Exhibit 99.1
Schedule 5 - Supplemental Data
Supplemental Data
Run Date - 7/30/2026 2:21:36 PM
| 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 | Flood Zone Designation | Flood Policy Expiration Date | Flood Policy Coverage Amount |
| 222907641 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,898.41 | $2,740.17 | 9.572% | $713.49 | $713.49 | 9.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,950.21 | 1 | [Redacted] | $2,255.04 | [Redacted] | $187.92 | 39.658% | 39.658% | 39.658% | [Redacted] | 667 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2023 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2023 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2022 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2022 [Borrower - | Non-Primary Income - Wages]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 - 2022 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $1,898.41 | 6.930% | $0.00 | None | N/A | No | 9.250% | 2 | 0 | 2 | 0 | 2 | 0 | 4.00 | No | Not Stated | [Redacted] | No | 23 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $458,000.00 | 2.875% | 08/05/2019 | $427,849.00 | $1,900.21 | 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 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223785565 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,308.50 | $5,711.60 | 9.005% | $1,167.31 | $1,167.31 | 8.625% | No | No | Self-Employed | US Citizen | $5,786.84 | 1 | [Redacted] | $3,786.72 | [Redacted] | $315.56 | 49.127% | 49.127% | 49.127% | [Redacted] | 678 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $4,308.50 | 6.770% | $0.00 | None | N/A | No | 8.625% | 1 | 0 | 0 | 2 | 0 | 5.97 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $223,748.00 | 4.375% | 01/18/2017 | $188,322.91 | $1,117.14 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 46.48 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223958307 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $525.00 | $2,077.70 | 9.537% | $2,986.27 | $2,986.27 | 9.500% | No | No | Self-Employed | US Citizen | $16,313.08 | 1 | [Redacted] | $1,747.92 | [Redacted] | $145.66 | 49.948% | 49.948% | 49.948% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $525.00 | 6.630% | $0.00 | 4.6 | None | No | No | 9.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $272,856.00 | 2.250% | 12/23/2020 | $205,842.53 | $1,217.46 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 365 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223977284 | [Redacted] | [Redacted] | Non QM | Yes | No | $970.10 | $4,705.02 | 8.310% | $790.33 | $790.33 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $19,779.22 | 1 | [Redacted] | $3,342.00 | [Redacted] | $278.50 | 43.933% | 43.933% | 43.933% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 | [Redacted] | $970.10 | 6.740% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 28 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $760,000.00 | 6.875% | 10/03/2023 | $749,333.20 | $4,992.66 | 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 | $0.00 | $26,702.17 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223995615 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,237.76 | $3,427.22 | 9.183% | $975.77 | $975.77 | 8.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,264.52 | 1 | [Redacted] | $3,458.04 | [Redacted] | $288.17 | 46.744% | 46.744% | 46.744% | [Redacted] | 663 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,237.76 | 6.610% | $0.00 | 4.3 | None | No | No | 8.875% | 2 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 31 | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $499,899.00 | 2.750% | 02/26/2021 | $450,297.00 | $2,040.79 | 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 | 26.13 | No | $0.00 | $8,290.53 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223995669 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,210.00 | $5,473.77 | 8.847% | $1,307.04 | $1,307.04 | 8.500% | No | No | Self-Employed | US Citizen | $20,845.71 | 1 | [Redacted] | $1,755.48 | [Redacted] | $146.29 | 17.858% | 17.858% | 17.858% | [Redacted] | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,210.00 | 6.630% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $262,176.00 | 4.500% | 09/24/2010 | $166,686.00 | $2,000.00 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224004202 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,495.00 | $2,060.52 | 8.416% | $1,042.86 | $1,042.86 | 8.250% | No | No | Employed | US Citizen | $6,492.21 | 1 | [Redacted] | $1,506.00 | [Redacted] | $125.50 | 42.242% | 42.242% | 42.242% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,495.00 | 6.610% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $408,934.00 | 2.250% | 11/01/2021 | $373,306.16 | $1,563.13 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224012519 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,199.00 | $4,740.20 | 9.287% | $1,026.38 | $1,026.38 | 8.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,365.88 | 2 | [Redacted] | $1,536.96 | [Redacted] | $128.08 | 36.476% | 36.476% | 36.476% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,199.00 | 6.570% | $0.00 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $193,800.00 | 3.625% | 10/01/2016 | $155,990.00 | $1,125.00 | 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 | 15.87 | No | No | $6,448.34 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224012526 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,495.00 | $2,275.32 | 8.826% | $1,313.63 | $1,313.63 | 8.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,356.95 | 1 | [Redacted] | $2,429.04 | [Redacted] | $202.42 | 45.256% | 45.256% | 45.256% | [Redacted] | 662 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; 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 [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 | [Redacted] | $1,495.00 | 6.140% | $0.00 | None | N/A | No | 8.625% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $343,000.00 | 4.875% | 01/26/2006 | $276,892.60 | $1,780.03 | 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 | $0.00 | $5,555.45 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224012531 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $7,721.00 | $7,875.64 | 8.610% | $2,827.47 | $2,827.47 | 8.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,543.17 | 1 | [Redacted] | $5,152.68 | [Redacted] | $429.39 | 38.279% | 38.279% | 38.279% | [Redacted] | 751 | No | No | Borrower Prepared | [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%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 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%)]; Business Account Transcripts - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 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%)]; Business Account Transcripts - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [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 | [Redacted] | $7,721.00 | 6.610% | $0.00 | 2.7 | None | No | No | 8.375% | 0 | 2 | 1 | 0 | 2 | 2 | 18.23 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $340,500.00 | 2.750% | 06/18/2020 | $301,328.00 | $1,461.43 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.68 | No | No | $14,230.75 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224021454 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,446.11 | 10.062% | $4,387.86 | $4,387.86 | 10.000% | No | No | Self-Employed | US Citizen | $649,572.95 | 1 | [Redacted] | $2,264.04 | [Redacted] | $188.67 | 6.384% | 6.384% | 6.384% | [Redacted] | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.610% | $0.00 | 2.7 | None | N/A | No | 10.000% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $990,000.00 | 5.750% | 04/01/2023 | $961,452.55 | $5,777.38 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224036538 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $5,425.00 | $7,169.36 | 9.375% | $928.31 | $928.31 | 8.750% | No | No | Self-Employed | US Citizen | $35,613.93 | 1 | [Redacted] | $1,569.96 | [Redacted] | $130.83 | 21.986% | 21.986% | 21.986% | [Redacted] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,425.00 | 6.630% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $283,597.00 | 3.875% | 12/02/2005 | $217,052.05 | $673.07 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 147.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224038796 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,032.50 | $3,559.62 | 7.688% | $863.34 | $863.34 | 7.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $4,619.97 | 1 | [Redacted] | $1,485.96 | [Redacted] | $123.83 | 34.086% | 34.086% | 34.086% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 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 | [Redacted] | $2,032.50 | 6.630% | $0.00 | 1.0 | None | No | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $315,000.00 | 2.490% | 02/16/2021 | $282,017.45 | $1,242.99 | 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 | $1,277.40 | $0.00 | No | No | No | No | 1 | 360 | CX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224038839 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,865.00 | $7,188.28 | 9.518% | $2,056.69 | $2,056.69 | 9.250% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $9,353.12 | 1 | [Redacted] | $7,640.04 | [Redacted] | $636.67 | 37.855% | 37.855% | 37.855% | [Redacted] | 652 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,865.00 | 6.610% | $0.00 | None | N/A | No | 9.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $313,500.00 | 3.500% | 09/01/2020 | $281,263.96 | $1,407.76 | 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 | $6,917.14 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224039065 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,378.90 | $6,940.19 | 8.722% | $1,444.14 | $1,444.14 | 8.375% | No | No | Self-Employed | US Citizen | $13,518.07 | 1 | [Redacted] | $2,494.08 | [Redacted] | $207.84 | 27.526% | 27.526% | 27.526% | [Redacted] | 733 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,378.90 | 6.610% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $568,650.00 | 3.250% | 08/01/2020 | $508,668.00 | $2,914.00 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224039094 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $3,212.79 | 9.062% | $1,161.64 | $1,161.64 | 8.875% | No | No | Self-Employed | US Citizen | $5,154.91 | 1 | [Redacted] | $2,085.48 | [Redacted] | $173.79 | 49.989% | 49.989% | 49.989% | [Redacted] | 701 | No | Yes | 12 | Business | 59.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Pension]; 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.630% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $527,000.00 | 2.750% | 02/09/2021 | $470,178.31 | $2,151.43 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224058277 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,528.75 | $4,265.43 | 8.726% | $627.33 | $627.33 | 8.000% | No | No | Employed | US Citizen | $4,649.01 | 1 | [Redacted] | $1,799.28 | [Redacted] | $149.94 | 34.632% | 34.632% | 34.632% | [Redacted] | 649 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | [Redacted] | $3,528.75 | 6.290% | $0.00 | None | N/A | No | 8.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $262,000.00 | 2.625% | 08/07/2021 | $238,795.25 | $1,052.32 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224065249 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,490.00 | $3,108.32 | 8.593% | $1,845.39 | $1,845.39 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $15,034.88 | 1 | [Redacted] | $2,640.00 | [Redacted] | $220.00 | 47.603% | 47.603% | 47.603% | [Redacted] | 806 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [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]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,490.00 | 6.630% | $0.00 | None | N/A | No | 8.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 32 | 31 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $381,000.00 | 3.875% | 05/01/2016 | $274,085.00 | $1,791.60 | 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 | 4.72 | No | No | $0.00 | $11,385.01 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224065307 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,495.00 | $3,436.00 | 10.333% | $2,464.28 | $2,464.28 | 10.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $26,485.01 | 1 | [Redacted] | $6,093.00 | [Redacted] | $507.75 | 31.313% | 31.313% | 31.313% | [Redacted] | 773 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 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 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.570% | $0.00 | 4.0 | None | No | No | 10.250% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $683,000.00 | 2.990% | 02/01/2021 | $616,493.02 | $2,875.87 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.05 | No | No | $20,529.24 | $0.00 | No | No | No | No | 2 | 360 | AE | 10/31/2025 | $2,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224083291 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $6,987.26 | $9,936.82 | 9.840% | $2,533.11 | $2,533.11 | 9.500% | No | No | Not Employed | Self-Employed | US Citizen | $10,106.40 | 1 | [Redacted] | $2,370.96 | [Redacted] | $197.58 | 45.166% | 45.166% | 45.166% | [Redacted] | 791 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,987.26 | 6.610% | $0.00 | 1.8 | None | No | No | 9.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $747,500.00 | 4.125% | 12/28/2021 | $698,096.71 | $3,622.76 | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.32 | No | No | $18,430.89 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224083553 | [Redacted] | [Redacted] | N/A | No | No | $1,503.63 | $1,503.63 | 9.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,861.52 | [Redacted] | $238.46 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.4 | No | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $585,000.00 | 4.250% | 03/14/2022 | $549,503.00 | $2,877.85 | 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 | 6.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | A99 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224083829 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,948.41 | $3,397.77 | 9.030% | $912.29 | $912.29 | 8.625% | No | No | Employed | US Citizen | $2,905.16 | 1 | [Redacted] | $1,843.68 | [Redacted] | $153.64 | 43.976% | 43.976% | 43.976% | [Redacted] | 645 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,948.41 | 6.100% | $0.00 | None | N/A | No | 8.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $176,000.00 | 2.875% | 06/17/2020 | $151,002.13 | $730.21 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224084130 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,847.50 | $6,744.43 | 8.904% | $1,307.15 | $1,307.15 | 8.500% | No | No | Self-Employed | US Citizen | $19,522.46 | 1 | [Redacted] | $15,267.00 | [Redacted] | $1,272.25 | 42.888% | 42.888% | 42.888% | [Redacted] | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,847.50 | 6.630% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,412,000.00 | 5.990% | 03/25/2022 | $1,351,529.63 | $8,456.58 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224089529 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,739.40 | $3,532.10 | 8.454% | $779.62 | $779.62 | 8.125% | Yes | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,329.35 | 1 | [Redacted] | $1,058.16 | [Redacted] | $88.18 | 36.575% | 36.575% | 36.575% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,739.40 | 6.630% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $499,662.00 | 2.750% | 06/01/2021 | $453,317.87 | $2,039.83 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224101190 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,875.00 | $3,497.30 | 8.362% | $697.08 | $697.08 | 8.000% | No | No | Employed | US Citizen | $3,502.34 | 1 | [Redacted] | $852.00 | [Redacted] | $71.00 | 33.752% | 33.752% | 33.752% | [Redacted] | 759 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,875.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 8.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $86,000.00 | 2.875% | 07/07/2020 | $68,991.29 | $471.60 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224101321 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,555.32 | $3,833.80 | 9.451% | $971.70 | $971.70 | 9.000% | No | No | Self-Employed | US Citizen | $23,423.22 | 1 | [Redacted] | $1,704.00 | [Redacted] | $142.00 | 18.303% | 18.303% | 18.303% | [Redacted] | 661 | No | Yes | 12 | Business | 100.000% | 100.000% | Borrower Prepared | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Borrower-prepared P&L - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,555.32 | 6.220% | $0.00 | None | N/A | No | 9.000% | 0 | 0 | 0 | 3 | 0 | 12 | 24.00 | No | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $256,000.00 | 5.125% | 07/20/2010 | $172,071.54 | $1,393.89 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224101753 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,027.28 | $4,736.60 | 8.310% | $791.41 | $791.41 | 7.875% | No | No | Employed | US Citizen | $7,304.72 | 1 | [Redacted] | $1,659.96 | [Redacted] | $138.33 | 41.043% | 41.043% | 41.043% | [Redacted] | 766 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $4,027.28 | 6.630% | $0.00 | None | N/A | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $420,000.00 | 3.375% | 01/12/2022 | $390,548.38 | $1,856.80 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224117086 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,757.50 | $5,136.94 | 10.705% | $1,120.13 | $1,120.13 | 10.250% | No | No | Self-Employed | US Citizen | $6,782.33 | 1 | [Redacted] | $2,285.04 | [Redacted] | $190.42 | 49.926% | 49.926% | 49.926% | [Redacted] | 767 | No | No | Borrower Prepared | [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%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; K-1 - 2024 |
[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 | [Redacted] | $2,757.50 | 6.570% | $0.00 | 4.0 | None | N/A | No | 10.250% | 0 | 1 | 0 | 2 | 1 | 8.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $375,000.00 | 7.750% | 07/17/2025 | $375,000.00 | $0.01 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224121171 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $970.00 | $1,561.88 | 9.202% | $603.47 | $603.47 | 9.000% | No | No | Self-Employed | US Citizen | $5,893.98 | 1 | [Redacted] | $1,064.04 | [Redacted] | $88.67 | 39.644% | 39.644% | 39.644% | [Redacted] | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | [Redacted] | $970.00 | 6.570% | $0.00 | None | N/A | No | 9.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $227,430.00 | 3.625% | 03/05/2020 | $127,561.00 | $1,037.20 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224125331 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,135.24 | 8.396% | $984.16 | $984.16 | 8.250% | No | No | Employed | US Citizen | $4,189.71 | 1 | [Redacted] | $2,382.00 | [Redacted] | $198.50 | 45.317% | 45.317% | 45.317% | [Redacted] | 775 | 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $391,700.00 | 2.875% | 10/28/2021 | $348,982.80 | $1,625.13 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224128868 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,048.19 | $3,366.25 | 8.402% | $465.59 | $465.59 | 7.625% | No | No | Employed | US Citizen | $3,781.09 | 1 | [Redacted] | $2,258.28 | [Redacted] | $188.19 | 33.270% | 33.270% | 33.270% | [Redacted] | 736 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,048.19 | 6.140% | $0.00 | None | N/A | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $78,571.00 | 7.000% | 11/03/2008 | $53,714.68 | $522.73 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224129889 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,995.00 | $1,046.41 | 8.141% | $1,848.82 | $1,848.82 | 8.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $37,473.57 | 1 | [Redacted] | $8,709.12 | [Redacted] | $725.76 | 39.275% | 39.275% | 39.275% | [Redacted] | 766 | No | Yes | 12 | Business | 74.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,995.00 | 6.630% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | 1 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,250,357.00 | 2.500% | 11/16/2020 | $1,110,364.36 | $4,940.42 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.84 | No | No | $0.00 | $15,833.33 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224130818 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,656.40 | $4,507.33 | 9.771% | $634.63 | $634.63 | 9.125% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,551.27 | 1 | [Redacted] | $3,040.56 | [Redacted] | $253.38 | 49.758% | 49.758% | 49.758% | [Redacted] | 634 | No | No | [Borrower - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $3,656.40 | 6.610% | $0.00 | None | N/A | No | 9.125% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $472,235.00 | 2.250% | 08/02/2021 | $427,093.43 | $1,805.10 | 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 | $0.00 | $7,936.60 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224136467 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,802.50 | $7,267.16 | 8.028% | $1,791.03 | $1,791.03 | 7.750% | No | No | Self-Employed | US Citizen | $13,752.10 | 1 | [Redacted] | $3,847.56 | [Redacted] | $320.63 | 49.518% | 49.518% | 49.518% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2005 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,802.50 | 6.570% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $1,572,222.00 | 2.875% | 01/26/2022 | $1,449,856.82 | $6,523.03 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224138488 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,573.55 | $3,415.03 | 10.332% | $693.00 | $693.00 | 8.875% | No | No | Non-Employment Income | US Citizen | $4,280.12 | 1 | [Redacted] | $809.04 | [Redacted] | $67.42 | 49.076% | 49.076% | 49.076% | [Redacted] | 676 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 |
[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 | [Redacted] | $2,573.55 | 5.940% | $0.00 | None | N/A | No | 8.875% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $350,000.00 | 2.875% | 11/15/2020 | $280,769.53 | $1,876.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 120 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224138590 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,211.00 | $4,525.55 | 10.015% | $1,478.60 | $1,478.60 | 9.750% | No | No | Self-Employed | US Citizen | $14,614.79 | 1 | [Redacted] | $4,602.96 | [Redacted] | $383.58 | 28.549% | 28.549% | 28.549% | [Redacted] | 646 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,211.00 | 6.610% | $0.00 | None | N/A | No | 9.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $307,500.00 | 3.990% | 07/15/2019 | $271,461.00 | $1,466.28 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224140093 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,776.25 | $4,830.94 | 9.008% | $2,506.28 | $2,506.28 | 8.875% | No | No | Employed | Employed | US Citizen | US Citizen | $21,438.10 | 1 | [Redacted] | $4,488.48 | [Redacted] | $374.04 | 34.543% | 34.543% | 34.543% | [Redacted] | 680 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 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 - 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 | [Redacted] | $11,776.25 | 6.610% | $0.00 | 1.8 | None | Yes | No | 8.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $750,000.00 | 2.875% | 10/02/2020 | $669,799.84 | $3,111.69 | 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 | $0.00 | $19,174.13 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224140119 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,452.47 | 7.729% | $699.22 | $699.22 | 7.500% | No | No | Employed | US Citizen | $11,450.17 | 1 | [Redacted] | $2,061.96 | [Redacted] | $171.83 | 43.673% | 43.673% | 43.673% | [Redacted] | 762 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,690.00 | 6.570% | $0.00 | None | N/A | No | 7.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $679,250.00 | 3.000% | 11/09/2020 | $609,428.00 | $2,863.75 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224140121 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,141.25 | $3,947.65 | 9.828% | $622.77 | $622.77 | 9.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,955.37 | 2 | [Redacted] | $377.04 | [Redacted] | $31.42 | 41.532% | 41.532% | 41.532% | [Redacted] | 713 | No | No | Borrower Prepared | [Borrower - | Primary Income - C-Corp]; CPA Letter - 2025 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2025 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2025 [Borrower - | Primary Income - C-Corp]; Paystubs - 2025 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; Business Account Transcripts - 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 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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]; 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]; Account Transcripts - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $3,141.25 | 6.540% | $0.00 | None | No | No | 9.250% | 2 | 2 | 2 | 0 | 3 | 2 | 19.93 | No | [Redacted] | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $515,490.00 | 2.625% | 05/21/2021 | $465,730.97 | $2,070.47 | 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 | No | $0.00 | $9,804.04 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224140845 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,390.00 | $11,857.58 | 9.420% | $1,909.55 | $1,909.55 | 8.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $8,848.90 | 1 | [Redacted] | $4,001.04 | [Redacted] | $333.42 | 47.958% | 47.958% | 47.958% | [Redacted] | 645 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; Business Return Transcripts - 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 [Coborrower(s) - | Primary Income - Disability]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Disability]; Other - 2013 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [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) - No Results Returned - 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 | [Redacted] | $9,390.00 | 6.610% | $0.00 | None | N/A | No | 8.875% | 2 | 0 | 2 | 0 | 2 | 1 | 7.00 | No | 120 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $448,543.00 | 2.750% | 11/20/2020 | $385,992.09 | $2,069.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.69 | No | $5,963.07 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224143880 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,093.75 | $3,909.75 | 9.333% | $1,005.78 | $1,005.78 | 9.000% | No | No | Self-Employed | US Citizen | $5,179.58 | 1 | [Redacted] | $2,277.00 | [Redacted] | $189.75 | 49.998% | 49.998% | 49.998% | [Redacted] | 709 | No | Yes | 48 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,093.75 | 6.630% | $0.00 | 1.0 | None | No | No | 9.000% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $373,117.00 | 3.125% | 05/18/2020 | $330,602.57 | $1,598.34 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224143881 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,050.00 | $1,736.26 | 10.121% | $451.06 | $451.06 | 9.750% | No | No | Employed | US Citizen | $14,985.69 | 1 | [Redacted] | $609.96 | [Redacted] | $50.83 | 46.614% | 46.614% | 46.614% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 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 - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 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 | [Redacted] | $1,050.00 | 6.320% | $0.00 | None | N/A | No | 9.750% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $225,000.00 | 4.875% | 04/01/2022 | $213,010.21 | $1,190.72 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 378.69 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224148440 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,093.44 | $1,783.92 | 8.134% | $493.05 | $493.05 | 7.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,567.50 | 1 | [Redacted] | $2,136.36 | [Redacted] | $178.03 | 31.637% | 31.637% | 31.637% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[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 | [Redacted] | $1,093.44 | 6.630% | $0.00 | None | N/A | No | 7.875% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $484,000.00 | 2.750% | 09/01/2020 | $430,301.00 | $1,975.89 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224148699 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,615.00 | $2,379.36 | 8.869% | $984.75 | $984.75 | 8.500% | No | No | Self-Employed | US Citizen | $6,297.11 | 1 | [Redacted] | $2,994.00 | [Redacted] | $249.50 | 34.567% | 34.567% | 34.567% | [Redacted] | 676 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $1,615.00 | 5.610% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $300,000.00 | 4.000% | 06/27/2007 | $167,794.75 | $1,537.20 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224148886 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,376.25 | $5,892.04 | 8.294% | $1,051.35 | $1,051.35 | 7.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,686.13 | 1 | [Redacted] | $1,308.96 | [Redacted] | $109.08 | 44.382% | 44.382% | 44.382% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Government Assistance]; Other - 2025 [Coborrower(s) - | Primary Income - Government Assistance]; Other - 2024 [Coborrower(s) - | Primary Income - Government Assistance]; Other - 2024 [Coborrower(s) - | Primary Income - Government Assistance]; Other - 2023 [Coborrower(s) - | Primary Income - Government Assistance]; Other - 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,376.25 | 6.610% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $389,400.00 | 2.875% | 09/24/2021 | $357,004.43 | $1,615.59 | 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 | $4,116.66 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224150608 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,720.00 | $2,300.92 | 8.466% | $381.56 | $381.56 | 8.000% | No | No | Employed | US Citizen | $3,763.21 | 1 | [Redacted] | $1,218.60 | [Redacted] | $101.55 | 28.259% | 28.259% | 28.259% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,720.00 | 6.630% | $0.00 | None | N/A | No | 8.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $123,405.00 | 3.750% | 12/08/2015 | $97,805.00 | $571.51 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224151899 | [Redacted] | [Redacted] | Non QM | Yes | No | $855.00 | $1,735.24 | 8.442% | $676.14 | $676.14 | 8.250% | No | No | Self-Employed | US Citizen | $11,022.75 | 1 | [Redacted] | $5,968.92 | [Redacted] | $497.41 | 36.076% | 36.076% | 36.076% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $855.00 | 6.610% | $0.00 | 2.5 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $548,250.00 | 2.750% | 01/21/2021 | $491,882.88 | $2,238.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224159614 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,861.58 | $3,100.70 | 8.629% | $952.86 | $952.86 | 8.375% | No | No | Self-Employed | US Citizen | $11,355.99 | 1 | [Redacted] | $1,022.04 | [Redacted] | $85.17 | 40.305% | 40.305% | 40.305% | [Redacted] | 779 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,861.58 | 6.540% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $258,000.00 | 2.375% | 10/24/2020 | $194,944.00 | $1,763.35 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224161529 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,665.00 | $8,079.05 | 8.811% | $3,500.05 | $3,500.05 | 8.625% | No | No | Self-Employed | US Citizen | $36,031.41 | 1 | [Redacted] | $11,681.04 | [Redacted] | $973.42 | 36.624% | 36.624% | 36.624% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,665.00 | 6.570% | $0.00 | 2.8 | None | No | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,770,000.00 | 8.125% | 02/19/2025 | $1,759,301.14 | $13,142.20 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 03/09/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224161563 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $7,792.33 | $10,242.51 | 9.375% | $2,414.76 | $2,414.76 | 9.000% | No | No | Self-Employed | US Citizen | $10,394.21 | 1 | [Redacted] | $1,713.96 | [Redacted] | $142.83 | 41.493% | 41.493% | 41.493% | [Redacted] | 759 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 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%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 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%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 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%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 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%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 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%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,792.33 | 6.540% | $0.00 | None | Yes | No | 9.000% | 0 | 2 | 0 | 3 | 3 | 20.07 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $744,000.00 | 8.375% | 07/28/2023 | $407,889.25 | $3,132.86 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224161844 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,495.00 | $2,102.64 | 8.855% | $731.12 | $731.12 | 8.625% | No | No | Employed | Employed | US Citizen | US Citizen | $3,843.47 | 1 | [Redacted] | $1,364.04 | [Redacted] | $113.67 | 49.976% | 49.976% | 49.976% | [Redacted] | 665 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [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]; Transcripts (1040) - 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 | [Redacted] | $1,495.00 | 6.540% | $0.00 | None | N/A | No | 8.625% | 0 | 2 | 1 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $322,000.00 | 3.125% | 12/01/2021 | $297,424.23 | $1,379.37 | 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 | $1,643.19 | $1,867.09 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224161892 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,637.50 | $2,136.15 | 8.369% | $1,848.98 | $1,848.98 | 8.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,780.16 | 1 | [Redacted] | $5,835.96 | [Redacted] | $486.33 | 35.516% | 35.516% | 35.516% | [Redacted] | 680 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [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]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [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]; 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]; 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,637.50 | 6.290% | $0.00 | None | N/A | No | 8.250% | 0 | 1 | 2 | 0 | 2 | 2 | 8.57 | No | Not Stated | [Redacted] | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $482,000.00 | 3.500% | 04/27/2021 | $432,477.34 | $2,328.03 | 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 | $0.00 | $13,000.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224162586 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,023.38 | $4,167.42 | 9.732% | $796.67 | $796.67 | 9.250% | No | No | Employed | US Citizen | $5,467.53 | 1 | [Redacted] | $744.96 | [Redacted] | $62.08 | 47.428% | 47.428% | 47.428% | [Redacted] | 779 | No | No | [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 - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; Transcripts (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 | [Redacted] | $3,023.38 | 6.570% | $0.00 | 2.8 | None | No | No | 9.250% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $265,821.00 | 3.500% | 01/20/2021 | $238,640.74 | $1,193.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.82 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224168494 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,360.18 | $3,282.04 | 9.621% | $798.00 | $798.00 | 9.250% | No | No | Employed | US Citizen | $14,964.78 | 1 | [Redacted] | $498.00 | [Redacted] | $41.50 | 46.689% | 46.689% | 46.689% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 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 - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 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 | [Redacted] | $2,360.18 | 6.540% | $0.00 | 1.2 | None | No | No | 9.250% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $178,000.00 | 4.875% | 04/06/2022 | $168,514.80 | $941.99 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 597.45 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224181394 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,445.00 | $1,864.44 | 8.194% | $733.76 | $733.76 | 8.000% | No | No | Self-Employed | US Citizen | $10,602.52 | 1 | [Redacted] | $4,258.80 | [Redacted] | $354.90 | 35.010% | 35.010% | 35.010% | [Redacted] | 772 | No | Yes | 12 | Business | 68.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2017 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,445.00 | 6.570% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $389,903.00 | 2.250% | 04/05/2021 | $344,698.00 | $1,490.39 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224181512 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,930.00 | $5,600.84 | 7.982% | $853.04 | $853.04 | 7.500% | No | No | Self-Employed | US Citizen | $23,126.18 | 1 | [Redacted] | $1,296.96 | [Redacted] | $108.08 | 20.095% | 20.095% | 20.095% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,930.00 | 6.540% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $274,400.00 | 4.000% | 04/07/2015 | $73,359.49 | $2,029.70 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224181577 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,044.99 | $4,471.46 | 8.405% | $843.83 | $843.83 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $12,322.22 | 1 | [Redacted] | $1,029.00 | [Redacted] | $85.75 | 31.476% | 31.476% | 31.476% | [Redacted] | 647 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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 | [Redacted] | $4,044.99 | 6.570% | $0.00 | None | N/A | No | 8.000% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 32 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $117,200.00 | 2.750% | 05/21/2021 | $89,327.18 | $795.35 | 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 | $2,762.10 | $5,633.33 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224181664 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,070.00 | $2,751.12 | 8.495% | $594.00 | $594.00 | 8.125% | No | No | Self-Employed | US Citizen | $2,873.20 | 1 | [Redacted] | $2,602.80 | [Redacted] | $216.90 | 45.469% | 45.469% | 45.469% | [Redacted] | 733 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $2,070.00 | 6.540% | $0.00 | None | N/A | No | 8.125% | 2 | 0 | 0 | 2 | 0 | No | Not Stated | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $254,656.00 | 2.500% | 10/18/2021 | $232,178.75 | $1,006.20 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224185376 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,046.42 | 8.296% | $928.12 | $928.12 | 8.125% | No | No | Self-Employed | US Citizen | $5,338.14 | 1 | [Redacted] | $1,230.96 | [Redacted] | $102.58 | 30.976% | 30.976% | 30.976% | [Redacted] | 812 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.540% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $141,932.00 | 2.250% | 04/17/2021 | $96,594.42 | $929.77 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224185422 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,464.30 | 8.192% | $615.71 | $615.71 | 7.750% | No | No | Employed | US Citizen | $6,291.21 | 1 | [Redacted] | $1,142.16 | [Redacted] | $95.18 | 40.107% | 40.107% | 40.107% | [Redacted] | 734 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,790.00 | 6.220% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $367,000.00 | 2.875% | 10/09/2020 | $324,693.27 | $1,522.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224185535 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,353.50 | $3,363.24 | 7.890% | $927.21 | $927.21 | 7.625% | No | No | Employed | US Citizen | $3,782.45 | 1 | [Redacted] | $3,845.76 | [Redacted] | $320.48 | 46.779% | 46.779% | 46.779% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [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 |
[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 | [Redacted] | $1,353.50 | 6.220% | $0.00 | None | N/A | No | 7.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 9 | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $347,200.00 | 3.250% | 03/16/2021 | $314,721.16 | $1,511.04 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224190042 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,887.50 | $2,149.83 | 9.367% | $397.82 | $397.82 | 8.875% | No | No | Employed | US Citizen | $2,224.26 | 1 | [Redacted] | $1,467.12 | [Redacted] | $122.26 | 35.191% | 35.191% | 35.191% | [Redacted] | 664 | 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 |
[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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,887.50 | 6.630% | $0.00 | None | N/A | No | 8.875% | 1 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $104,000.00 | 3.990% | 08/09/2021 | $96,377.37 | $495.91 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224190043 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,837.50 | $6,628.69 | 9.124% | $1,166.68 | $1,166.68 | 8.625% | No | No | Self-Employed | US Citizen | $4,688.65 | 1 | [Redacted] | $4,163.04 | [Redacted] | $346.92 | 49.150% | 49.150% | 49.150% | [Redacted] | 666 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 2 | 0 | 0 | [Redacted] | $5,837.50 | 6.630% | $0.00 | 2.6 | None | Yes | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | Yes | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $269,000.00 | 4.000% | 04/27/2020 | $242,355.56 | $1,284.25 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224190189 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,770.00 | $2,707.17 | 10.663% | $716.88 | $716.88 | 10.250% | No | No | Employed | US Citizen | $8,871.79 | 1 | [Redacted] | $2,982.96 | [Redacted] | $248.58 | 34.329% | 34.329% | 34.329% | [Redacted] | 654 | 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]; 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,770.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 10.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $366,000.00 | 2.500% | 02/19/2021 | $327,733.11 | $1,446.14 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224190239 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,973.75 | $2,772.27 | 8.261% | $1,596.37 | $1,596.37 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $12,735.03 | 1 | [Redacted] | $3,240.00 | [Redacted] | $270.00 | 38.637% | 38.637% | 38.637% | [Redacted] | 743 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,973.75 | 6.220% | $0.00 | None | N/A | No | 8.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 24 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $284,000.00 | 3.125% | 07/17/2020 | $201,584.00 | $1,978.37 | 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 | $0.00 | $14,293.28 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224197177 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $895.00 | $2,149.31 | 7.345% | $1,500.79 | $1,500.79 | 7.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,280.78 | 1 | [Redacted] | $1,902.12 | [Redacted] | $158.51 | 22.995% | 22.995% | 22.995% | [Redacted] | 794 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $895.00 | 6.540% | $0.00 | None | N/A | No | 7.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | No | [Redacted] | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $292,000.00 | 3.125% | 06/01/2020 | $257,988.50 | $1,250.86 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224197180 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,968.13 | $7,199.33 | 8.764% | $1,510.64 | $1,510.64 | 8.375% | No | No | Self-Employed | US Citizen | $5,366.55 | 1 | [Redacted] | $2,252.04 | [Redacted] | $187.67 | 49.988% | 49.988% | 49.988% | [Redacted] | 720 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,968.13 | 6.320% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $450,000.00 | 3.500% | 05/18/2020 | $392,836.97 | $2,020.70 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224197187 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,819.05 | $2,778.88 | 8.727% | $2,281.65 | $2,281.65 | 8.625% | No | No | Self-Employed | US Citizen | $34,389.39 | 1 | [Redacted] | $6,626.04 | [Redacted] | $552.17 | 45.707% | 45.707% | 45.707% | [Redacted] | 751 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,819.05 | 6.540% | $0.00 | 4.1 | None | No | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $948,000.00 | 4.500% | 03/04/2021 | $869,134.65 | $4,803.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224199448 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,742.78 | 8.146% | $917.21 | $917.21 | 8.000% | No | No | Self-Employed | US Citizen | $8,233.89 | 1 | [Redacted] | $9,396.12 | [Redacted] | $783.01 | 48.492% | 48.492% | 48.492% | [Redacted] | 778 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.570% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $222,800.00 | 2.875% | 06/23/2021 | $167,006.04 | $1,525.26 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224199459 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,290.00 | $3,461.90 | 8.806% | $860.29 | $860.29 | 8.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $10,637.64 | 1 | [Redacted] | $1,523.04 | [Redacted] | $126.92 | 25.364% | 25.364% | 25.364% | [Redacted] | 719 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,290.00 | 6.510% | $0.00 | None | N/A | No | 8.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 32 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $417,000.00 | 4.625% | 06/01/2006 | $386,242.00 | $1,379.94 | 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 | 35.7 | No | $1,271.70 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224200785 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,377.50 | 9.130% | $2,249.31 | $2,249.31 | 9.000% | No | No | Self-Employed | US Citizen | $13,648.52 | 1 | [Redacted] | $6,045.00 | [Redacted] | $503.75 | 35.823% | 35.823% | 35.823% | [Redacted] | 669 | No | Yes | 12 | Business | 56.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 9.000% | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $387,900.00 | 3.625% | 05/26/2021 | $355,717.25 | $1,769.02 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224207161 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,495.00 | $1,986.00 | 8.147% | $1,127.13 | $1,127.13 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $7,855.48 | 1 | [Redacted] | $899.04 | [Redacted] | $74.92 | 30.763% | 30.763% | 30.763% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 5.610% | $0.00 | 1.3 | None | Yes | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 3 | 0.00 | No | Not Stated | [Redacted] | No | 29 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $150,350.00 | 3.500% | 09/18/2019 | $131,262.97 | $675.14 | 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 | $0.00 | $4,608.64 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224207210 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,618.75 | $2,118.75 | 9.039% | $537.58 | $537.58 | 8.375% | No | No | Non-Employment Income | US Citizen | $3,431.88 | 1 | [Redacted] | $1,809.00 | [Redacted] | $150.75 | 34.128% | 34.128% | 34.128% | [Redacted] | 672 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2023 |
[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 | [Redacted] | $1,618.75 | 5.850% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $123,728.00 | 3.750% | 07/27/2016 | $100,213.00 | $573.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224210810 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,028.98 | 7.720% | $622.41 | $622.41 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $11,764.99 | 1 | [Redacted] | $2,007.00 | [Redacted] | $167.25 | 37.918% | 37.918% | 37.918% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,490.00 | 6.100% | $0.00 | None | No | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 32 | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $390,833.00 | 7.125% | 05/21/2024 | $386,015.05 | $2,633.11 | 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 | $0.00 | $8,970.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224210819 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,375.00 | $2,660.00 | 8.325% | $662.94 | $662.94 | 7.875% | No | No | Employed | US Citizen | $5,376.16 | 1 | [Redacted] | $1,545.96 | [Redacted] | $128.83 | 36.377% | 36.377% | 36.377% | [Redacted] | 649 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,375.00 | 5.860% | $0.00 | None | N/A | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $148,376.00 | 3.875% | 04/16/2016 | $115,990.85 | $697.72 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224213286 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,798.75 | 8.110% | $1,611.30 | $1,611.30 | 7.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,629.28 | 1 | [Redacted] | $3,992.64 | [Redacted] | $332.72 | 28.092% | 28.092% | 28.092% | [Redacted] | 747 | 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 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; Tax Return Extension (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - No Results Returned - 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%)]; Tax Return Extension (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 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]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 5.900% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 1 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $260,737.00 | 3.000% | 12/01/2016 | $205,612.00 | $1,099.28 | 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 | $10,735.25 | $0.00 | No | No | No | No | 1 | 120 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224213518 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,540.00 | $4,069.39 | 8.957% | $768.91 | $768.91 | 8.500% | No | No | Employed | US Citizen | $7,045.92 | 1 | [Redacted] | $968.04 | [Redacted] | $80.67 | 41.978% | 41.978% | 41.978% | [Redacted] | 750 | 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 - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 | [Redacted] | $3,540.00 | 6.320% | $0.00 | 1.7 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 8 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $504,392.00 | 2.875% | 06/01/2021 | $458,416.35 | $2,132.71 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224217470 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,865.00 | $3,654.14 | 10.164% | $859.15 | $859.15 | 9.750% | No | No | Employed | US Citizen | $15,047.44 | 1 | [Redacted] | $950.04 | [Redacted] | $79.17 | 46.394% | 46.394% | 46.394% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 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 - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 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 | [Redacted] | $2,865.00 | 6.540% | $0.00 | 1.0 | None | Yes | No | 9.750% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $265,500.00 | 3.750% | 04/01/2022 | $247,582.76 | $1,229.57 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 673.32 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224217472 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,615.00 | $6,290.00 | 8.652% | $1,900.18 | $1,900.18 | 8.375% | No | No | Self-Employed | US Citizen | $23,180.74 | 2 | [Redacted] | $4,199.04 | [Redacted] | $349.92 | 20.841% | 20.841% | 20.841% | [Redacted] | 748 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 3 | 0 | 0 | [Redacted] | $4,615.00 | 6.540% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $650,000.00 | 3.990% | 02/14/2020 | $584,301.46 | $3,099.45 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224225268 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,090.00 | $3,218.45 | 9.067% | $1,591.29 | $1,591.29 | 8.875% | No | No | Self-Employed | US Citizen | $9,026.25 | 1 | [Redacted] | $2,819.40 | [Redacted] | $234.95 | 46.614% | 46.614% | 46.614% | [Redacted] | 670 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,090.00 | 6.320% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $510,400.00 | 2.990% | 12/07/2020 | $458,750.42 | $2,149.12 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224232882 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $2,953.69 | 7.322% | $3,951.88 | $3,951.88 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $22,185.06 | 1 | [Redacted] | $1,704.96 | [Redacted] | $142.08 | 39.520% | 39.520% | 39.520% | [Redacted] | 774 | 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 Transcript - 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 Transcript - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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%)]; 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 Transcript - 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 | [Redacted] | $1,990.00 | 5.860% | $0.00 | 2.1 | None | No | No | 7.250% | 2 | 2 | 2 | 0 | 3 | 2 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $822,375.00 | 8.625% | 07/01/2021 | $754,680.00 | $3,065.13 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.4 | No | $18,456.50 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224239571 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,910.00 | $2,549.00 | 8.424% | $585.51 | $585.51 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $10,135.25 | 1 | [Redacted] | $2,737.44 | [Redacted] | $228.12 | 32.324% | 32.324% | 32.324% | [Redacted] | 747 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,910.00 | 6.100% | $0.00 | None | N/A | No | 8.000% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $138,000.00 | 3.625% | 05/07/2021 | $121,200.18 | $604.51 | 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 | $0.00 | $10,985.92 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224242954 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,659.84 | $2,284.01 | 9.403% | $1,382.09 | $1,382.09 | 9.250% | No | No | Self-Employed | US Citizen | $16,215.17 | 2 | [Redacted] | $1,488.00 | [Redacted] | $124.00 | 40.771% | 40.771% | 40.771% | [Redacted] | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,659.84 | 6.220% | $0.00 | None | No | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $476,000.00 | 2.990% | 10/01/2021 | $367,146.96 | $1,680.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224242964 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,675.65 | $3,008.69 | 8.973% | $921.23 | $921.23 | 8.750% | No | No | Employed | US Citizen | $11,562.32 | 1 | [Redacted] | $1,459.68 | [Redacted] | $121.64 | 42.673% | 42.673% | 42.673% | [Redacted] | 767 | 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 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,675.65 | 6.540% | $0.00 | 1.0 | None | Yes | No | 8.750% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $150,000.00 | 3.875% | 05/14/2021 | $138,029.72 | $705.36 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.39 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224242984 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,302.52 | 7.764% | $1,770.76 | $1,770.76 | 7.375% | No | No | Employed | US Citizen | $17,769.17 | 1 | [Redacted] | $2,976.84 | [Redacted] | $248.07 | 32.189% | 32.189% | 32.189% | [Redacted] | 741 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 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 | [Redacted] | $1,990.00 | 5.830% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $659,750.00 | 2.250% | 01/07/2021 | $583,959.35 | $2,521.87 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 120 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224242988 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,151.62 | 8.064% | $884.58 | $884.58 | 7.875% | No | No | Self-Employed | US Citizen | $4,010.64 | 1 | [Redacted] | $4,979.64 | [Redacted] | $414.97 | 44.446% | 44.446% | 44.446% | [Redacted] | 711 | No | No | Third Party Prepared (Unaudited) | [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%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 2 | 0 | 2 | 2 | 5.97 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $230,775.00 | 4.750% | 05/17/2006 | $192,699.00 | $1,040.21 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224242996 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,677.45 | $3,017.45 | 8.970% | $930.67 | $930.67 | 8.750% | No | No | Employed | US Citizen | $11,467.27 | 1 | [Redacted] | $1,086.72 | [Redacted] | $90.56 | 43.047% | 43.047% | 43.047% | [Redacted] | 767 | 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 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 |
[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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,677.45 | 6.540% | $0.00 | 1.0 | None | Yes | No | 8.750% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $195,000.00 | 4.000% | 06/18/2021 | $180,071.79 | $930.96 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.68 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224244072 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,295.00 | $0.00 | 9.397% | $646.79 | $646.79 | 9.375% | No | No | Employed | US Citizen | $2,570.56 | 1 | [Redacted] | $2,043.00 | [Redacted] | $170.25 | 42.786% | 42.786% | 42.786% | [Redacted] | 651 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,295.00 | 6.220% | $0.00 | None | N/A | No | 9.375% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $114,489.00 | 3.375% | 01/16/2009 | $85,970.45 | $422.86 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224245919 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,894.75 | $3,376.25 | 9.402% | $1,417.06 | $1,417.06 | 9.250% | No | No | Self-Employed | US Citizen | $16,915.74 | 1 | [Redacted] | $1,179.96 | [Redacted] | $98.33 | 31.173% | 31.173% | 31.173% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,894.75 | 6.220% | $0.00 | None | N/A | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $242,725.00 | 2.875% | 06/21/2016 | $229,269.50 | $1,552.58 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224249699 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,261.25 | $3,451.03 | 7.699% | $1,013.86 | $1,013.86 | 7.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,500.03 | 1 | [Redacted] | $1,809.00 | [Redacted] | $150.75 | 49.995% | 49.995% | 49.995% | [Redacted] | 759 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $2,261.25 | 6.220% | $0.00 | None | N/A | No | 7.500% | 0 | 2 | 2 | 0 | 3 | 2 | 19.00 | No | [Redacted] | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $565,000.00 | 3.125% | 02/04/2021 | $508,769.00 | $2,420.32 | 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 | No | $0.00 | $10,538.24 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224250631 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $982.33 | 9.625% | $1,357.86 | $1,357.86 | 9.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $11,093.74 | 1 | [Redacted] | $1,873.80 | [Redacted] | $156.15 | 49.389% | 49.389% | 49.389% | [Redacted] | 812 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2025 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | 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 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.220% | $0.00 | 4.9 | None | N/A | No | 9.625% | 0 | 0 | 1 | 0 | 2 | 1 | 8.97 | No | Not Stated | [Redacted] | [Redacted] | 6.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $798,750.00 | 5.750% | 10/01/2025 | $798,750.00 | $4,661.29 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.47 | No | No | $1,190.25 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224252279 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $3,515.12 | 8.331% | $2,028.42 | $2,028.42 | 8.250% | No | No | Self-Employed | US Citizen | $34,645.51 | 1 | [Redacted] | $2,643.96 | [Redacted] | $220.33 | 28.828% | 28.828% | 28.828% | [Redacted] | 773 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.220% | $0.00 | 1.2 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $575,000.00 | 6.500% | 09/11/2024 | $568,379.57 | $3,834.39 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/26/2025 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224252451 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,480.00 | $2,885.00 | 9.393% | $809.75 | $809.75 | 9.000% | No | No | Employed | US Citizen | $5,867.82 | 1 | [Redacted] | $2,078.28 | [Redacted] | $173.19 | 37.851% | 37.851% | 37.851% | [Redacted] | 641 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,480.00 | 6.100% | $0.00 | None | N/A | No | 9.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $433,000.00 | 3.625% | 11/20/2021 | $402,436.00 | $1,974.70 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224254801 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,620.00 | $7,920.46 | 9.379% | $4,113.38 | $4,113.38 | 9.250% | No | No | Self-Employed | US Citizen | $50,370.72 | 4 | [Redacted] | $2,869.56 | [Redacted] | $239.13 | 41.573% | 41.573% | 41.573% | [Redacted] | 738 | No | No | Borrower Prepared | [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%)]; Third Party Verification - 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%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 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 | [Redacted] | $4,620.00 | 6.310% | $0.00 | None | No | No | 9.250% | 2 | 1 | 0 | 3 | 1 | 8.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $1,312,500.00 | 2.990% | 01/21/2021 | $1,184,669.00 | $5,526.48 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224255691 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,595.00 | $3,377.54 | 8.068% | $716.41 | $716.41 | 7.750% | No | No | Employed | US Citizen | $9,020.35 | 1 | [Redacted] | $1,677.96 | [Redacted] | $139.83 | 30.269% | 30.269% | 30.269% | [Redacted] | 703 | No | No | [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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[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 | [Redacted] | $2,595.00 | 6.320% | $0.00 | 1.5 | None | Yes | No | 7.750% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $278,000.00 | 3.250% | 04/06/2021 | $253,093.40 | $1,209.87 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224262476 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,970.00 | $5,174.46 | 8.675% | $1,278.10 | $1,278.10 | 8.250% | No | No | Employed | Employed | US Citizen | US Citizen | $7,290.38 | 1 | [Redacted] | $1,179.96 | [Redacted] | $98.33 | 42.587% | 42.587% | 42.587% | [Redacted] | 666 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $3,970.00 | 6.290% | $0.00 | 1.6 | None | No | No | 8.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 32 | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $246,200.00 | 3.250% | 05/03/2021 | $224,562.86 | $1,071.48 | 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 | $0.00 | $6,579.04 | No | No | No | No | 1 | 240 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224262488 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,535.63 | $4,255.37 | 7.984% | $698.22 | $698.22 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $9,483.68 | 1 | [Redacted] | $1,340.40 | [Redacted] | $111.70 | 30.588% | 30.588% | 30.588% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $3,535.63 | 6.100% | $0.00 | 1.7 | None | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 32 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $215,500.00 | 3.500% | 06/15/2020 | $192,082.04 | $967.69 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.1 | No | $0.00 | $9,492.92 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224262567 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,066.51 | $3,516.13 | 9.002% | $1,802.95 | $1,802.95 | 8.875% | No | No | Employed | US Citizen | $9,352.73 | 1 | [Redacted] | $1,779.96 | [Redacted] | $148.33 | 35.867% | 35.867% | 35.867% | [Redacted] | 801 | 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]; 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 | [Redacted] | $2,066.51 | 6.320% | $0.00 | None | N/A | No | 8.875% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $222,870.00 | 2.125% | 12/01/2023 | $165,562.18 | $1,447.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224262609 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,655.25 | $3,130.33 | 8.259% | $440.59 | $440.59 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $10,795.46 | 1 | [Redacted] | $2,470.92 | [Redacted] | $205.91 | 15.447% | 15.447% | 15.447% | [Redacted] | 764 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,655.25 | 6.540% | $0.00 | None | N/A | No | 7.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 32 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $242,000.00 | 2.750% | 10/28/2020 | $215,277.04 | $987.94 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.99 | No | $0.00 | $6,616.13 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224263161 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,715.52 | 8.607% | $1,537.83 | $1,537.83 | 8.500% | No | No | Self-Employed | US Citizen | $45,837.33 | 1 | [Redacted] | $2,393.16 | [Redacted] | $199.43 | 22.297% | 22.297% | 22.297% | [Redacted] | 762 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.220% | $0.00 | 1.8 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,400,000.00 | 5.500% | 04/13/2023 | $1,356,063.62 | $7,949.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.33 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224263436 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,540.00 | $4,055.00 | 8.356% | $2,253.80 | $2,253.80 | 8.250% | No | No | Self-Employed | US Citizen | $8,250.01 | 1 | [Redacted] | $2,631.96 | [Redacted] | $219.33 | 47.044% | 47.044% | 47.044% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,540.00 | 6.570% | $0.00 | 1.6 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $760,000.00 | 3.000% | 05/14/2007 | $396,721.88 | $2,895.03 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224275652 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,479.71 | $3,308.46 | 8.859% | $427.66 | $427.66 | 8.250% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $3,515.06 | 1 | [Redacted] | $2,876.40 | [Redacted] | $239.70 | 49.036% | 49.036% | 49.036% | [Redacted] | 694 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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) | 2yr Full Doc | 2 | 0 | 0 | [Redacted] | $2,479.71 | 6.630% | $0.00 | None | N/A | No | 8.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 32 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $333,000.00 | 2.999% | 10/05/2020 | $298,034.01 | $1,483.03 | 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 | Resident Alien Card | No | No | $0.00 | $2,825.56 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224280646 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,207.50 | $3,341.46 | 8.173% | $1,714.70 | $1,714.70 | 8.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,782.84 | 1 | [Redacted] | $2,836.08 | [Redacted] | $236.34 | 45.194% | 45.194% | 45.194% | [Redacted] | 738 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,207.50 | 5.730% | $0.00 | 1.0 | None | Yes | No | 8.000% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 15 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $484,350.00 | 4.000% | 11/08/2019 | $432,058.03 | $2,312.36 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224280653 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,295.00 | $7,250.76 | 9.152% | $2,028.89 | $2,028.89 | 8.875% | No | No | Self-Employed | US Citizen | $30,538.10 | 1 | [Redacted] | $1,485.00 | [Redacted] | $123.75 | 19.012% | 19.012% | 19.012% | [Redacted] | 797 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,295.00 | 6.310% | $0.00 | 3.1 | None | No | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $456,000.00 | 5.750% | 07/14/2022 | $436,776.87 | $2,661.09 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224283013 | [Redacted] | [Redacted] | N/A | No | No | $1,628.21 | $1,628.21 | 10.125% | No | No | US Citizen | 2 | [Redacted] | $4,365.96 | [Redacted] | $363.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 10.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $648,750.00 | 3.625% | 05/11/2020 | $576,830.41 | $2,958.63 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224284863 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,375.80 | $3,184.60 | 9.074% | $774.11 | $774.11 | 8.750% | No | No | Employed | US Citizen | $7,196.44 | 2 | [Redacted] | $1,558.20 | [Redacted] | $129.85 | 44.738% | 44.738% | 44.738% | [Redacted] | 729 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 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 | [Redacted] | $2,375.80 | 6.320% | $0.00 | None | N/A | No | 8.750% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $381,954.00 | 5.750% | 01/27/2023 | $369,578.00 | $2,228.98 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224284869 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,295.00 | $3,554.84 | 8.272% | $403.44 | $403.44 | 7.625% | No | No | Employed | US Citizen | $12,941.41 | 1 | [Redacted] | $1,839.00 | [Redacted] | $153.25 | 23.431% | 23.431% | 23.431% | [Redacted] | 733 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2023 |
[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 | [Redacted] | $2,295.00 | 6.220% | $0.00 | None | N/A | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $305,000.00 | 6.990% | 05/12/2025 | $304,244.14 | $2,027.12 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224286749 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,473.08 | 8.840% | $1,182.26 | $1,182.26 | 8.625% | No | No | Self-Employed | US Citizen | $6,939.62 | 1 | [Redacted] | $2,091.24 | [Redacted] | $174.27 | 37.215% | 37.215% | 37.215% | [Redacted] | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.840% | $0.00 | 1.0 | None | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $352,000.00 | 3.250% | 02/25/2022 | $307,852.00 | $1,531.93 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224286759 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,039.50 | $4,814.65 | 9.219% | $1,129.82 | $1,129.82 | 8.875% | No | No | Employed | Employed | US Citizen | US Citizen | $10,069.74 | 1 | [Redacted] | $2,859.96 | [Redacted] | $238.33 | 29.638% | 29.638% | 29.638% | [Redacted] | 679 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $4,039.50 | 6.220% | $0.00 | None | N/A | No | 8.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $330,000.00 | 2.750% | 11/04/2020 | $294,060.78 | $1,347.20 | 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 | $0.00 | $6,799.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224292608 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,749.56 | $2,252.84 | 8.615% | $473.30 | $473.30 | 8.250% | No | No | Employed | US Citizen | $4,902.64 | 1 | [Redacted] | $1,904.04 | [Redacted] | $158.67 | 42.323% | 42.323% | 42.323% | [Redacted] | 732 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 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 | [Redacted] | $1,749.56 | 6.310% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $440,300.00 | 3.750% | 02/03/2022 | $412,840.00 | $2,039.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224293038 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,890.00 | $3,898.30 | 8.436% | $1,502.53 | $1,502.53 | 8.250% | No | No | Self-Employed | US Citizen | $77,443.32 | 1 | [Redacted] | $7,074.00 | [Redacted] | $589.50 | 16.036% | 16.036% | 16.036% | [Redacted] | 818 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $2,890.00 | 6.320% | $0.00 | 1.4 | None | Yes | No | 8.250% | 0 | 0 | 0 | 3 | 0 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $650,000.00 | 3.000% | 01/08/2018 | $481,618.76 | $2,740.43 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224296337 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,903.75 | $9,385.39 | 8.999% | $1,499.38 | $1,499.38 | 8.500% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $6,488.13 | 1 | [Redacted] | $1,422.96 | [Redacted] | $118.58 | 47.648% | 47.648% | 47.648% | [Redacted] | 762 | No | No | [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2023 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2023 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-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 | [Redacted] | $6,903.75 | 6.310% | $0.00 | 2.6 | None | No | No | 8.500% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $300,000.00 | 3.250% | 07/22/2021 | $274,759.23 | $1,305.62 | 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 | $0.00 | $9,609.46 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224298215 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,347.00 | $3,702.10 | 8.496% | $1,066.80 | $1,066.80 | 8.250% | No | No | Employed | Employed | US Citizen | US Citizen | $9,555.68 | 1 | [Redacted] | $1,127.40 | [Redacted] | $93.95 | 36.292% | 36.292% | 36.292% | [Redacted] | 731 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,347.00 | 6.220% | $0.00 | None | N/A | No | 8.250% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 32 | 12 | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual | 1 | $299,138.00 | 3.250% | 05/07/2020 | $265,955.95 | $1,301.87 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.33 | No | $0.00 | $9,916.57 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224298502 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,795.00 | $3,591.74 | 8.232% | $1,781.99 | $1,781.99 | 8.125% | No | No | Employed | US Citizen | $5,538.51 | 1 | [Redacted] | $3,078.36 | [Redacted] | $256.53 | 48.875% | 48.875% | 48.875% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 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 | [Redacted] | $1,795.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $419,173.00 | 3.000% | 06/01/2020 | $371,715.40 | $1,767.25 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224300004 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,970.00 | $6,244.73 | 9.640% | $1,439.68 | $1,439.68 | 9.250% | No | No | Self-Employed | US Citizen | $22,425.21 | 2 | [Redacted] | $1,590.00 | [Redacted] | $132.50 | 31.530% | 31.530% | 31.530% | [Redacted] | 729 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,970.00 | 6.220% | $0.00 | None | No | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $325,600.00 | 3.375% | 10/27/2021 | $301,697.34 | $1,439.47 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.93 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224300007 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,090.00 | $3,999.20 | 8.202% | $4,814.41 | $4,814.41 | 8.125% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $25,289.83 | 1 | [Redacted] | $9,321.00 | [Redacted] | $776.75 | 48.069% | 48.069% | 48.069% | [Redacted] | 798 | Yes | Yes | 12 | Business | 75.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 5.780% | $0.00 | 2.8 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,382,500.00 | 2.999% | 09/07/2021 | $1,269,635.35 | $5,827.94 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 81.08 | No | No | $5,259.92 | $0.00 | No | No | No | No | 2 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224304411 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,731.67 | $4,577.19 | 8.968% | $635.23 | $635.23 | 8.375% | No | No | Employed | US Citizen | $3,585.07 | 1 | [Redacted] | $986.16 | [Redacted] | $82.18 | 49.643% | 49.643% | 49.643% | [Redacted] | 738 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,731.67 | 6.320% | $0.00 | 1.0 | None | Yes | No | 8.375% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $345,000.00 | 2.875% | 02/01/2021 | $310,177.48 | $1,431.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224304425 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,969.96 | $5,565.60 | 8.527% | $1,071.88 | $1,071.88 | 8.125% | No | No | Self-Employed | Permanent Resident Alien | $26,069.86 | 1 | [Redacted] | $1,500.72 | [Redacted] | $125.06 | 24.046% | 24.046% | 24.046% | [Redacted] | 745 | No | Yes | 12 | Business | 100.000% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,969.96 | 6.540% | $0.00 | 3.9 | None | No | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $623,350.00 | 6.990% | 05/02/2025 | $622,323.08 | $4,142.98 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 20.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224304426 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $3,182.36 | 7.769% | $1,450.98 | $1,450.98 | 7.625% | No | No | Employed | US Citizen | $9,124.42 | 1 | [Redacted] | $5,539.68 | [Redacted] | $461.64 | 40.866% | 40.866% | 40.866% | [Redacted] | 762 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,890.00 | 6.310% | $0.00 | 3.1 | None | No | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 22 | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $548,250.00 | 3.375% | 09/25/2021 | $504,005.92 | $2,423.79 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224304806 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,964.00 | $2,468.12 | 8.395% | $410.47 | $410.47 | 7.750% | No | No | Employed | US Citizen | $2,852.39 | 1 | [Redacted] | $1,675.44 | [Redacted] | $139.62 | 37.518% | 37.518% | 37.518% | [Redacted] | 702 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | [Redacted] | $1,964.00 | 5.860% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $173,000.00 | 5.625% | 10/03/2024 | $170,958.73 | $995.89 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224315310 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,365.00 | $3,479.35 | 8.682% | $912.09 | $912.09 | 8.375% | No | No | Employed | US Citizen | $18,871.78 | 1 | [Redacted] | $2,371.32 | [Redacted] | $197.61 | 29.978% | 29.978% | 29.978% | [Redacted] | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,365.00 | 6.220% | $0.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $726,000.00 | 8.500% | 04/21/2023 | $706,214.00 | $4,588.81 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224315878 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,770.00 | $1,601.50 | 8.172% | $596.65 | $596.65 | 7.875% | No | No | Employed | US Citizen | $3,743.69 | 1 | [Redacted] | $1,461.00 | [Redacted] | $121.75 | 47.148% | 47.148% | 47.148% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 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]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,770.00 | 6.200% | $0.00 | None | N/A | No | 7.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | No | [Redacted] | No | 30 | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $302,000.00 | 5.750% | 06/17/2025 | $299,044.00 | $1,762.39 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224328361 | [Redacted] | [Redacted] | N/A | No | No | $1,333.54 | $1,333.54 | 9.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $4,595.88 | [Redacted] | $382.99 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.6 | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $340,000.00 | 3.500% | 06/26/2020 | $297,688.00 | $1,526.75 | 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 | 45.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AH | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224329224 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,195.00 | $0.00 | 7.614% | $4,065.02 | $4,065.02 | 7.625% | No | No | Non-Employment Income | US Citizen | $12,597.72 | 1 | [Redacted] | $3,509.04 | [Redacted] | $292.42 | 46.695% | 46.695% | 46.695% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,195.00 | 5.730% | $0.00 | 1.5 | None | Yes | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $388,000.00 | 3.750% | 03/01/2012 | $152,944.85 | $1,972.70 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 325.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224329369 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,590.00 | $4,573.78 | 9.867% | $5,296.81 | $5,296.81 | 9.750% | No | No | Not Employed | Self-Employed | US Citizen | $231,681.03 | 1 | [Redacted] | $2,121.96 | [Redacted] | $176.83 | 14.470% | 14.470% | 14.470% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 99.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 5.710% | $0.00 | 2.6 | None | No | No | 9.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $487,500.00 | 2.625% | 09/21/2021 | $378,082.34 | $3,279.36 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.69 | No | No | $270,877.74 | $0.00 | No | No | No | No | 4 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224330037 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,778.75 | $7,564.14 | 8.243% | $4,140.37 | $4,140.37 | 7.750% | No | No | Self-Employed | US Citizen | $21,472.10 | 1 | [Redacted] | $8,521.08 | [Redacted] | $710.09 | 39.500% | 39.500% | 39.500% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,778.75 | 5.580% | $0.00 | 2.4 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $544,000.00 | 2.500% | 06/02/2021 | $398,191.31 | $3,627.33 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.88 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 120 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224330051 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $577.50 | 9.015% | $2,249.31 | $2,249.31 | 9.000% | No | No | Self-Employed | Permanent Resident Alien | $131,326.45 | 1 | [Redacted] | $4,680.00 | [Redacted] | $390.00 | 7.509% | 7.509% | 7.509% | [Redacted] | 686 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | 5.840% | $0.00 | 3.8 | None | No | No | 9.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $765,000.00 | 8.250% | 10/26/2023 | $739,290.84 | $5,747.19 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335211 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $856.25 | $1,171.20 | 8.780% | $477.30 | $477.30 | 8.500% | No | No | Non-Employment Income | US Citizen | $3,009.32 | 1 | [Redacted] | $3,996.00 | [Redacted] | $333.00 | 43.059% | 43.059% | 43.059% | [Redacted] | 734 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $856.25 | 5.840% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $161,000.00 | 5.850% | 11/04/2024 | $155,334.04 | $1,345.60 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335219 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,590.00 | $2,389.16 | 7.680% | $2,831.17 | $2,831.17 | 7.625% | No | No | Self-Employed | US Citizen | $1,280.82 | 1 | [Redacted] | $5,612.04 | [Redacted] | $467.67 | 40.060% | 40.060% | 40.060% | [Redacted] | 726 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2008 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.320% | $0.00 | 1.2 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $440,700.00 | 3.250% | 07/23/2020 | $387,737.90 | $1,917.95 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335232 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,221.73 | 8.375% | $1,239.59 | $1,239.59 | 8.250% | No | No | Employed | US Citizen | $7,454.13 | 1 | [Redacted] | $1,359.96 | [Redacted] | $113.33 | 43.732% | 43.732% | 43.732% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 6.310% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $320,000.00 | 3.750% | 01/14/2022 | $297,801.73 | $1,481.97 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335236 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,495.00 | $2,283.38 | 8.675% | $3,391.33 | $3,391.33 | 8.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $35,058.23 | 1 | [Redacted] | $2,400.96 | [Redacted] | $200.08 | 22.047% | 22.047% | 22.047% | [Redacted] | 620 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; D1C Income Verification Report - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; D1C Income Verification Report - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 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 [Coborrower]; Account Transcripts - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.220% | $0.00 | 3.1 | None | No | No | 8.625% | 1 | 1 | 0 | 0 | 2 | 1 | No | Not Stated | [Redacted] | [Redacted] | No | 2 | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $358,388.00 | 3.125% | 08/28/2019 | $330,479.42 | $1,554.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.42 | No | $32,596.87 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335261 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,928.80 | 7.589% | $2,831.82 | $2,831.82 | 7.500% | No | No | Employed | Permanent Resident Alien | $15,460.40 | 1 | [Redacted] | $4,561.20 | [Redacted] | $380.10 | 40.537% | 40.537% | 40.537% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.220% | $0.00 | 1.0 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $621,000.00 | 3.125% | 10/22/2020 | $555,657.18 | $2,660.21 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335341 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,252.50 | $3,938.25 | 8.462% | $615.71 | $615.71 | 7.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,215.85 | 1 | [Redacted] | $1,170.00 | [Redacted] | $97.50 | 41.875% | 41.875% | 41.875% | [Redacted] | 694 | No | No | [Borrower - | Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2023 [Borrower - | Primary Income - Pension]; 1099-R - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,252.50 | 5.700% | $0.00 | None | N/A | No | 7.750% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $293,574.00 | 3.750% | 12/30/2015 | $231,867.41 | $1,359.59 | 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 | $0.00 | $2,717.20 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335345 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,490.00 | $3,953.74 | 7.881% | $2,149.24 | $2,149.24 | 7.750% | No | No | Self-Employed | US Citizen | $9,416.39 | 1 | [Redacted] | $2,237.52 | [Redacted] | $186.46 | 44.540% | 44.540% | 44.540% | [Redacted] | 764 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,490.00 | 6.310% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $330,500.00 | 2.875% | 06/06/2020 | $291,822.04 | $1,371.22 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335348 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,313.80 | 7.729% | $2,158.77 | $2,158.77 | 7.625% | No | No | Self-Employed | US Citizen | $11,084.49 | 1 | [Redacted] | $2,789.04 | [Redacted] | $232.42 | 42.712% | 42.712% | 42.712% | [Redacted] | 751 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 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%)]; 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]; 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 | [Redacted] | $1,990.00 | 6.310% | $0.00 | 1.7 | None | No | No | 7.625% | 2 | 2 | 0 | 2 | 2 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $481,000.00 | 3.500% | 08/07/2020 | $431,443.21 | $2,159.90 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224335353 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $3,513.32 | 8.352% | $4,850.70 | $4,850.70 | 8.250% | No | No | Not Employed | Self-Employed | US Citizen | $229,558.47 | 1 | [Redacted] | $6,075.60 | [Redacted] | $506.30 | 15.254% | 15.254% | 15.254% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 99.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 5.710% | $0.00 | 1.8 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $765,000.00 | 3.125% | 11/06/2020 | $686,157.23 | $3,277.07 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.9 | No | No | $270,877.74 | $0.00 | No | No | No | No | 4 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224336879 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,465.00 | $11,132.24 | 9.104% | $2,169.56 | $2,169.56 | 8.500% | No | No | Self-Employed | US Citizen | $100,589.01 | 1 | [Redacted] | $7,668.00 | [Redacted] | $639.00 | 19.430% | 19.430% | 19.430% | [Redacted] | 702 | No | Yes | 12 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,465.00 | 5.860% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $680,000.00 | 7.140% | 05/16/2021 | $759,117.98 | $5,469.87 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224336884 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,340.76 | $2,607.58 | 8.734% | $601.52 | $601.52 | 8.375% | No | No | Employed | US Citizen | $10,274.43 | 1 | [Redacted] | $4,331.04 | [Redacted] | $360.92 | 42.262% | 42.262% | 42.262% | [Redacted] | 658 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,340.76 | 6.310% | $0.00 | None | N/A | No | 8.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $385,000.00 | 4.625% | 05/22/2022 | $324,311.02 | $2,969.88 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224340323 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,313.75 | $3,848.75 | 8.382% | $1,129.19 | $1,129.19 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $5,612.08 | 1 | [Redacted] | $2,940.96 | [Redacted] | $245.08 | 47.096% | 47.096% | 47.096% | [Redacted] | 705 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 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 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,313.75 | 5.700% | $0.00 | 3.5 | None | Yes | No | 8.000% | 3 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $413,250.00 | 3.125% | 04/28/2021 | $374,653.21 | $1,770.26 | 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 | $0.00 | $4,667.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224340734 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,500.00 | $4,242.60 | 8.380% | $1,815.11 | $1,815.11 | 8.125% | No | No | Employed | US Citizen | $6,265.98 | 1 | [Redacted] | $2,930.52 | [Redacted] | $244.21 | 49.776% | 49.776% | 49.776% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 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 | [Redacted] | $3,500.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 8.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 13 | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $613,700.00 | 3.875% | 04/07/2021 | $560,040.30 | $2,885.84 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224343326 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,673.00 | $2,541.49 | 8.592% | $569.07 | $569.07 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $5,031.21 | 1 | [Redacted] | $4,469.04 | [Redacted] | $372.42 | 36.505% | 36.505% | 36.505% | [Redacted] | 691 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 - 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 | 1 | 0 | 0 | [Redacted] | $2,673.00 | 5.680% | $0.00 | None | No | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $112,800.00 | 2.990% | 06/19/2021 | $86,337.50 | $778.43 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.86 | No | $0.00 | $4,452.00 | No | No | No | No | 1 | 180 | A | 02/09/2026 | $113,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224348967 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,645.06 | $3,162.38 | 8.488% | $408.21 | $408.21 | 7.875% | No | No | Employed | US Citizen | $1,578.93 | 1 | [Redacted] | $1,155.96 | [Redacted] | $96.33 | 49.858% | 49.858% | 49.858% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,645.06 | 6.630% | $0.00 | 1.0 | None | Yes | No | 7.875% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $180,900.00 | 2.875% | 01/25/2021 | $162,640.00 | $750.54 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224349079 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,583.63 | $3,258.58 | 8.518% | $1,785.43 | $1,785.43 | 8.375% | No | No | Employed | Employed | US Citizen | US Citizen | $32,153.47 | 1 | [Redacted] | $7,012.56 | [Redacted] | $584.38 | 27.043% | 27.043% | 27.043% | [Redacted] | 720 | No | No | [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]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,583.63 | 6.310% | $0.00 | 1.0 | None | Yes | No | 8.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $402,600.00 | 3.625% | 06/18/2020 | $356,097.00 | $1,836.06 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.92 | Yes | $0.00 | $13,874.64 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224349080 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,186.57 | 8.004% | $1,232.62 | $1,232.62 | 7.875% | No | No | Employed | US Citizen | $6,269.92 | 1 | [Redacted] | $1,310.28 | [Redacted] | $109.19 | 41.582% | 41.582% | 41.582% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,790.00 | 6.290% | $0.00 | None | N/A | No | 7.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $333,743.00 | 3.500% | 06/01/2017 | $274,258.45 | $1,498.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224364889 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,499.61 | $4,259.24 | 8.571% | $786.88 | $786.88 | 8.125% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $10,703.04 | 1 | [Redacted] | $3,044.52 | [Redacted] | $253.71 | 43.082% | 43.082% | 43.082% | [Redacted] | 649 | No | No | [Borrower - | Primary Income - Pension]; Other - 2025 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 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) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,499.61 | 6.320% | $0.00 | None | N/A | No | 8.125% | 0 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $552,000.00 | 2.990% | 12/15/2021 | $535,683.80 | $1,946.74 | 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 | $0.00 | $14,583.34 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224364957 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,851.93 | $3,578.35 | 8.666% | $540.15 | $540.15 | 8.125% | No | No | Non-Employment Income | US Citizen | $3,360.23 | 1 | [Redacted] | $1,956.96 | [Redacted] | $163.08 | 46.236% | 46.236% | 46.236% | [Redacted] | 656 | No | No | [Borrower - | Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,851.93 | 6.240% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $258,445.00 | 5.990% | 03/01/2025 | $256,175.74 | $1,663.59 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224365648 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,095.11 | $5,737.09 | 9.094% | $1,505.35 | $1,505.35 | 8.750% | No | No | Self-Employed | US Citizen | $21,593.89 | 1 | [Redacted] | $5,814.36 | [Redacted] | $484.53 | 30.393% | 30.393% | 30.393% | [Redacted] | 682 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2013 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2013 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,095.11 | 6.240% | $0.00 | 4.1 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $339,000.00 | 3.375% | 07/09/2021 | $309,142.00 | $1,498.71 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224366501 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,294.28 | 8.576% | $988.09 | $988.09 | 8.375% | No | No | Self-Employed | US Citizen | $2,946.89 | 1 | [Redacted] | $1,581.00 | [Redacted] | $131.75 | 48.853% | 48.853% | 48.853% | [Redacted] | 719 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.160% | $0.00 | 3.5 | None | No | No | 8.375% | 0 | 1 | 0 | 2 | 2 | 9.63 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $320,000.00 | 3.250% | 11/01/2021 | $294,863.65 | $1,392.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224367077 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,316.48 | $4,595.76 | 9.146% | $1,186.31 | $1,186.31 | 8.875% | No | No | Self-Employed | US Citizen | $7,466.12 | 1 | [Redacted] | $2,592.96 | [Redacted] | $216.08 | 22.230% | 22.230% | 22.230% | [Redacted] | 679 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,316.48 | 6.310% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $106,400.00 | 2.625% | 08/05/2021 | $96,561.00 | $427.36 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224371186 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,489.60 | $1,684.55 | 8.276% | $1,092.16 | $1,092.16 | 8.125% | No | No | Self-Employed | US Citizen | $10,003.13 | 1 | [Redacted] | $2,105.04 | [Redacted] | $175.42 | 46.243% | 46.243% | 46.243% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,489.60 | 5.730% | $0.00 | 2.6 | None | No | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $806,000.00 | 4.250% | 08/26/2025 | $805,000.00 | $5,498.34 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 300 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224371290 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $2,354.54 | 8.512% | $1,477.58 | $1,477.58 | 8.375% | No | No | Employed | US Citizen | $5,966.33 | 1 | [Redacted] | $1,802.04 | [Redacted] | $150.17 | 45.160% | 45.160% | 45.160% | [Redacted] | 700 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,890.00 | 6.240% | $0.00 | 2.2 | None | No | No | 8.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $375,250.00 | 2.990% | 01/05/2021 | $338,014.60 | $1,580.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224386694 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,141.22 | 7.460% | $1,726.69 | $1,726.69 | 7.375% | No | No | Employed | US Citizen | $6,867.12 | 1 | [Redacted] | $2,569.20 | [Redacted] | $214.10 | 41.554% | 41.554% | 41.554% | [Redacted] | 776 | Yes | 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 Transcript - No Results Returned - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Account Transcripts - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.160% | $0.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 3 | 3 | 0.00 | No | 120 | Not Stated | [Redacted] | [Redacted] | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $378,343.00 | 3.999% | 07/28/2017 | $316,029.49 | $1,806.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 118.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224387128 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $6,491.28 | $7,050.75 | 9.867% | $1,894.83 | $1,894.83 | 9.500% | No | No | Self-Employed | US Citizen | $36,092.64 | 3 | [Redacted] | $671.04 | [Redacted] | $55.92 | 49.969% | 49.969% | 49.969% | [Redacted] | 724 | Yes | Yes | 36 | Personal, Business | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,491.28 | 6.160% | $0.00 | None | No | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | 120 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $280,000.00 | 4.625% | 03/30/2020 | $242,870.48 | $1,439.59 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.61 | No | No | $0.00 | $0.00 | No | No | No | No | 14 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224387897 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,157.00 | $2,310.03 | 9.068% | $527.09 | $527.09 | 8.750% | No | No | Self-Employed | US Citizen | $7,493.33 | 1 | [Redacted] | $3,590.04 | [Redacted] | $299.17 | 42.168% | 42.168% | 42.168% | [Redacted] | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,157.00 | 6.290% | $0.00 | None | N/A | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $237,405.00 | 3.875% | 04/01/2020 | $212,584.40 | $1,116.37 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224389006 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,501.50 | $4,994.80 | 8.186% | $1,236.24 | $1,236.24 | 7.875% | No | No | Self-Employed | US Citizen | $5,562.78 | 1 | [Redacted] | $1,709.04 | [Redacted] | $142.42 | 48.321% | 48.321% | 48.321% | [Redacted] | 796 | No | No | Audited | [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 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 - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 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 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,501.50 | 6.310% | $0.00 | None | N/A | No | 7.875% | 0 | 1 | 0 | 2 | 2 | 9.27 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $548,000.00 | 3.500% | 05/28/2021 | $500,650.84 | $2,460.76 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224389008 | [Redacted] | [Redacted] | Non QM | Yes | No | $895.00 | $3,780.06 | 8.422% | $3,439.71 | $3,439.71 | 8.375% | No | No | Self-Employed | US Citizen | $32,553.13 | 1 | [Redacted] | $4,587.12 | [Redacted] | $382.26 | 40.774% | 40.774% | 40.774% | [Redacted] | 751 | No | Yes | 36 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $895.00 | 5.820% | $0.00 | 4.4 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $2,240,000.00 | 4.125% | 02/01/2022 | $2,240,000.00 | $7,700.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224395744 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,129.72 | 8.277% | $658.89 | $658.89 | 7.750% | No | No | Self-Employed | US Citizen | $2,607.03 | 1 | [Redacted] | $2,099.04 | [Redacted] | $174.92 | 47.764% | 47.764% | 47.764% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 5.710% | $0.00 | 1.2 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $213,655.00 | 4.500% | 02/01/2017 | $166,222.26 | $1,082.56 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224395747 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,958.00 | $2,791.42 | 12.658% | $514.31 | $514.31 | 12.000% | No | No | Self-Employed | US Citizen | $7,198.97 | 1 | [Redacted] | $873.96 | [Redacted] | $72.83 | 33.051% | 33.051% | 33.051% | [Redacted] | 662 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business Expense Statement Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $1,958.00 | 6.160% | $0.00 | 1.0 | None | Yes | No | 12.000% | 0 | 0 | 0 | 2 | 0 | Yes | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $53,403.00 | 4.875% | 07/16/2013 | $37,162.81 | $485.90 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.26 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224395749 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,250.16 | 7.678% | $874.02 | $874.02 | 7.500% | No | No | Employed | US Citizen | $11,383.52 | 1 | [Redacted] | $7,317.12 | [Redacted] | $609.76 | 28.367% | 28.367% | 28.367% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 6.290% | $0.00 | None | N/A | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $257,550.00 | 3.125% | 12/04/2020 | $232,005.81 | $1,103.28 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | 10/02/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224395750 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,616.25 | $3,373.40 | 8.569% | $863.96 | $863.96 | 8.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,169.68 | 1 | [Redacted] | $933.00 | [Redacted] | $77.75 | 46.954% | 46.954% | 46.954% | [Redacted] | 744 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 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 | [Redacted] | $2,616.25 | 6.240% | $0.00 | None | No | No | 8.250% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $201,600.00 | 3.625% | 10/16/2020 | $181,955.67 | $918.40 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 246.42 | No | No | ($132.42) | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224401930 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,625.39 | $5,070.63 | 8.558% | $1,131.41 | $1,131.41 | 8.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $16,724.25 | 1 | [Redacted] | $863.04 | [Redacted] | $71.92 | 19.956% | 19.956% | 19.956% | [Redacted] | 787 | No | No | Audited | [Borrower - | Primary Income - K-1 (< 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 1120S - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 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 |
[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]; 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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,625.39 | 6.310% | $0.00 | None | N/A | No | 8.250% | 1 | 1 | 2 | 0 | 2 | 2 | 8.97 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $282,000.00 | 2.875% | 12/26/2020 | $252,003.73 | $1,170.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.45 | No | No | $18,776.68 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224404283 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,780.75 | $3,765.63 | 8.823% | $834.27 | $834.27 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $5,745.40 | 1 | [Redacted] | $6,853.68 | [Redacted] | $571.14 | 41.386% | 41.386% | 41.386% | [Redacted] | 687 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | 0 | 0 | 0 | [Redacted] | $2,780.75 | 6.310% | $0.00 | 1.0 | None | No | No | 8.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 34 | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $421,245.00 | 2.375% | 07/02/2021 | $376,317.09 | $1,637.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.17 | No | $0.00 | $5,025.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224404323 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,934.48 | $2,813.14 | 9.475% | $628.94 | $628.94 | 9.125% | No | No | Employed | Employed | US Citizen | US Citizen | $9,486.56 | 1 | [Redacted] | $3,548.04 | [Redacted] | $295.67 | 28.375% | 28.375% | 28.375% | [Redacted] | 654 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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]; 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 | [Redacted] | $1,934.48 | 6.240% | $0.00 | 1.4 | None | Yes | No | 9.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 34 | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $297,924.00 | 2.990% | 11/08/2021 | $271,442.96 | $1,254.45 | 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 | $0.00 | $4,030.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224410654 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,995.00 | $2,525.62 | 7.299% | $3,410.88 | $3,410.88 | 7.250% | No | No | Employed | US Citizen | $227,948.34 | 1 | [Redacted] | $4,698.48 | [Redacted] | $391.54 | 15.269% | 15.269% | 15.269% | [Redacted] | 783 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,995.00 | 6.290% | $0.00 | 4.2 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $1,294,000.00 | 2.625% | 03/25/2021 | $1,294,000.00 | $2,830.63 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.22 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224410734 | [Redacted] | [Redacted] | N/A | No | No | $813.63 | $813.63 | 9.125% | No | No | US Citizen | 1 | [Redacted] | $2,658.96 | [Redacted] | $221.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $480,000.00 | 4.375% | 06/19/2021 | $445,380.68 | $2,396.57 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224413584 | [Redacted] | [Redacted] | N/A | No | No | $1,485.44 | $1,485.44 | 11.500% | No | No | US Citizen | 3 | [Redacted] | $5,978.88 | [Redacted] | $498.24 | 0.000% | 0.000% | 0.000% | [Redacted] | 640 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 11.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $292,000.00 | 6.875% | 02/01/2025 | $268,435.41 | $1,290.92 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | A8 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224413929 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,504.35 | $8,060.10 | 7.322% | $1,496.93 | $1,496.93 | 7.000% | No | No | Non-Employment Income | Non-Employment Income | Employed | Employed | 1.64 | 3.78 | US Citizen | US Citizen | US Citizen | US Citizen | $12,470.75 | 1 | [Redacted] | $1,515.48 | [Redacted] | $126.29 | 49.868% | 49.868% | 49.868% | [Redacted] | 785 | 727 | 726 | 689 | 772 | 749 | 744 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,504.35 | 6.240% | $0.00 | 1.2 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 18 | 33 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | 1 | $707,500.00 | 4.125% | 10/06/2014 | $502,863.36 | $3,428.90 | 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 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.6 | No | No | $2,676.03 | $9,875.83 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224413935 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,025.00 | $4,658.42 | 7.263% | $997.95 | $997.95 | 7.000% | No | No | Employed | US Citizen | $4,900.76 | 1 | [Redacted] | $1,583.04 | [Redacted] | $131.92 | 49.834% | 49.834% | 49.834% | [Redacted] | 737 | No | No | [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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,025.00 | 6.290% | $0.00 | None | N/A | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $264,000.00 | 2.750% | 04/10/2020 | $169,012.59 | $2,449.37 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224417902 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,361.66 | $7,963.10 | 9.434% | $2,895.56 | $2,895.56 | 9.250% | No | No | Employed | US Citizen | $17,483.07 | 1 | [Redacted] | $2,707.56 | [Redacted] | $225.63 | 42.632% | 42.632% | 42.632% | [Redacted] | 698 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 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 | [Redacted] | $5,361.66 | 6.320% | $0.00 | 1.0 | None | No | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $328,000.00 | 4.375% | 12/23/2016 | $222,321.75 | $2,053.03 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.45 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224417913 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,890.00 | $10,028.36 | 7.996% | $4,706.38 | $4,706.38 | 7.750% | No | No | Self-Employed | US Citizen | $294,089.17 | 1 | [Redacted] | $2,873.76 | [Redacted] | $239.48 | 3.879% | 3.879% | 3.879% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,890.00 | 5.640% | $0.00 | 1.4 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $651,000.00 | 2.625% | 09/28/2020 | $577,362.00 | $2,614.74 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224419582 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,263.20 | $5,704.24 | 8.893% | $1,073.40 | $1,073.40 | 8.500% | No | No | Employed | US Citizen | $20,638.90 | 1 | [Redacted] | $4,082.88 | [Redacted] | $340.24 | 28.020% | 28.020% | 28.020% | [Redacted] | 689 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[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 | [Redacted] | $4,263.20 | 6.240% | $0.00 | None | N/A | No | 8.500% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $375,000.00 | 3.375% | 08/28/2020 | $335,636.93 | $1,657.86 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224424790 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,264.00 | $3,348.66 | 8.792% | $1,119.49 | $1,119.49 | 8.500% | No | No | Self-Employed | US Citizen | $8,597.39 | 1 | [Redacted] | $3,006.96 | [Redacted] | $250.58 | 36.868% | 36.868% | 36.868% | [Redacted] | 667 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,264.00 | 6.100% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $300,000.00 | 4.880% | 07/16/2021 | $277,408.54 | $1,587.62 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224426183 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,590.00 | $4,640.06 | 8.735% | $2,488.93 | $2,488.93 | 8.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $29,274.23 | 1 | [Redacted] | $4,240.92 | [Redacted] | $353.41 | 45.956% | 45.956% | 45.956% | [Redacted] | 769 | No | Yes | 13 | Business | 81.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Deposit Receipt - 2025 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Other - 2017 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Other - 2017 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Other - 2008 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Note - 2006 [Coborrower(s) - | Non-Primary Income - Note Receivable]; Other - 2006 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.310% | $0.00 | 1.1 | None | No | No | 8.625% | 2 | 2 | 0 | 0 | 2 | 0 | 13 | 0.00 | No | [Redacted] | [Redacted] | No | 32 | 5 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $765,600.00 | 2.625% | 11/01/2020 | $673,692.24 | $3,075.04 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.87 | No | No | $1,988.00 | $1,678.99 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224426193 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,713.75 | 8.118% | $505.96 | $505.96 | 7.375% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $3,125.07 | 1 | [Redacted] | $2,394.00 | [Redacted] | $199.50 | 42.655% | 42.655% | 42.655% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 5.710% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 2 | 0 | 2 | 0 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $171,800.00 | 2.375% | 10/07/2020 | $118,199.22 | $1,135.46 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.85 | No | $818.59 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224426572 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,993.75 | $4,413.20 | 7.638% | $729.93 | $729.93 | 7.250% | No | No | Employed | Permanent Resident Alien | $3,401.04 | 1 | [Redacted] | $1,428.96 | [Redacted] | $119.08 | 39.485% | 39.485% | 39.485% | [Redacted] | 733 | 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 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,993.75 | 6.290% | $0.00 | 1.1 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $100,000.00 | 4.375% | 09/08/2017 | $71,099.00 | $545.07 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224427506 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,833.80 | 8.357% | $1,464.97 | $1,464.97 | 8.250% | No | No | Self-Employed | US Citizen | $57,622.77 | 1 | [Redacted] | $2,499.00 | [Redacted] | $208.25 | 9.160% | 9.160% | 9.160% | [Redacted] | 728 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 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%)]; 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%)]; 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%)]; W-2 Transcript - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.310% | $0.00 | None | N/A | No | 8.250% | 4 | 2 | 0 | 2 | 2 | 8.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $491,500.00 | 2.990% | 03/11/2021 | $443,693.91 | $2,069.53 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224428694 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,295.00 | $5,754.34 | 8.081% | $2,486.03 | $2,486.03 | 7.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $39,851.26 | 1 | [Redacted] | $7,827.84 | [Redacted] | $652.32 | 34.811% | 34.811% | 34.811% | [Redacted] | 691 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $4,295.00 | 5.820% | $0.00 | 3.6 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $453,100.00 | 3.375% | 06/29/2018 | $252,886.00 | $3,766.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.27 | No | No | $30,565.73 | $0.00 | No | No | No | No | 4 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224430065 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,973.75 | $3,694.13 | 8.366% | $543.80 | $543.80 | 7.875% | No | No | Employed | US Citizen | $7,262.44 | 1 | [Redacted] | $1,968.00 | [Redacted] | $164.00 | 47.712% | 47.712% | 47.712% | [Redacted] | 741 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,973.75 | 6.170% | $0.00 | 1.0 | None | Yes | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $255,301.00 | 2.250% | 11/24/2020 | $221,696.17 | $975.88 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224455163 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,576.92 | $3,369.16 | 8.834% | $755.01 | $755.01 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $19,465.33 | 1 | [Redacted] | $681.00 | [Redacted] | $56.75 | 47.779% | 47.779% | 47.779% | [Redacted] | 720 | 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 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 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]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,576.92 | 6.170% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $346,500.00 | 2.625% | 12/08/2020 | $299,217.06 | $1,391.72 | 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 | No | $0.00 | $25,266.49 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224455301 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,131.00 | $3,123.90 | 9.160% | $482.23 | $482.23 | 8.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $10,754.92 | 1 | [Redacted] | $2,447.04 | [Redacted] | $203.92 | 39.022% | 39.022% | 39.022% | [Redacted] | 728 | No | No | Audited | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 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%)]; 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 - 2013 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2013 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; 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]; 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,131.00 | 6.290% | $0.00 | 1.0 | None | Yes | No | 8.625% | 2 | 2 | 2 | 0 | 2 | 2 | 9.47 | No | Not Stated | [Redacted] | [Redacted] | No | 27 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $329,000.00 | 5.375% | 06/14/2022 | $313,721.00 | $1,842.31 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.94 | No | No | $0.00 | $4,797.04 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224455305 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,862.50 | $4,022.10 | 8.110% | $752.23 | $752.23 | 7.750% | No | No | Employed | US Citizen | $7,227.82 | 1 | [Redacted] | $3,307.08 | [Redacted] | $275.59 | 37.546% | 37.546% | 37.546% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 | [Redacted] | $1,862.50 | 6.240% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $299,619.00 | 3.250% | 02/16/2017 | $238,236.00 | $1,368.17 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224456956 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,351.54 | $2,819.28 | 8.831% | $375.63 | $375.63 | 8.250% | No | No | Employed | US Citizen | $3,400.97 | 1 | [Redacted] | $1,401.96 | [Redacted] | $116.83 | 43.786% | 43.786% | 43.786% | [Redacted] | 678 | 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 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,351.54 | 6.240% | $0.00 | None | N/A | No | 8.250% | 1 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $127,200.00 | 2.875% | 06/29/2018 | $131,076.59 | $484.21 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224456989 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $9,516.25 | $12,157.99 | 8.236% | $2,399.98 | $2,399.98 | 7.875% | No | No | Self-Employed | Permanent Resident Alien | $9,384.20 | 1 | [Redacted] | $4,412.88 | [Redacted] | $367.74 | 44.734% | 44.734% | 44.734% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,516.25 | 6.540% | $0.00 | 1.5 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $548,250.00 | 2.990% | 03/26/2021 | $493,848.00 | $2,308.49 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224459395 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $1,100.44 | 7.252% | $1,500.79 | $1,500.79 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $27,218.55 | 1 | [Redacted] | $1,613.04 | [Redacted] | $134.42 | 26.388% | 26.388% | 26.388% | [Redacted] | 787 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[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 - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.240% | $0.00 | 4.7 | None | No | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 35 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $500,800.00 | 2.875% | 08/27/2020 | $429,942.25 | $2,077.78 | 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 | No | $0.00 | $18,891.09 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224465244 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,260.88 | 8.517% | $852.07 | $852.07 | 8.250% | No | No | Employed | US Citizen | $4,497.47 | 1 | [Redacted] | $1,403.04 | [Redacted] | $116.92 | 37.773% | 37.773% | 37.773% | [Redacted] | 694 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 5.760% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 16 | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $159,042.00 | 6.125% | 01/01/2006 | $88,456.94 | $966.36 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224466606 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,423.82 | 7.570% | $711.34 | $711.34 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $5,473.71 | 1 | [Redacted] | $5,925.48 | [Redacted] | $493.79 | 37.097% | 37.097% | 37.097% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | 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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 5.760% | $0.00 | None | N/A | No | 7.250% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $294,000.00 | 2.875% | 12/28/2020 | $262,561.70 | $1,219.78 | 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 | $0.00 | $5,380.84 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224466616 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,012.50 | $5,365.00 | 9.348% | $1,247.17 | $1,247.17 | 9.000% | No | No | Employed | Employed | US Citizen | US Citizen | $4,176.07 | 1 | [Redacted] | $2,307.96 | [Redacted] | $192.33 | 48.495% | 48.495% | 48.495% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 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 | [Redacted] | $4,012.50 | 6.160% | $0.00 | None | N/A | No | 9.000% | 2 | 2 | 2 | 0 | 3 | 3 | 0.00 | No | [Redacted] | No | 33 | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $270,000.00 | 2.875% | 02/08/2021 | $242,747.00 | $1,120.21 | 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 | $0.00 | $5,416.67 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224467049 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,687.18 | $3,528.56 | 8.810% | $843.64 | $843.64 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $26,279.77 | 1 | [Redacted] | $711.00 | [Redacted] | $59.25 | 40.283% | 40.283% | 40.283% | [Redacted] | 720 | 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 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,687.18 | 6.170% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $180,000.00 | 2.999% | 01/26/2021 | $151,609.00 | $758.79 | 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 | No | $0.00 | $31,464.10 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224468506 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,330.09 | $4,549.56 | 8.648% | $656.16 | $656.16 | 8.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $2,184.70 | 1 | [Redacted] | $1,842.00 | [Redacted] | $153.50 | 48.060% | 48.060% | 48.060% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 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 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $3,330.09 | 6.160% | $0.00 | 2.1 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | 1 | $138,750.00 | 2.250% | 08/01/2021 | $125,378.00 | $530.37 | 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 | $0.00 | $1,666.66 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224474783 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $895.00 | $1,499.44 | 8.003% | $725.07 | $725.07 | 7.875% | No | No | Employed | US Citizen | $4,597.01 | 1 | [Redacted] | $3,554.04 | [Redacted] | $296.17 | 41.687% | 41.687% | 41.687% | [Redacted] | 689 | 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 - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $895.00 | 6.310% | $0.00 | 1.9 | None | No | No | 7.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $213,000.00 | 2.990% | 12/07/2020 | $190,624.81 | $896.87 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224475781 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,799.00 | $3,476.16 | 8.714% | $794.28 | $794.28 | 8.375% | No | No | Employed | US Citizen | $5,177.69 | 1 | [Redacted] | $1,109.52 | [Redacted] | $92.46 | 41.256% | 41.256% | 41.256% | [Redacted] | 684 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 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 | [Redacted] | $1,799.00 | 6.240% | $0.00 | None | N/A | No | 8.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $53,290.00 | 6.875% | 05/01/2034 | $48,110.95 | $615.31 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224498680 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,702.50 | $6,517.80 | 8.762% | $1,922.28 | $1,922.28 | 8.500% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $10,891.91 | 1 | [Redacted] | $11,012.64 | [Redacted] | $917.72 | 44.768% | 44.768% | 44.768% | [Redacted] | 657 | No | No | [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 - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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]; 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 | [Redacted] | $5,702.50 | 6.170% | $0.00 | 1.7 | None | No | No | 8.500% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $753,000.00 | 2.750% | 09/23/2020 | $669,249.99 | $3,074.06 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | $7,422.82 | $0.00 | No | No | No | No | 1 | 360 | AE | 08/28/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224498684 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $8,870.00 | $11,284.14 | 8.831% | $2,683.51 | $2,683.51 | 8.500% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | $78,462.18 | 1 | [Redacted] | $1,783.32 | [Redacted] | $148.61 | 38.019% | 38.019% | 38.019% | [Redacted] | 744 | 773 | 751 | 756 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,870.00 | 6.310% | $0.00 | 2.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | 1 | $363,500.00 | 3.150% | 12/17/2021 | $335,185.73 | $1,562.09 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $126,589.80 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224532138 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,000.00 | $2,746.50 | 9.158% | $795.64 | $795.64 | 8.875% | No | No | Employed | US Citizen | $3,267.85 | 1 | [Redacted] | $2,969.04 | [Redacted] | $247.42 | 46.284% | 46.284% | 46.284% | [Redacted] | 691 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [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]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,000.00 | 6.290% | $0.00 | 1.0 | None | Yes | No | 8.875% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $332,800.00 | 3.375% | 08/19/2021 | $303,710.77 | $1,471.30 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543081 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,805.18 | $4,023.28 | 8.831% | $1,490.37 | $1,490.37 | 8.625% | No | No | Employed | US Citizen | $11,222.18 | 1 | [Redacted] | $2,560.20 | [Redacted] | $213.35 | 39.877% | 39.877% | 39.877% | [Redacted] | 729 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | 1 | 0 | 0 | [Redacted] | $2,805.18 | 6.160% | $0.00 | 1.0 | None | No | No | 8.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $159,600.00 | 4.125% | 08/03/2012 | $107,284.14 | $773.50 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543085 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,408.34 | $3,373.48 | 8.053% | $1,332.00 | $1,332.00 | 7.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $18,690.03 | 1 | [Redacted] | $2,015.04 | [Redacted] | $167.92 | 48.324% | 48.324% | 48.324% | [Redacted] | 786 | Yes | No | Borrower Prepared | [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%)]; 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 - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2023 |
[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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,408.34 | 6.310% | $0.00 | None | N/A | No | 7.875% | 1 | 2 | 1 | 0 | 2 | 1 | 10.07 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,305,500.00 | 6.990% | 06/26/2025 | $1,302,264.00 | $8,676.76 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.25 | No | No | $4,558.33 | $2,270.83 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543088 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,045.00 | $5,312.90 | 8.676% | $976.65 | $976.65 | 8.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,296.71 | 1 | [Redacted] | $4,068.12 | [Redacted] | $339.01 | 40.134% | 40.134% | 40.134% | [Redacted] | 699 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,045.00 | 6.310% | $0.00 | 1.5 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $192,000.00 | 3.375% | 04/01/2020 | $167,744.83 | $848.82 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.23 | No | $6,638.01 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543111 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,323.85 | $0.00 | 8.602% | $858.24 | $858.24 | 8.625% | No | No | Self-Employed | US Citizen | $10,681.21 | 1 | [Redacted] | $1,374.96 | [Redacted] | $114.58 | 24.117% | 24.117% | 24.117% | [Redacted] | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,323.85 | 5.640% | $0.00 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $194,413.00 | 3.125% | 05/01/2021 | $175,881.00 | $1,229.08 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543112 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,004.26 | 7.778% | $874.83 | $874.83 | 7.625% | No | No | Employed | US Citizen | $5,709.72 | 1 | [Redacted] | $1,737.96 | [Redacted] | $144.83 | 46.335% | 46.335% | 46.335% | [Redacted] | 744 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [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 [Borrower - | 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.160% | $0.00 | None | N/A | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | [Redacted] | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $424,500.00 | 5.250% | 05/16/2022 | $402,686.21 | $2,344.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543183 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,840.00 | $5,606.70 | 7.594% | $3,496.07 | $3,496.07 | 7.500% | No | No | Self-Employed | US Citizen | $27,455.38 | 1 | [Redacted] | $4,758.96 | [Redacted] | $396.58 | 33.736% | 33.736% | 33.736% | [Redacted] | 771 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [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%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [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%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [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%)]; 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,840.00 | 6.160% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 2 | 0 | 2 | 2 | 8.97 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $192,000.00 | 3.375% | 03/01/2013 | $134,940.00 | $848.83 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.61 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | C | 06/27/2025 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543229 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,684.79 | $2,350.13 | 7.364% | $1,451.36 | $1,451.36 | 7.000% | No | No | Non-Employment Income | US Citizen | $11,589.72 | 1 | [Redacted] | $4,902.96 | [Redacted] | $408.58 | 35.563% | 35.563% | 35.563% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2025 |
[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) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,684.79 | 5.600% | $0.00 | 4.3 | None | No | No | 7.000% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $229,074.00 | 2.500% | 01/07/2021 | $101,099.93 | $2,159.48 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 509.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 120 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543248 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,632.48 | 10.435% | $1,459.98 | $1,459.98 | 10.125% | No | No | Employed | US Citizen | $9,038.64 | 1 | [Redacted] | $4,697.04 | [Redacted] | $391.42 | 44.251% | 44.251% | 44.251% | [Redacted] | 652 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,690.00 | 5.660% | $0.00 | 3.9 | None | No | No | 10.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $348,000.00 | 3.250% | 04/28/2021 | $315,941.78 | $1,514.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224543281 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,866.50 | $4,992.76 | 8.484% | $2,861.67 | $2,861.67 | 8.375% | No | No | Self-Employed | US Citizen | $44,146.12 | 1 | [Redacted] | $1,202.04 | [Redacted] | $100.17 | 12.887% | 12.887% | 12.887% | [Redacted] | 764 | No | Yes | 12 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,866.50 | 6.170% | $0.00 | 2.6 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $300,000.00 | 4.625% | 08/01/2021 | $338,271.69 | $1,620.63 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224554141 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,490.00 | $3,303.80 | 8.464% | $1,126.90 | $1,126.90 | 8.250% | No | No | Self-Employed | US Citizen | $11,443.53 | 1 | [Redacted] | $4,786.08 | [Redacted] | $398.84 | 35.546% | 35.546% | 35.546% | [Redacted] | 723 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [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%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 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 | [Redacted] | $2,490.00 | 6.310% | $0.00 | 2.6 | None | No | No | 8.250% | 1 | 1 | 0 | 3 | 1 | 9.93 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $174,500.00 | 2.750% | 05/17/2021 | $151,494.00 | $712.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 08/25/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224554143 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,227.50 | $7,430.00 | 7.947% | $1,867.85 | $1,867.85 | 7.625% | No | No | Self-Employed | US Citizen | $7,699.45 | 1 | [Redacted] | $1,096.20 | [Redacted] | $91.35 | 44.815% | 44.815% | 44.815% | [Redacted] | 800 | No | No | Borrower Prepared | [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%)]; Other - 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%)]; 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%)]; 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 - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 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%)]; 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%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 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%)]; 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]; 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 | [Redacted] | $6,227.50 | 5.820% | $0.00 | None | N/A | No | 7.625% | 2 | 2 | 0 | 2 | 2 | 9.27 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $647,200.00 | 4.500% | 03/03/2022 | $609,503.76 | $3,279.27 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 300 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224565170 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,045.00 | $4,781.70 | 7.626% | $751.81 | $751.81 | 7.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $4,087.36 | 1 | [Redacted] | $1,569.24 | [Redacted] | $130.77 | 38.371% | 38.371% | 38.371% | [Redacted] | 702 | 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 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [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]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[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]; 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 | [Redacted] | $4,045.00 | 5.820% | $0.00 | None | N/A | No | 7.125% | 1 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $267,449.00 | 3.625% | 04/16/2015 | $204,944.00 | $1,219.70 | 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 | $2,165.70 | $0.00 | No | No | No | No | 1 | 300 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224565234 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,367.50 | $2,451.30 | 8.912% | $1,022.71 | $1,022.71 | 8.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,127.17 | 1 | [Redacted] | $2,292.00 | [Redacted] | $191.00 | 42.380% | 42.380% | 42.380% | [Redacted] | 728 | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,367.50 | 6.160% | $0.00 | 3.9 | None | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $159,200.00 | 5.375% | 05/10/2019 | $140,453.00 | $891.47 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | No | $1,639.05 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573483 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,640.03 | $5,522.05 | 8.594% | $1,267.64 | $1,267.64 | 8.250% | No | No | Employed | US Citizen | $12,518.24 | 1 | [Redacted] | $1,985.16 | [Redacted] | $165.43 | 38.105% | 38.105% | 38.105% | [Redacted] | 767 | No | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,640.03 | 6.290% | $0.00 | None | N/A | No | 8.250% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $240,000.00 | 4.375% | 05/14/2021 | $221,455.07 | $1,198.28 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.69 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573485 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,080.46 | 9.317% | $3,290.70 | $3,290.70 | 9.250% | No | No | Self-Employed | US Citizen | $19,180.96 | 1 | [Redacted] | $6,610.56 | [Redacted] | $550.88 | 38.514% | 38.514% | 38.514% | [Redacted] | 699 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.160% | $0.00 | 2.3 | None | No | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $417,000.00 | 2.875% | 01/03/2022 | $404,548.00 | $1,496.37 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573486 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,808.75 | $3,040.35 | 7.588% | $665.40 | $665.40 | 7.125% | No | No | Employed | US Citizen | $6,161.85 | 1 | [Redacted] | $2,202.00 | [Redacted] | $183.50 | 38.382% | 38.382% | 38.382% | [Redacted] | 742 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,808.75 | 5.760% | $0.00 | 2.4 | None | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $345,000.00 | 3.250% | 08/19/2021 | $315,272.94 | $1,501.46 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573505 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $9,440.00 | $10,462.23 | 8.967% | $1,883.84 | $1,883.84 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $11,601.54 | 1 | [Redacted] | $1,113.96 | [Redacted] | $92.83 | 10.449% | 10.449% | 10.449% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $9,440.00 | 6.160% | $0.00 | 2.8 | None | Yes | No | 8.500% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 11 | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $330,000.00 | 2.847% | 09/03/2021 | $300,484.00 | $1,364.22 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.65 | No | $0.00 | $5,408.26 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573520 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,250.00 | $4,060.28 | 8.882% | $525.89 | $525.89 | 8.250% | No | No | Employed | US Citizen | $7,931.96 | 1 | [Redacted] | $1,869.00 | [Redacted] | $155.75 | 33.961% | 33.961% | 33.961% | [Redacted] | 740 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,250.00 | 6.160% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $340,500.00 | 3.375% | 01/11/2022 | $315,503.00 | $1,505.34 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573615 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $4,392.90 | 7.977% | $2,951.03 | $2,951.03 | 7.875% | No | No | Employed | US Citizen | $8,859.32 | 1 | [Redacted] | $3,570.96 | [Redacted] | $297.58 | 46.132% | 46.132% | 46.132% | [Redacted] | 778 | No | No | [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,790.00 | 6.160% | $0.00 | 2.5 | None | No | No | 7.875% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $510,000.00 | 3.000% | 03/27/2020 | $446,133.00 | $2,150.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.53 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573630 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $0.00 | $3,712.12 | 8.907% | $1,397.64 | $1,397.64 | 8.625% | No | No | Employed | Employed | US Citizen | US Citizen | $14,517.47 | 1 | [Redacted] | $2,598.12 | [Redacted] | $216.51 | 47.423% | 47.423% | 47.423% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | 5.770% | $0.00 | 1.0 | None | Yes | No | 8.625% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 34 | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $430,500.00 | 2.750% | 12/15/2020 | $382,729.05 | $1,757.48 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 126.43 | No | No | $0.00 | $15,972.23 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573632 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,839.50 | $3,219.81 | 7.816% | $730.68 | $730.68 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $12,821.20 | 1 | [Redacted] | $1,734.96 | [Redacted] | $144.58 | 14.964% | 14.964% | 14.964% | [Redacted] | 794 | No | No | [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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [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 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,839.50 | 6.160% | $0.00 | 2.6 | None | No | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $96,000.00 | 4.875% | 04/26/2019 | $85,192.62 | $508.04 | 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 | $0.00 | $6,056.27 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224573756 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $8,310.00 | $10,777.20 | 9.883% | $2,690.73 | $2,690.73 | 9.500% | No | No | Self-Employed | US Citizen | $15,460.78 | 1 | [Redacted] | $9,291.00 | [Redacted] | $774.25 | 35.929% | 35.929% | 35.929% | [Redacted] | 717 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $8,310.00 | 6.540% | $0.00 | 2.6 | None | No | No | 9.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $640,000.00 | 4.250% | 12/01/2016 | $784,295.00 | $3,699.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224574417 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,468.80 | $5,397.40 | 9.324% | $1,471.49 | $1,471.49 | 9.000% | No | No | Not Employed | Self-Employed | US Citizen | $19,084.77 | 1 | [Redacted] | $1,805.04 | [Redacted] | $150.42 | 46.667% | 46.667% | 46.667% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,468.80 | 6.160% | $0.00 | 3.3 | None | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $384,000.00 | 4.125% | 11/04/2019 | $324,168.00 | $1,861.05 | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.43 | No | No | $35,784.10 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224574433 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,146.94 | $3,593.94 | 8.467% | $2,831.55 | $2,831.55 | 8.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $31,538.63 | 1 | [Redacted] | $3,594.12 | [Redacted] | $299.51 | 30.956% | 30.956% | 30.956% | [Redacted] | 701 | No | Yes | 12 | Business | 96.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Other]; Account Statements - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,146.94 | 6.160% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $753,250.00 | 3.250% | 06/22/2021 | $685,633.51 | $3,278.20 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224574504 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,770.00 | $6,207.56 | 8.823% | $2,333.37 | $2,333.37 | 8.625% | No | No | Self-Employed | US Citizen | $13,599.33 | 1 | [Redacted] | $2,990.64 | [Redacted] | $249.22 | 28.799% | 28.799% | 28.799% | [Redacted] | 689 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,770.00 | 6.170% | $0.00 | 1.1 | None | Yes | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $203,000.00 | 3.500% | 06/05/2019 | $126,963.56 | $1,451.22 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224574954 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,306.75 | $4,637.83 | 10.927% | $732.56 | $732.56 | 10.250% | No | No | Self-Employed | US Citizen | $42,054.43 | 1 | [Redacted] | $2,252.04 | [Redacted] | $187.67 | 36.110% | 36.110% | 36.110% | [Redacted] | 777 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,306.75 | 6.170% | $0.00 | 1.4 | None | Yes | No | 10.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $572,000.00 | 3.500% | 08/23/2021 | $520,873.00 | $2,568.54 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.73 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224575220 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,490.00 | $2,982.85 | 9.675% | $1,515.81 | $1,515.81 | 9.500% | No | No | Self-Employed | US Citizen | $128,599.11 | 1 | [Redacted] | $6,883.20 | [Redacted] | $573.60 | 25.905% | 25.905% | 25.905% | [Redacted] | 706 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.160% | $0.00 | None | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $704,000.00 | 5.875% | 01/30/2020 | $637,346.88 | $4,164.43 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.56 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224575230 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,744.41 | $4,511.40 | 8.661% | $871.12 | $871.12 | 8.250% | No | No | Employed | US Citizen | $4,322.71 | 1 | [Redacted] | $918.00 | [Redacted] | $76.50 | 49.145% | 49.145% | 49.145% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $3,744.41 | 6.320% | $0.00 | 1.2 | None | No | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $510,211.00 | 3.375% | 12/29/2021 | $471,007.00 | $2,255.62 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224575262 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,617.75 | $3,497.75 | 7.827% | $490.38 | $490.38 | 7.375% | No | No | Employed | US Citizen | $3,896.77 | 1 | [Redacted] | $2,713.20 | [Redacted] | $226.10 | 44.987% | 44.987% | 44.987% | [Redacted] | 747 | No | No | [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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,617.75 | 6.170% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $280,000.00 | 2.875% | 03/05/2021 | $251,738.22 | $1,161.70 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224581465 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,295.00 | $1,749.25 | 7.829% | $601.62 | $601.62 | 7.625% | No | No | Employed | US Citizen | $7,240.50 | 1 | [Redacted] | $1,641.96 | [Redacted] | $136.83 | 26.008% | 26.008% | 26.008% | [Redacted] | 793 | 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 |
[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 | [Redacted] | $1,295.00 | 6.170% | $0.00 | None | N/A | No | 7.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $337,260.00 | 3.250% | 06/01/2020 | $297,917.83 | $1,467.78 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224581825 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,590.00 | $8,057.92 | 8.535% | $3,800.36 | $3,800.36 | 8.375% | No | No | Self-Employed | US Citizen | $41,062.17 | 1 | [Redacted] | $4,008.00 | [Redacted] | $334.00 | 37.618% | 37.618% | 37.618% | [Redacted] | 777 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,590.00 | 6.170% | $0.00 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $822,375.00 | 3.125% | 11/08/2021 | $754,761.24 | $5,621.57 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.53 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224582083 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $895.00 | $1,900.36 | 8.582% | $1,630.10 | $1,630.10 | 8.500% | No | No | Self-Employed | US Citizen | $20,397.28 | 3 | [Redacted] | $3,419.04 | [Redacted] | $284.92 | 42.216% | 42.216% | 42.216% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 30.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $895.00 | 6.230% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $319,375.00 | 4.500% | 05/01/2019 | $275,214.92 | $1,588.46 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.67 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224588634 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,970.50 | 7.702% | $706.21 | $706.21 | 7.500% | No | No | Employed | US Citizen | $10,462.03 | 1 | [Redacted] | $2,024.04 | [Redacted] | $168.67 | 46.745% | 46.745% | 46.745% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; Deposit Receipt - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2023 |
[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 | [Redacted] | $1,490.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $480,000.00 | 3.125% | 09/13/2021 | $437,923.40 | $2,056.20 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224607008 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,995.00 | $2,919.59 | 8.461% | $1,126.90 | $1,126.90 | 8.250% | No | No | Employed | US Citizen | $3,745.71 | 1 | [Redacted] | $1,573.68 | [Redacted] | $131.14 | 49.909% | 49.909% | 49.909% | [Redacted] | 670 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | 1 | 0 | 0 | [Redacted] | $1,995.00 | 6.160% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $368,000.00 | 2.820% | 01/21/2022 | $338,630.22 | $1,516.01 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224607019 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $1,745.39 | 8.433% | $2,470.23 | $2,470.23 | 8.375% | No | No | Self-Employed | US Citizen | $17,492.77 | 1 | [Redacted] | $2,172.96 | [Redacted] | $181.08 | 39.395% | 39.395% | 39.395% | [Redacted] | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.160% | $0.00 | 2.6 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $491,250.00 | 3.375% | 01/06/2021 | $424,294.32 | $2,171.80 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.01 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224612549 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,340.00 | $1,590.00 | 9.621% | $411.34 | $411.34 | 9.250% | No | No | Employed | US Citizen | $3,462.18 | 1 | [Redacted] | $669.12 | [Redacted] | $55.76 | 41.830% | 41.830% | 41.830% | [Redacted] | 656 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,340.00 | 6.170% | $0.00 | None | N/A | No | 9.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $216,015.00 | 3.875% | 11/08/2017 | $181,334.51 | $1,229.63 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224614186 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,295.00 | $4,836.99 | 7.759% | $1,293.55 | $1,293.55 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,628.92 | 1 | [Redacted] | $755.04 | [Redacted] | $62.92 | 29.613% | 29.613% | 29.613% | [Redacted] | 777 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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 | [Redacted] | $2,295.00 | 6.260% | $0.00 | None | N/A | No | 7.500% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $355,000.00 | 3.875% | 07/20/2017 | $291,248.83 | $1,669.35 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224618856 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,055.97 | 8.596% | $891.40 | $891.40 | 8.375% | No | No | Employed | US Citizen | $9,188.02 | 1 | [Redacted] | $1,545.00 | [Redacted] | $128.75 | 40.118% | 40.118% | 40.118% | [Redacted] | 741 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,590.00 | 5.820% | $0.00 | None | N/A | No | 8.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $540,000.00 | 3.000% | 09/01/2021 | $492,806.55 | $2,276.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 300 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224619033 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,950.00 | $4,839.54 | 7.451% | $1,296.13 | $1,296.13 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $10,333.41 | 1 | [Redacted] | $1,832.04 | [Redacted] | $152.67 | 48.000% | 48.000% | 48.000% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[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]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,950.00 | 6.160% | $0.00 | 2.6 | None | Yes | No | 7.250% | 2 | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | No | 34 | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $290,000.00 | 0.010% | 03/30/2021 | $264,123.00 | $1,273.41 | 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 | No | $0.00 | $12,052.95 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224628966 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $2,202.50 | 7.910% | $834.31 | $834.31 | 7.500% | No | No | Employed | US Citizen | $4,310.25 | 1 | [Redacted] | $2,985.00 | [Redacted] | $248.75 | 43.743% | 43.743% | 43.743% | [Redacted] | 695 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,990.00 | 5.560% | $0.00 | 1.1 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $126,320.00 | 3.875% | 11/13/2019 | $111,937.00 | $594.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224635810 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,295.00 | 7.992% | $716.41 | $716.41 | 7.750% | No | No | Self-Employed | US Citizen | $7,888.92 | 1 | [Redacted] | $4,010.04 | [Redacted] | $334.17 | 35.423% | 35.423% | 35.423% | [Redacted] | 728 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; Telephone Listing / Internet Search / Directory Assistance - 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%)]; Business Return Transcripts - 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%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 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 | [Redacted] | $1,890.00 | 6.260% | $0.00 | None | N/A | No | 7.750% | 2 | 2 | 0 | 2 | 2 | 10.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $310,000.00 | 3.500% | 07/01/2021 | $281,662.29 | $1,392.04 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224635827 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,997.50 | $4,600.65 | 8.807% | $676.14 | $676.14 | 8.250% | No | No | Self-Employed | US Citizen | $4,446.19 | 1 | [Redacted] | $1,236.00 | [Redacted] | $103.00 | 40.984% | 40.984% | 40.984% | [Redacted] | 657 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [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 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $3,997.50 | 6.170% | $0.00 | None | N/A | No | 8.250% | 0 | 1 | 0 | 3 | 1 | 10.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $402,000.00 | 3.750% | 09/01/2007 | $312,344.67 | $1,302.58 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224661078 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,226.90 | 8.487% | $1,011.03 | $1,011.03 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $18,244.25 | 1 | [Redacted] | $2,073.00 | [Redacted] | $172.75 | 17.119% | 17.119% | 17.119% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,790.00 | 5.560% | $0.00 | None | N/A | No | 8.125% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 9 | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $464,000.00 | 2.990% | 01/13/2021 | $413,820.10 | $1,953.74 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.74 | No | $0.00 | $12,429.15 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224661173 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,662.50 | $3,727.35 | 8.865% | $845.80 | $845.80 | 8.500% | No | No | Not Employed | Employed | Permanent Resident Alien | $7,547.71 | 1 | [Redacted] | $210.00 | [Redacted] | $17.50 | 45.983% | 45.983% | 45.983% | [Redacted] | 782 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[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 | [Redacted] | $2,662.50 | 6.230% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $172,425.00 | 2.625% | 07/28/2021 | $122,846.61 | $1,159.89 | Yes | Business Entity | No | No | FICO 8 | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 59.95 | No | No | ($1,969.33) | $15,942.08 | No | No | No | No | 10 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224661182 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $1,959.68 | 10.854% | $2,800.44 | $2,800.44 | 10.750% | No | No | Self-Employed | US Citizen | $30,256.13 | 1 | [Redacted] | $4,154.52 | [Redacted] | $346.21 | 48.996% | 48.996% | 48.996% | [Redacted] | 719 | Yes | Yes | 12 | Business | 95.000% | 100.000% | [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.260% | $0.00 | 1.3 | None | Yes | No | 10.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 120 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $1,996,000.00 | 2.875% | 09/15/2021 | $1,814,300.95 | $8,281.26 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.02 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224661390 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,748.00 | $9,467.72 | 8.244% | $1,732.92 | $1,732.92 | 7.875% | No | No | Self-Employed | US Citizen | $9,058.61 | 1 | [Redacted] | $7,173.24 | [Redacted] | $597.77 | 40.114% | 40.114% | 40.114% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,748.00 | 6.170% | $0.00 | 3.5 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $244,000.00 | 5.375% | 08/03/2018 | $215,860.00 | $1,366.33 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224661423 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,532.01 | 8.010% | $741.61 | $741.61 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $10,410.67 | 1 | [Redacted] | $1,424.04 | [Redacted] | $118.67 | 34.575% | 34.575% | 34.575% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,690.00 | 5.640% | $0.00 | None | N/A | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 20 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $375,000.00 | 2.500% | 12/28/2020 | $334,226.23 | $1,481.70 | 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 | $0.00 | $9,245.60 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224664298 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,571.25 | $5,384.62 | 9.014% | $1,376.73 | $1,376.73 | 8.750% | No | No | Employed | US Citizen | $14,170.71 | 1 | [Redacted] | $1,293.48 | [Redacted] | $107.79 | 47.858% | 47.858% | 47.858% | [Redacted] | 720 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [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 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,571.25 | 6.230% | $0.00 | None | N/A | No | 8.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 22 | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $441,892.00 | 3.125% | 04/01/2020 | $387,297.83 | $1,892.96 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.17 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224664464 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $0.00 | $3,662.28 | 8.138% | $3,712.49 | $3,712.49 | 8.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $38,346.21 | 1 | [Redacted] | $7,301.52 | [Redacted] | $608.46 | 48.193% | 48.193% | 48.193% | [Redacted] | 796 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 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%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 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]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 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 | [Redacted] | 6.230% | $0.00 | 1.7 | None | Yes | No | 8.125% | 0 | 0 | 2 | 0 | 3 | 2 | 8.97 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $684,000.00 | 7.000% | 08/02/2014 | $519,319.50 | $4,141.91 | 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 | No | $46,378.33 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224678559 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,027.50 | $4,025.50 | 8.207% | $942.59 | $942.59 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $16,118.59 | 1 | [Redacted] | $4,332.48 | [Redacted] | $361.04 | 28.492% | 28.492% | 28.492% | [Redacted] | 740 | 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 [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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[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 - 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 | [Redacted] | $3,027.50 | 6.260% | $0.00 | 1.0 | None | No | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 34 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $646,182.00 | 2.500% | 09/29/2021 | $583,983.57 | $2,553.20 | 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 | $0.00 | $13,131.73 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224691883 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,495.00 | $2,682.42 | 7.994% | $363.59 | $363.59 | 7.500% | No | No | Non-Employment Income | US Citizen | $3,249.23 | 1 | [Redacted] | $449.04 | [Redacted] | $37.42 | 41.229% | 41.229% | 41.229% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2023 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2023 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2023 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2008 [Borrower - | Non-Primary Income - Disability]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Disability]; W-2 - 2024 [Borrower - | Non-Primary Income - Disability]; 1099 Transcript - No Results Returned - 2023 [Borrower - | Non-Primary Income - Disability]; W-2 - 2023 [Borrower - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2013 |
[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 | [Redacted] | $1,495.00 | 6.290% | $0.00 | 3.1 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $148,000.00 | 3.375% | 09/25/2020 | $132,745.82 | $654.30 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224691886 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,695.23 | $16,553.29 | 9.064% | $3,891.15 | $3,891.15 | 8.750% | No | No | Self-Employed | US Citizen | $32,028.30 | 3 | [Redacted] | $2,006.16 | [Redacted] | $167.18 | 22.991% | 22.991% | 22.991% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,695.23 | 6.240% | $0.00 | None | N/A | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $598,500.00 | 2.875% | 08/07/2020 | $528,457.81 | $2,483.14 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224692048 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,255.83 | $3,433.37 | 9.873% | $396.22 | $396.22 | 9.125% | No | No | Employed | US Citizen | $56,473.70 | 1 | [Redacted] | $410.04 | [Redacted] | $34.17 | 35.532% | 35.532% | 35.532% | [Redacted] | 727 | 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 |
[Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,255.83 | 6.160% | $0.00 | None | N/A | No | 9.125% | 1 | 0 | 0 | 1 | 0 | 0.00 | No | [Redacted] | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $212,000.00 | 5.875% | 06/30/2022 | $202,736.79 | $1,254.06 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.96 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224692053 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,310.00 | $3,537.23 | 9.617% | $397.82 | $397.82 | 8.875% | No | No | Employed | US Citizen | $64,235.38 | 1 | [Redacted] | $528.96 | [Redacted] | $44.08 | 35.828% | 35.828% | 35.828% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 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 | [Redacted] | $2,310.00 | 6.160% | $0.00 | None | N/A | No | 8.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $195,000.00 | 6.125% | 04/01/2025 | $190,405.00 | $1,173.43 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.4 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224693418 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $3,151.36 | 7.699% | $1,195.90 | $1,195.90 | 7.375% | No | No | Employed | US Citizen | $11,589.44 | 1 | [Redacted] | $1,783.08 | [Redacted] | $148.59 | 38.273% | 38.273% | 38.273% | [Redacted] | 724 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,790.00 | 5.560% | $0.00 | 1.0 | None | No | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $367,951.00 | 2.375% | 11/23/2021 | $308,944.42 | $1,927.45 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224693575 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,345.00 | $5,331.58 | 7.509% | $2,072.03 | $2,072.03 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,138.68 | 1 | [Redacted] | $3,071.52 | [Redacted] | $255.96 | 46.528% | 46.528% | 46.528% | [Redacted] | 730 | No | No | Borrower Prepared | [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%)]; 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%)]; 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 - | 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%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,345.00 | 6.260% | $0.00 | 2.7 | None | Yes | No | 7.375% | 2 | 0 | 2 | 0 | 3 | 2 | 11.03 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $642,000.00 | 2.990% | 02/07/2022 | $569,497.66 | $2,703.24 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224699886 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,325.50 | $3,392.13 | 9.214% | $384.46 | $384.46 | 8.500% | No | No | Employed | US Citizen | $52,082.75 | 1 | [Redacted] | $384.00 | [Redacted] | $32.00 | 40.544% | 40.544% | 40.544% | [Redacted] | 727 | 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 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 1 | 0 | [Redacted] | $2,325.50 | 6.160% | $0.00 | None | N/A | No | 8.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $200,250.00 | 6.990% | 03/17/2023 | $192,485.06 | $1,330.92 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224705514 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,195.00 | $4,223.80 | 9.014% | $1,918.46 | $1,918.46 | 8.875% | No | No | Not Employed | Self-Employed | US Citizen | $202,825.68 | 3 | [Redacted] | $3,636.00 | [Redacted] | $303.00 | 28.825% | 28.825% | 28.825% | [Redacted] | 768 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2006 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,195.00 | 6.170% | $0.00 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $735,000.00 | 3.875% | 01/27/2022 | $683,894.36 | $3,456.24 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 155.77 | No | No | $284,969.04 | $0.00 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224709563 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,190.00 | $18,126.02 | 8.956% | $3,075.65 | $3,075.65 | 8.500% | No | No | Employed | US Citizen | $5,599.44 | 2 | [Redacted] | $4,316.04 | [Redacted] | $359.67 | 48.523% | 48.523% | 48.523% | [Redacted] | 695 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[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 | [Redacted] | $14,190.00 | 6.170% | $0.00 | 1.0 | None | No | No | 8.500% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | No | 33 | Yes | Final | Fee Simple | Individual | Individual | 1 | $341,000.00 | 3.000% | 02/11/2021 | $305,493.85 | $1,437.67 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.13 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224709768 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $1,245.80 | 9.527% | $1,387.41 | $1,387.41 | 9.500% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $11,527.46 | 1 | [Redacted] | $1,686.00 | [Redacted] | $140.50 | 43.509% | 43.509% | 43.509% | [Redacted] | 643 | No | No | [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Pension]; 1099-R - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [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 | [Redacted] | 6.190% | $0.00 | 1.0 | None | Yes | No | 9.500% | 0 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $225,000.00 | 6.000% | 07/18/2022 | $215,651.70 | $1,348.99 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.87 | No | No | $0.00 | $14,816.58 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224711170 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,919.03 | 7.525% | $1,381.35 | $1,381.35 | 7.375% | No | No | Self-Employed | US Citizen | $10,397.61 | 1 | [Redacted] | $2,379.96 | [Redacted] | $198.33 | 49.733% | 49.733% | 49.733% | [Redacted] | 750 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | 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 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.230% | $0.00 | None | N/A | No | 7.375% | 0 | 1 | 0 | 2 | 1 | 8.97 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $374,200.00 | 2.125% | 01/05/2021 | $258,963.46 | $2,429.61 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224713323 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,266.25 | $2,951.16 | 9.149% | $590.03 | $590.03 | 8.750% | No | No | Self-Employed | US Citizen | $3,334.82 | 1 | [Redacted] | $3,461.76 | [Redacted] | $288.48 | 35.315% | 35.315% | 35.315% | [Redacted] | 726 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2023 |
[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 | [Redacted] | $2,266.25 | 6.190% | $0.00 | None | N/A | No | 8.750% | 0 | 0 | 0 | 2 | 0 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $144,708.00 | 3.875% | 01/13/2014 | $109,543.00 | $680.48 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224713338 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,013.75 | $4,073.78 | 9.017% | $509.25 | $509.25 | 8.375% | No | No | Employed | US Citizen | $51,983.46 | 1 | [Redacted] | $363.96 | [Redacted] | $30.33 | 40.658% | 40.658% | 40.658% | [Redacted] | 727 | 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 |
[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 | [Redacted] | $3,013.75 | 6.160% | $0.00 | None | N/A | No | 8.375% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $165,113.00 | 3.625% | 01/22/2020 | $161,757.00 | $814.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224713594 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $7,245.00 | $7,695.56 | 9.430% | $4,113.38 | $4,113.38 | 9.250% | No | No | Self-Employed | US Citizen | $25,684.94 | 1 | [Redacted] | $6,663.00 | [Redacted] | $555.25 | 48.143% | 48.143% | 48.143% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,245.00 | 6.230% | $0.00 | 3.0 | None | No | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,997,168.00 | 7.250% | 10/15/2025 | $1,997,168.00 | $12,066.22 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224713764 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,594.40 | $3,804.48 | 7.810% | $1,274.03 | $1,274.03 | 7.625% | No | No | Employed | US Citizen | $7,108.93 | 1 | [Redacted] | $1,875.00 | [Redacted] | $156.25 | 32.075% | 32.075% | 32.075% | [Redacted] | 755 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,594.40 | 6.230% | $0.00 | None | N/A | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $206,850.00 | 2.500% | 12/21/2020 | $165,888.23 | $1,096.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224713802 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,165.00 | $2,776.61 | 9.618% | $445.85 | $445.85 | 8.875% | No | No | Employed | US Citizen | $5,023.46 | 1 | [Redacted] | $2,731.32 | [Redacted] | $227.61 | 48.913% | 48.913% | 48.913% | [Redacted] | 677 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,165.00 | 5.770% | $0.00 | 1.0 | None | Yes | No | 8.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $120,000.00 | 2.875% | 06/01/2021 | $86,365.35 | $821.50 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224715677 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,586.00 | $5,742.00 | 8.278% | $1,419.83 | $1,419.83 | 8.000% | No | No | Employed | US Citizen | $10,410.37 | 1 | [Redacted] | $5,243.04 | [Redacted] | $436.92 | 39.706% | 39.706% | 39.706% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 | [Redacted] | $4,586.00 | 6.230% | $0.00 | None | N/A | No | 8.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $851,000.00 | 3.125% | 11/09/2021 | $779,635.79 | $3,645.48 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224715752 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,497.79 | $4,400.68 | 9.321% | $812.21 | $812.21 | 8.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,550.10 | 1 | [Redacted] | $3,981.96 | [Redacted] | $331.83 | 26.377% | 26.377% | 26.377% | [Redacted] | 679 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $3,497.79 | 6.290% | $0.00 | None | N/A | No | 8.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $234,900.00 | 2.990% | 01/14/2021 | $210,534.40 | $989.08 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.58 | No | $0.00 | $5,893.34 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224718975 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,870.00 | $3,495.04 | 7.559% | $2,272.45 | $2,272.45 | 7.500% | No | No | Self-Employed | US Citizen | $9,559.67 | 1 | [Redacted] | $1,263.00 | [Redacted] | $105.25 | 44.445% | 44.445% | 44.445% | [Redacted] | 726 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $1,870.00 | 6.260% | $0.00 | 4.3 | None | No | No | 7.500% | 1 | 0 | 0 | 2 | 0 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $417,000.00 | 3.500% | 11/26/2012 | $319,356.00 | $1,872.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224720281 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,206.55 | $2,707.50 | 9.258% | $608.28 | $608.28 | 8.750% | No | No | Self-Employed | US Citizen | $1,631.04 | 1 | [Redacted] | $1,579.32 | [Redacted] | $131.61 | 48.896% | 48.896% | 48.896% | [Redacted] | 673 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,206.55 | 5.890% | $0.00 | None | N/A | No | 8.750% | 0 | 1 | 0 | 2 | 1 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $88,000.00 | 3.375% | 11/01/2021 | $74,167.41 | $499.63 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224720491 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,800.00 | $2,290.48 | 8.144% | $394.03 | $394.03 | 7.750% | No | No | Employed | US Citizen | $1,884.24 | 1 | [Redacted] | $2,055.12 | [Redacted] | $171.26 | 43.803% | 43.803% | 43.803% | [Redacted] | 729 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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 | [Redacted] | $1,800.00 | 6.230% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 19 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $160,000.00 | 2.000% | 10/01/2005 | $57,359.65 | $258.96 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224721710 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,339.80 | $3,874.03 | 9.433% | $587.19 | $587.19 | 8.875% | No | No | Employed | US Citizen | $5,542.89 | 1 | [Redacted] | $4,160.88 | [Redacted] | $346.74 | 33.485% | 33.485% | 33.485% | [Redacted] | 655 | 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 - 2005 |
[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 | [Redacted] | $3,339.80 | 6.260% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $190,272.00 | 4.750% | 10/09/2021 | $179,467.00 | $1,058.80 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224723013 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,812.50 | $3,548.06 | 9.279% | $1,474.71 | $1,474.71 | 9.125% | No | No | Self-Employed | US Citizen | $14,491.96 | 2 | [Redacted] | $1,488.00 | [Redacted] | $124.00 | 43.752% | 43.752% | 43.752% | [Redacted] | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,812.50 | 6.160% | $0.00 | None | No | No | 9.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $476,000.00 | 2.990% | 10/07/2021 | $436,846.28 | $2,004.27 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.7 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224725574 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,765.00 | $3,171.82 | 8.096% | $1,243.02 | $1,243.02 | 7.875% | No | No | Employed | US Citizen | $7,085.71 | 1 | [Redacted] | $3,213.96 | [Redacted] | $267.83 | 29.143% | 29.143% | 29.143% | [Redacted] | 778 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,765.00 | 5.890% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $162,000.00 | 3.000% | 05/01/2021 | $146,898.54 | $683.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224725578 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,995.00 | $500.56 | 7.864% | $1,812.67 | $1,812.67 | 7.875% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,870.00 | 1 | [Redacted] | $2,192.04 | [Redacted] | $182.67 | 44.142% | 44.142% | 44.142% | [Redacted] | 798 | No | No | [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]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - VA Service Related Disability]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - VA Service Related Disability]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - VA Service Related Disability]; 1099 Transcript - 2022 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2022 |
[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 | [Redacted] | $1,995.00 | 6.230% | $0.00 | None | N/A | No | 7.875% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $550,000.00 | 2.875% | 07/31/2020 | $484,225.73 | $2,281.91 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.74 | No | $7,594.15 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224725776 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,805.00 | $8,643.90 | 7.998% | $1,412.40 | $1,412.40 | 7.375% | No | No | Employed | US Citizen | $6,905.33 | 1 | [Redacted] | $2,757.00 | [Redacted] | $229.75 | 42.179% | 42.179% | 42.179% | [Redacted] | 780 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $7,805.00 | 5.890% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $592,000.00 | 3.125% | 10/22/2021 | $541,231.55 | $2,535.99 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224728338 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $876.38 | $1,576.32 | 9.255% | $494.84 | $494.84 | 9.000% | No | No | Employed | US Citizen | $2,264.53 | 1 | [Redacted] | $278.04 | [Redacted] | $23.17 | 44.819% | 44.819% | 44.819% | [Redacted] | 726 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2023 |
[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 | [Redacted] | $876.38 | 6.220% | $0.00 | None | N/A | No | 9.000% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $120,000.00 | 5.500% | 07/15/2022 | $101,959.00 | $980.50 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224729780 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,515.13 | 7.933% | $408.34 | $408.34 | 7.500% | No | No | Non-Employment Income | US Citizen | $2,600.26 | 1 | [Redacted] | $2,702.04 | [Redacted] | $225.17 | 50.000% | 50.000% | 50.000% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.260% | $0.00 | None | N/A | No | 7.500% | 0 | 1 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $322,800.00 | 2.375% | 02/02/2021 | $286,376.00 | $1,254.57 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224730611 | [Redacted] | [Redacted] | Non QM | Yes | No | $895.00 | $2,170.86 | 7.398% | $3,453.38 | $3,453.38 | 7.375% | No | No | Employed | US Citizen | $86,861.09 | 1 | [Redacted] | $12,534.96 | [Redacted] | $1,044.58 | 37.698% | 37.698% | 37.698% | [Redacted] | 765 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $895.00 | 6.260% | $0.00 | 1.6 | None | Yes | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $867,100.00 | 5.000% | 05/18/2020 | $753,325.83 | $4,441.47 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.79 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224731084 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,335.00 | $5,230.90 | 8.098% | $1,074.62 | $1,074.62 | 7.750% | No | No | Employed | US Citizen | $6,012.96 | 1 | [Redacted] | $1,549.20 | [Redacted] | $129.10 | 41.830% | 41.830% | 41.830% | [Redacted] | 729 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,335.00 | 6.160% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 23 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $280,250.00 | 5.125% | 09/22/2015 | $231,480.97 | $1,215.06 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224731087 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,790.00 | $2,794.75 | 8.286% | $1,113.75 | $1,113.75 | 8.125% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $3,236.60 | 2 | [Redacted] | $1,023.00 | [Redacted] | $85.25 | 41.534% | 41.534% | 41.534% | [Redacted] | 812 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 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 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - No Results Returned - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.260% | $0.00 | None | No | No | 8.125% | 2 | 0 | 1 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $150,000.00 | 5.875% | 03/03/2018 | $132,992.65 | $1,208.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.36 | No | No | $2,615.63 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224731279 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,238.88 | $2,916.98 | 8.369% | $1,649.41 | $1,649.41 | 8.250% | No | No | Self-Employed | US Citizen | $45,040.48 | 1 | [Redacted] | $4,017.96 | [Redacted] | $334.83 | 12.499% | 12.499% | 12.499% | [Redacted] | 708 | No | Yes | 12 | Business | 100.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,238.88 | 6.160% | $0.00 | 3.5 | None | No | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $520,000.00 | 2.625% | 12/02/2021 | $403,287.53 | $3,497.99 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224733794 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,795.00 | $8,500.75 | 8.090% | $1,316.50 | $1,316.50 | 7.625% | No | No | Self-Employed | US Citizen | $8,170.75 | 1 | [Redacted] | $1,686.00 | [Redacted] | $140.50 | 41.197% | 41.197% | 41.197% | [Redacted] | 754 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [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%)]; 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 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 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,795.00 | 6.160% | $0.00 | 1.0 | None | Yes | No | 7.625% | 1 | 1 | 0 | 3 | 2 | 10.97 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $570,308.00 | 2.875% | 08/27/2021 | $512,522.06 | $2,366.17 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224735085 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $2,539.98 | 8.251% | $733.76 | $733.76 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $6,052.49 | 1 | [Redacted] | $1,509.00 | [Redacted] | $125.75 | 43.001% | 43.001% | 43.001% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 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 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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]; W-2 - 2024 [Coborrower(s) - | Non-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]; 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.230% | $0.00 | 4.2 | None | No | No | 8.000% | 2 | 1 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 35 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $250,500.00 | 5.375% | 10/24/2024 | $247,342.21 | $1,402.73 | 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 | ($375.25) | $6,297.35 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224735992 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,140.00 | $7,294.58 | 9.697% | $1,439.68 | $1,439.68 | 9.250% | No | No | Employed | US Citizen | $16,007.90 | 1 | [Redacted] | $2,477.16 | [Redacted] | $206.43 | 27.886% | 27.886% | 27.886% | [Redacted] | 657 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 32.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 32.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,140.00 | 6.260% | $0.00 | None | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $423,000.00 | 4.625% | 04/21/2017 | $336,465.57 | $2,174.81 | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224736665 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $2,615.00 | 8.055% | $582.44 | $582.44 | 7.750% | No | No | Self-Employed | US Citizen | $9,977.54 | 1 | [Redacted] | $3,315.00 | [Redacted] | $276.25 | 24.652% | 24.652% | 24.652% | [Redacted] | 709 | No | No | Borrower Prepared | [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%)]; 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 Transcript - 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 7.750% | 1 | 1 | 0 | 2 | 1 | 10.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $292,000.00 | 3.500% | 06/02/2005 | $313,320.58 | $905.30 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224737435 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $1,156.66 | 9.970% | $934.26 | $934.26 | 9.875% | No | No | Employed | US Citizen | $6,985.78 | 1 | [Redacted] | $5,051.04 | [Redacted] | $420.92 | 46.462% | 46.462% | 46.462% | [Redacted] | 689 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[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 | [Redacted] | 6.240% | $0.00 | 2.9 | None | No | No | 9.875% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $316,215.00 | 3.125% | 07/29/2020 | $229,904.00 | $1,633.35 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224737496 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,505.00 | 7.695% | $839.06 | $839.06 | 7.500% | No | No | Self-Employed | US Citizen | $2,817.64 | 1 | [Redacted] | $1,679.04 | [Redacted] | $139.92 | 49.402% | 49.402% | 49.402% | [Redacted] | 786 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - C-Corp]; Balance Sheet - 2025 [Borrower - | Primary Income - C-Corp]; CPA Letter - 2025 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2025 [Borrower - | Primary Income - C-Corp]; Paystubs - 2025 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 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 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2021 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 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 | [Redacted] | $1,890.00 | 6.230% | $0.00 | None | N/A | No | 7.500% | 1 | 1 | 0 | 2 | 1 | 10.97 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $255,000.00 | 4.000% | 09/21/2017 | $199,722.00 | $1,217.41 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224737789 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,189.54 | $3,082.66 | 8.634% | $600.55 | $600.55 | 8.250% | No | No | Employed | US Citizen | $3,630.81 | 1 | [Redacted] | $1,617.84 | [Redacted] | $134.82 | 48.964% | 48.964% | 48.964% | [Redacted] | 752 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,189.54 | 6.170% | $0.00 | 1.6 | None | No | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $261,900.00 | 3.375% | 01/20/2022 | $242,198.43 | $1,157.85 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224737811 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $3,321.82 | 8.137% | $849.95 | $849.95 | 7.875% | No | No | Employed | US Citizen | $14,745.98 | 1 | [Redacted] | $1,452.96 | [Redacted] | $121.08 | 25.437% | 25.437% | 25.437% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | [Redacted] | $1,490.00 | 6.190% | $0.00 | 1.9 | None | No | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $270,000.00 | 3.250% | 08/07/2021 | $246,777.00 | $1,175.06 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A99 | 12/06/2025 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224738774 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,032.17 | $1,597.10 | 9.025% | $858.50 | $858.50 | 8.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,916.43 | 1 | [Redacted] | $6,360.96 | [Redacted] | $530.08 | 42.344% | 42.344% | 42.344% | [Redacted] | 690 | 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]; Account Statements - 2024 [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 - | Non-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]; 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,032.17 | 6.260% | $0.00 | 2.1 | None | No | No | 8.875% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | No | [Redacted] | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $360,525.00 | 3.875% | 11/08/2019 | $318,884.01 | $1,695.32 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739423 | [Redacted] | [Redacted] | N/A | No | No | $472.42 | $472.42 | 9.750% | No | No | US Citizen | 2 | [Redacted] | $2,892.96 | [Redacted] | $241.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $371,450.00 | 4.500% | 07/10/2019 | $329,821.00 | $2,122.26 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739424 | [Redacted] | [Redacted] | N/A | No | No | $892.60 | $892.60 | 9.250% | No | No | US Citizen | 1 | [Redacted] | $459.00 | [Redacted] | $38.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.0 | No | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $220,000.00 | 3.125% | 12/03/2020 | $160,002.79 | $1,532.54 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739425 | [Redacted] | [Redacted] | N/A | No | No | $1,131.69 | $1,131.69 | 9.500% | No | No | US Citizen | 2 | [Redacted] | $1,512.00 | [Redacted] | $126.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.72 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $382,400.00 | 2.990% | 12/31/2020 | $341,649.95 | $1,610.15 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.15 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739565 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,222.50 | $4,609.10 | 8.527% | $1,250.86 | $1,250.86 | 8.250% | No | No | Self-Employed | US Citizen | $9,686.04 | 2 | [Redacted] | $2,174.40 | [Redacted] | $181.20 | 38.011% | 38.011% | 38.011% | [Redacted] | 761 | No | No | Borrower Prepared | [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 Transcript - 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 Transcript - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 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 - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 [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) - 2022 [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%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 [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%)]; 4506-C (for Business) - 2022 |
[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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,222.50 | 6.190% | $0.00 | None | N/A | No | 8.250% | 2 | 2 | 0 | 3 | 2 | 10.97 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $457,500.00 | 4.125% | 02/17/2022 | $431,380.71 | $2,217.27 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739698 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,330.00 | $3,556.48 | 9.048% | $1,750.42 | $1,750.42 | 8.875% | No | No | Employed | Employed | US Citizen | US Citizen | $11,420.83 | 1 | [Redacted] | $4,848.00 | [Redacted] | $404.00 | 40.999% | 40.999% | 40.999% | [Redacted] | 643 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [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 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,330.00 | 6.260% | $0.00 | None | N/A | No | 8.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $610,000.00 | 2.990% | 10/24/2020 | $543,444.02 | $2,568.50 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.51 | No | $0.00 | $7,424.60 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739702 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $10,690.00 | $12,660.36 | 8.121% | $3,625.35 | $3,625.35 | 7.875% | No | No | Employed | US Citizen | $34,176.21 | 1 | [Redacted] | $23,256.96 | [Redacted] | $1,938.08 | 45.193% | 45.193% | 45.193% | [Redacted] | 707 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 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 | [Redacted] | $10,690.00 | 6.190% | $0.00 | 5.0 | None | No | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,199,795.00 | 4.250% | 09/26/2016 | $965,753.00 | $5,902.27 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 140.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739708 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,740.00 | $6,124.53 | 8.045% | $1,432.82 | $1,432.82 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | Permanent Resident Alien | $15,290.50 | 1 | [Redacted] | $6,563.76 | [Redacted] | $546.98 | 31.323% | 31.323% | 31.323% | [Redacted] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,740.00 | 6.160% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $300,000.00 | 3.625% | 09/19/2005 | $97,487.93 | $1,165.08 | 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 | 47.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739710 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,299.00 | $3,596.16 | 9.070% | $761.51 | $761.51 | 8.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,533.14 | 1 | [Redacted] | $1,464.96 | [Redacted] | $122.08 | 23.793% | 23.793% | 23.793% | [Redacted] | 702 | No | Yes | 12 | Business | 100.000% | 55.000% | 45.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,299.00 | 5.940% | $0.00 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $164,500.00 | 2.750% | 10/10/2020 | $145,912.00 | $1,203.00 | 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 | $9,172.29 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224739904 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,240.00 | $4,777.28 | 9.008% | $2,209.28 | $2,209.28 | 8.750% | No | No | Self-Employed | US Citizen | $13,245.41 | 1 | [Redacted] | $4,034.04 | [Redacted] | $336.17 | 37.148% | 37.148% | 37.148% | [Redacted] | 670 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,240.00 | 5.890% | $0.00 | 1.0 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $548,250.00 | 2.875% | 02/05/2021 | $490,722.43 | $2,274.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224740042 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,793.75 | 9.305% | $734.18 | $734.18 | 8.875% | No | No | Employed | US Citizen | $4,695.82 | 1 | [Redacted] | $1,692.96 | [Redacted] | $141.08 | 43.595% | 43.595% | 43.595% | [Redacted] | 639 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2025 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 3 | 0 | 0 | [Redacted] | $1,590.00 | 5.910% | $0.00 | 1.5 | None | Yes | No | 8.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $320,869.00 | 3.125% | 10/08/2020 | $286,547.95 | $1,374.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224740064 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,195.00 | $3,458.48 | 7.980% | $2,418.19 | $2,418.19 | 7.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,906.01 | 1 | [Redacted] | $3,681.72 | [Redacted] | $306.81 | 45.048% | 45.048% | 45.048% | [Redacted] | 704 | 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 [Borrower - | Primary Income - Wages]; W-2 - 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,195.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.875% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $309,259.00 | 4.500% | 10/17/2014 | $271,497.01 | $1,296.79 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 10/26/2025 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224746322 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,915.00 | $2,191.88 | 8.345% | $362.53 | $362.53 | 7.875% | No | No | Non-Employment Income | US Citizen | $3,506.34 | 1 | [Redacted] | $1,532.76 | [Redacted] | $127.73 | 44.170% | 44.170% | 44.170% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 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) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,915.00 | 6.190% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $82,000.00 | 2.500% | 02/01/2021 | $56,944.65 | $546.77 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224758555 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,595.00 | $1,971.55 | 9.276% | $1,017.04 | $1,017.04 | 9.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,487.98 | 1 | [Redacted] | $1,394.04 | [Redacted] | $116.17 | 46.736% | 46.736% | 46.736% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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]; 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) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.220% | $0.00 | 1.0 | None | No | No | 9.125% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $201,000.00 | 2.500% | 05/11/2021 | $143,801.89 | $1,340.25 | 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 | $2,660.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224761013 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,259.92 | $2,976.12 | 7.744% | $1,140.70 | $1,140.70 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,861.97 | 1 | [Redacted] | $3,452.04 | [Redacted] | $287.67 | 30.267% | 30.267% | 30.267% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,259.92 | 5.690% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $315,000.00 | 2.625% | 09/29/2020 | $246,602.62 | $1,688.44 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224762490 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,893.04 | 7.547% | $648.07 | $648.07 | 7.250% | No | No | Employed | US Citizen | $3,370.04 | 1 | [Redacted] | $1,356.60 | [Redacted] | $113.05 | 44.656% | 44.656% | 44.656% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 6.220% | $0.00 | None | N/A | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $355,500.00 | 3.375% | 06/30/2021 | $298,418.00 | $1,571.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224765964 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,074.20 | $3,636.84 | 8.815% | $534.90 | $534.90 | 8.250% | No | No | Employed | US Citizen | $6,424.22 | 1 | [Redacted] | $903.00 | [Redacted] | $75.25 | 39.674% | 39.674% | 39.674% | [Redacted] | 659 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $3,074.20 | 6.220% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $215,000.00 | 2.990% | 12/04/2020 | $189,975.28 | $905.29 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224766199 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,876.50 | $3,404.27 | 10.373% | $720.73 | $720.73 | 9.875% | No | No | Employed | US Citizen | $3,504.11 | 2 | [Redacted] | $573.96 | [Redacted] | $47.83 | 41.516% | 41.516% | 41.516% | [Redacted] | 717 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 |
[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 | [Redacted] | $2,876.50 | 6.260% | $0.00 | None | No | No | 9.875% | 1 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $285,000.00 | 3.375% | 12/01/2021 | $262,831.28 | $1,259.97 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224771841 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,283.50 | $2,787.16 | 8.075% | $927.67 | $927.67 | 7.750% | No | No | Self-Employed | US Citizen | $41,611.96 | 1 | [Redacted] | $8,246.40 | [Redacted] | $687.20 | 19.171% | 19.171% | 19.171% | [Redacted] | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,283.50 | 5.910% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $540,000.00 | 3.125% | 07/26/2021 | $475,002.00 | $2,313.23 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224771842 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,368.00 | $4,780.08 | 7.823% | $1,076.79 | $1,076.79 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $37,087.25 | 1 | [Redacted] | $1,620.00 | [Redacted] | $135.00 | 32.503% | 32.503% | 32.503% | [Redacted] | 748 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $4,368.00 | 6.190% | $0.00 | 1.2 | None | Yes | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $326,500.00 | 2.250% | 08/05/2020 | $273,463.33 | $1,248.03 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.22 | No | No | $0.00 | $47,137.83 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224773438 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $2,529.63 | 8.393% | $1,055.30 | $1,055.30 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $7,797.63 | 1 | [Redacted] | $2,987.64 | [Redacted] | $248.97 | 43.222% | 43.222% | 43.222% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[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 | [Redacted] | $1,990.00 | 5.860% | $0.00 | None | N/A | No | 8.125% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $328,000.00 | 3.125% | 04/16/2020 | $272,856.49 | $1,576.82 | 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 | $0.00 | $9,012.87 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224773441 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,120.76 | $5,974.80 | 8.590% | $3,832.70 | $3,832.70 | 8.500% | No | No | Self-Employed | US Citizen | $16,674.75 | 1 | [Redacted] | $3,754.68 | [Redacted] | $312.89 | 44.448% | 44.448% | 44.448% | [Redacted] | 746 | Yes | Yes | 24 | Business | 98.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,120.76 | 6.190% | $0.00 | 1.2 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Other | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $623,000.00 | 3.250% | 04/27/2020 | $550,325.69 | $2,711.34 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224778100 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,989.70 | $6,309.09 | 8.604% | $3,843.80 | $3,843.80 | 8.500% | No | No | Self-Employed | US Citizen | $360,280.07 | 1 | [Redacted] | $2,271.00 | [Redacted] | $189.25 | 2.921% | 2.921% | 2.921% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,989.70 | 6.220% | $0.00 | 1.6 | None | No | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $1,000,000.00 | 2.875% | 01/07/2021 | $893,066.49 | $4,148.92 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224778103 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,080.75 | $2,452.03 | 8.341% | $395.16 | $395.16 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,150.15 | 1 | [Redacted] | $1,263.00 | [Redacted] | $105.25 | 31.918% | 31.918% | 31.918% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,080.75 | 6.190% | $0.00 | 1.5 | None | Yes | No | 7.875% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 18 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $163,557.00 | 3.000% | 11/05/2020 | $144,978.07 | $850.66 | 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 | No | $0.00 | $5,521.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224781631 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,558.00 | $3,835.26 | 8.144% | $740.77 | $740.77 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $10,185.07 | 1 | [Redacted] | $1,556.04 | [Redacted] | $129.67 | 22.755% | 22.755% | 22.755% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $3,558.00 | 6.220% | $0.00 | None | N/A | No | 7.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $137,700.00 | 3.125% | 07/09/2021 | $124,839.22 | $589.87 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.26 | No | $0.00 | $6,163.73 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224781632 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,124.26 | 8.208% | $1,856.24 | $1,856.24 | 8.125% | No | No | Self-Employed | US Citizen | $12,863.44 | 1 | [Redacted] | $32,085.84 | [Redacted] | $2,673.82 | 47.208% | 47.208% | 47.208% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.220% | $0.00 | None | N/A | No | 8.125% | 1 | 0 | 0 | 1 | 0 | No | [Redacted] | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $1,123,000.00 | 3.125% | 03/01/2022 | $1,037,296.69 | $4,810.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224781749 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,631.26 | $1,833.62 | 9.065% | $773.76 | $773.76 | 8.875% | No | No | Self-Employed | US Citizen | $36,402.10 | 1 | [Redacted] | $4,191.48 | [Redacted] | $349.29 | 35.232% | 35.232% | 35.232% | [Redacted] | 657 | No | Yes | 23 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,631.26 | 6.220% | $0.00 | 2.6 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $400,000.00 | 3.990% | 08/01/2021 | $368,650.18 | $1,907.36 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224790871 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,290.00 | $3,736.40 | 8.627% | $950.17 | $950.17 | 8.375% | No | No | Self-Employed | US Citizen | $8,665.09 | 1 | [Redacted] | $1,788.00 | [Redacted] | $149.00 | 43.606% | 43.606% | 43.606% | [Redacted] | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,290.00 | 6.170% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $184,510.00 | 3.250% | 10/19/2012 | $116,331.95 | $803.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224790872 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $935.55 | 7.795% | $1,919.98 | $1,919.98 | 7.750% | No | No | Non-Employment Income | US Citizen | $6,477.48 | 1 | [Redacted] | $1,287.96 | [Redacted] | $107.33 | 49.959% | 49.959% | 49.959% | [Redacted] | 800 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 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 | [Redacted] | $1,490.00 | 6.220% | $0.00 | 3.4 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $691,500.00 | 3.625% | 03/25/2021 | $626,644.24 | $3,153.59 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224825441 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,493.75 | $6,149.06 | 8.442% | $2,516.74 | $2,516.74 | 8.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Pakistan | $50,049.46 | 1 | [Redacted] | $2,157.00 | [Redacted] | $179.75 | 14.386% | 14.386% | 14.386% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,493.75 | 6.220% | $0.00 | 1.0 | None | No | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $314,000.00 | 2.625% | 09/14/2020 | $276,566.00 | $1,261.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 58.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224852684 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,641.69 | $4,007.13 | 9.556% | $1,857.69 | $1,857.69 | 9.375% | No | No | Self-Employed | Employed | US Citizen | Permanent Resident Alien | $22,295.34 | 1 | [Redacted] | $1,353.00 | [Redacted] | $112.75 | 34.369% | 34.369% | 34.369% | [Redacted] | 715 | No | Yes | 24 | Business | 100.000% | 70.000% | 30.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2016 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2016 |
[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 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,641.69 | 6.220% | $0.00 | None | No | No | 9.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $430,148.00 | 3.500% | 03/29/2019 | $365,403.00 | $1,931.56 | 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 | 41.25 | No | No | $10,191.26 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224852686 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $14,190.00 | $17,399.50 | 8.189% | $3,625.35 | $3,625.35 | 7.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $50,263.14 | 1 | [Redacted] | $209.04 | [Redacted] | $17.42 | 40.734% | 40.734% | 40.734% | [Redacted] | 778 | No | Yes | 12 | Business | 82.000% | 100.000% | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,190.00 | 6.260% | $0.00 | 2.0 | None | No | No | 7.875% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $378,000.00 | 3.375% | 11/06/2020 | $339,755.39 | $1,671.12 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73 | No | No | $69,467.31 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224853707 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $12,295.98 | $14,409.73 | 8.338% | $2,166.22 | $2,166.22 | 7.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $49,965.30 | 1 | [Redacted] | $246.96 | [Redacted] | $20.58 | 41.085% | 41.085% | 41.085% | [Redacted] | 778 | No | Yes | 12 | Business | 82.000% | 100.000% | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,295.98 | 6.260% | $0.00 | 1.1 | None | No | No | 7.875% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $300,000.00 | 3.625% | 11/30/2020 | $270,684.48 | $1,368.15 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.1 | No | No | $69,467.31 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224854054 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $10,127.25 | $11,870.75 | 8.323% | $1,834.43 | $1,834.43 | 7.875% | No | No | Self-Employed | US Citizen | $32,546.63 | 1 | [Redacted] | $3,515.04 | [Redacted] | $292.92 | 28.448% | 28.448% | 28.448% | [Redacted] | 774 | No | Yes | 24 | Business | 100.000% | 100.000% | Audited | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Audited P&L - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Audited P&L - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,127.25 | 6.190% | $0.00 | 4.5 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 12.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $142,373.00 | 4.250% | 07/10/2013 | $84,285.23 | $700.39 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224854059 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,016.89 | 7.774% | $524.41 | $524.41 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,970.87 | 1 | [Redacted] | $1,566.00 | [Redacted] | $130.50 | 40.291% | 40.291% | 40.291% | [Redacted] | 819 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,590.00 | 6.270% | $0.00 | None | N/A | No | 7.500% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $231,200.00 | 2.250% | 01/06/2021 | $144,230.09 | $1,514.56 | 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 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224854455 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,224.73 | $5,121.62 | 9.883% | $978.21 | $978.21 | 9.375% | No | No | Self-Employed | US Citizen | $5,673.07 | 1 | [Redacted] | $1,271.04 | [Redacted] | $105.92 | 46.372% | 46.372% | 46.372% | [Redacted] | 792 | No | No | Borrower Prepared | [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%)]; 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 - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2015 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,224.73 | 6.270% | $0.00 | 1.0 | None | Yes | No | 9.375% | 1 | 1 | 0 | 2 | 1 | 10.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $539,750.00 | 6.750% | 08/31/2022 | $520,694.65 | $3,500.81 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224854512 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $551.15 | 8.047% | $474.22 | $474.22 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,314.86 | 1 | [Redacted] | $3,240.00 | [Redacted] | $270.00 | 28.354% | 28.354% | 28.354% | [Redacted] | 712 | No | No | [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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | 5.690% | $0.00 | 3.4 | None | Yes | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $153,745.00 | 4.375% | 04/22/2019 | $133,922.30 | $767.63 | 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 | $0.00 | $8,666.69 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224869816 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,016.00 | $5,098.98 | 8.702% | $2,083.76 | $2,083.76 | 8.500% | No | No | Self-Employed | US Citizen | $25,978.23 | 1 | [Redacted] | $1,865.04 | [Redacted] | $155.42 | 40.323% | 40.323% | 40.323% | [Redacted] | 804 | No | Yes | 12 | Business | 80.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Wages]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,016.00 | 6.250% | $0.00 | 3.5 | None | No | No | 8.500% | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $516,000.00 | 3.500% | 08/23/2021 | $477,835.82 | $2,317.07 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.83 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224880503 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,127.50 | $3,511.45 | 8.499% | $939.08 | $939.08 | 8.250% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $7,309.60 | 1 | [Redacted] | $3,413.04 | [Redacted] | $284.42 | 41.229% | 41.229% | 41.229% | [Redacted] | 698 | 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 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 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 | [Redacted] | $2,127.50 | 6.270% | $0.00 | 2.2 | None | No | No | 8.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $510,000.00 | 5.000% | 04/08/2022 | $481,937.17 | $2,737.79 | 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 | $1,637.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224913837 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,576.60 | 8.847% | $785.57 | $785.57 | 8.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,745.65 | 1 | [Redacted] | $1,269.96 | [Redacted] | $105.83 | 47.331% | 47.331% | 47.331% | [Redacted] | 723 | No | Yes | 12 | Business | 78.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.13000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.13000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.13000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.13000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2008 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 32.13000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2008 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.220% | $0.00 | None | N/A | No | 8.625% | 2 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | 35 | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $440,000.00 | 3.375% | 04/06/2021 | $400,431.10 | $1,945.22 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.43 | No | $0.00 | $1,481.97 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224913960 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $6,074.94 | $7,895.87 | 9.061% | $3,741.52 | $3,741.52 | 8.875% | No | No | Self-Employed | US Citizen | $35,139.88 | 1 | [Redacted] | $1,307.04 | [Redacted] | $108.92 | 37.941% | 37.941% | 37.941% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,074.94 | 6.270% | $0.00 | 5.0 | None | No | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $367,200.00 | 08/30/2019 | $349,602.00 | $1,664.66 | No | Individual | No | No | FICO II | Beacon 5.0 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224914122 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,322.60 | 7.931% | $400.59 | $400.59 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $8,542.06 | 1 | [Redacted] | $2,156.04 | [Redacted] | $179.67 | 22.195% | 22.195% | 22.195% | [Redacted] | 765 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,990.00 | 6.250% | $0.00 | None | N/A | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 34 | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $270,000.00 | 3.875% | 03/01/2022 | $251,683.87 | $1,280.60 | 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 | $0.00 | $7,152.89 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224914131 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,705.65 | $3,600.65 | 10.561% | $503.96 | $503.96 | 9.875% | No | No | Self-Employed | US Citizen | $6,663.87 | 3 | [Redacted] | $3,100.56 | [Redacted] | $258.38 | 47.906% | 47.906% | 47.906% | [Redacted] | 697 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $2,705.65 | 6.250% | $0.00 | None | No | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $795,000.00 | 4.750% | 10/26/2021 | $748,213.83 | $4,147.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224914651 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $6,216.25 | $8,143.28 | 9.057% | $3,938.44 | $3,938.44 | 8.875% | No | No | Self-Employed | US Citizen | $34,042.85 | 1 | [Redacted] | $1,257.96 | [Redacted] | $104.83 | 39.879% | 39.879% | 39.879% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,216.25 | 6.270% | $0.00 | 5.0 | None | No | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $412,500.00 | 10/25/2021 | $379,331.00 | $1,795.23 | No | Individual | No | No | FICO II | Beacon 5.0 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224917754 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,612.00 | $3,387.80 | 10.590% | $914.02 | $914.02 | 10.250% | No | No | Self-Employed | US Citizen | $15,475.62 | 1 | [Redacted] | $3,024.00 | [Redacted] | $252.00 | 32.774% | 32.774% | 32.774% | [Redacted] | 653 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,612.00 | 6.220% | $0.00 | 2.9 | None | No | No | 10.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $294,566.00 | 2.750% | 06/12/2020 | $250,630.18 | $1,202.54 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224925814 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,250.00 | $3,641.41 | 8.401% | $543.80 | $543.80 | 7.875% | No | No | Self-Employed | US Citizen | $12,751.01 | 1 | [Redacted] | $6,967.32 | [Redacted] | $580.61 | 48.657% | 48.657% | 48.657% | [Redacted] | 668 | No | No | Borrower Prepared | [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%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 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]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 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 | [Redacted] | $3,250.00 | 6.250% | $0.00 | 1.6 | None | No | No | 7.875% | 2 | 1 | 0 | 2 | 1 | 22.97 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $510,000.00 | 3.375% | 07/08/2021 | $460,421.99 | $2,420.44 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224926115 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $2,605.00 | $3,147.80 | 9.856% | $460.70 | $460.70 | 9.250% | No | No | Employed | Employed | US Citizen | US Citizen | $8,452.04 | 1 | [Redacted] | $4,257.00 | [Redacted] | $354.75 | 36.660% | 36.660% | 36.660% | [Redacted] | 692 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 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 | [Redacted] | $2,605.00 | 6.180% | $0.00 | 2.5 | None | Yes | No | 9.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 15 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $316,925.00 | 2.250% | 12/23/2020 | $278,457.98 | $1,211.43 | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $7,094.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224931370 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,696.25 | $3,437.70 | 9.028% | $576.69 | $576.69 | 8.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,627.96 | 1 | [Redacted] | $1,052.04 | [Redacted] | $87.67 | 42.244% | 42.244% | 42.244% | [Redacted] | 668 | No | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,696.25 | 6.270% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $197,654.00 | 2.750% | 07/27/2020 | $173,694.39 | $806.91 | 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 | $2,539.79 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224931512 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,235.05 | 9.072% | $767.03 | $767.03 | 8.750% | No | No | Employed | US Citizen | $6,860.41 | 1 | [Redacted] | $1,728.00 | [Redacted] | $144.00 | 38.657% | 38.657% | 38.657% | [Redacted] | 695 | 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,690.00 | 6.270% | $0.00 | 1.0 | None | Yes | No | 8.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $416,000.00 | 2.990% | 11/23/2020 | $362,517.85 | $1,751.63 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224933376 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,842.79 | $4,235.09 | 9.830% | $805.47 | $805.47 | 9.375% | No | No | Employed | Employed | US Citizen | US Citizen | $13,288.25 | 1 | [Redacted] | $1,074.96 | [Redacted] | $89.58 | 47.536% | 47.536% | 47.536% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 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]; 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,842.79 | 6.160% | $0.00 | None | N/A | No | 9.375% | 2 | 1 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | 26 | 17 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $576,382.00 | 2.250% | 08/26/2020 | $501,393.91 | $2,203.20 | 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 | No | ($1,517.17) | $9,829.57 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224933461 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,290.00 | $4,294.27 | 7.585% | $2,461.24 | $2,461.24 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $35,631.13 | 1 | [Redacted] | $5,031.96 | [Redacted] | $419.33 | 18.353% | 18.353% | 18.353% | [Redacted] | 792 | No | No | Borrower Prepared | [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%)]; Third Party Verification - 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%)]; 1120S - 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 [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 | [Redacted] | $2,290.00 | 6.250% | $0.00 | 4.0 | None | No | No | 7.500% | 2 | 0 | 2 | 0 | 3 | 2 | 11.90 | No | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $314,000.00 | 2.500% | 01/11/2021 | $276,566.32 | $1,240.68 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224934799 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,715.00 | $4,546.51 | 8.579% | $742.50 | $742.50 | 8.125% | No | No | Self-Employed | US Citizen | $4,299.70 | 1 | [Redacted] | $2,600.04 | [Redacted] | $216.67 | 46.380% | 46.380% | 46.380% | [Redacted] | 716 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,715.00 | 6.270% | $0.00 | 1.0 | None | No | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $289,656.00 | 3.875% | 05/18/2017 | $226,145.65 | $1,362.07 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224943006 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,190.00 | $3,792.46 | 8.924% | $954.61 | $954.61 | 8.500% | No | No | Employed | US Citizen | $7,110.21 | 1 | [Redacted] | $2,183.04 | [Redacted] | $181.92 | 31.936% | 31.936% | 31.936% | [Redacted] | 652 | 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]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,190.00 | 5.940% | $0.00 | None | N/A | No | 8.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $343,660.00 | 4.625% | 05/30/2018 | $296,799.30 | $1,766.89 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224943022 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,545.00 | $3,362.12 | 9.695% | $873.34 | $873.34 | 9.375% | No | No | Employed | Employed | US Citizen | US Citizen | $5,056.12 | 1 | [Redacted] | $2,016.96 | [Redacted] | $168.08 | 48.936% | 48.936% | 48.936% | [Redacted] | 647 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | 0 | 0 | 0 | [Redacted] | $2,545.00 | 6.270% | $0.00 | 3.3 | None | No | No | 9.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 23 | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $400,000.00 | 6.075% | 12/09/2024 | $395,984.17 | $2,417.52 | 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 | $0.00 | $4,591.19 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224943027 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,930.84 | 8.917% | $2,856.76 | $2,856.76 | 8.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $1,682,758.93 | 1 | [Redacted] | $29,220.00 | [Redacted] | $2,435.00 | 2.042% | 2.042% | 2.042% | [Redacted] | 744 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.250% | $0.00 | 5.0 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $3,500,000.00 | 7.125% | 11/18/2025 | $3,500,000.00 | $23,580.15 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.78 | No | No | $858,915.56 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224943135 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,548.75 | $6,482.09 | 8.666% | $2,325.96 | $2,325.96 | 8.500% | No | No | Self-Employed | US Citizen | $26,788.90 | 1 | [Redacted] | $1,839.96 | [Redacted] | $153.33 | 38.589% | 38.589% | 38.589% | [Redacted] | 804 | No | Yes | 12 | Business | 80.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Wages]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; VVOE - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,548.75 | 6.250% | $0.00 | 2.4 | None | Yes | No | 8.500% | 1 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $535,500.00 | 3.000% | 09/21/2020 | $480,336.83 | $2,257.69 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.43 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224943154 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,942.84 | $3,101.24 | 9.281% | $825.25 | $825.25 | 8.875% | No | No | Employed | US Citizen | $5,521.02 | 1 | [Redacted] | $2,352.00 | [Redacted] | $196.00 | 39.318% | 39.318% | 39.318% | [Redacted] | 770 | 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 - | Non-Primary Income - Pension]; Account Statements - 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 | [Redacted] | $1,942.84 | 5.860% | $0.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 29.390% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $222,286.00 | 2.750% | 01/12/2026 | $222,286.00 | $1,040.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224944934 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,845.00 | $2,524.73 | 7.847% | $345.34 | $345.34 | 7.375% | No | No | Non-Employment Income | US Citizen | $1,930.37 | 1 | [Redacted] | $1,896.00 | [Redacted] | $158.00 | 46.992% | 46.992% | 46.992% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; Other - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2023 |
[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 | [Redacted] | $1,845.00 | 6.190% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $243,500.00 | 5.375% | 06/27/2003 | $118,104.83 | $614.77 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224945290 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $392.74 | 8.524% | $1,973.03 | $1,973.03 | 8.500% | No | No | Self-Employed | US Citizen | $38,508.34 | 1 | [Redacted] | $5,694.36 | [Redacted] | $474.53 | 41.211% | 41.211% | 41.211% | [Redacted] | 771 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 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 - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [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 | [Redacted] | $1,790.00 | 6.270% | $0.00 | 4.6 | None | No | No | 8.500% | 0 | 2 | 0 | 3 | 1 | 9.97 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $2,181,970.00 | 7.250% | 07/29/2025 | $2,178,555.43 | $14,144.42 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.09 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224949897 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,500.00 | $5,351.60 | 8.352% | $4,850.70 | $4,850.70 | 8.250% | No | No | Self-Employed | US Citizen | $42,912.97 | 1 | [Redacted] | $4,578.96 | [Redacted] | $381.58 | 30.675% | 30.675% | 30.675% | [Redacted] | 730 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,500.00 | 5.690% | $0.00 | 3.6 | None | No | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $2,297,750.00 | 4.250% | 06/11/2007 | $1,903,848.48 | $10,387.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224949965 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,045.00 | $4,796.56 | 7.807% | $3,582.06 | $3,582.06 | 7.750% | No | No | Self-Employed | US Citizen | $10,023.09 | 1 | [Redacted] | $3,818.04 | [Redacted] | $318.17 | 48.171% | 48.171% | 48.171% | [Redacted] | 755 | Yes | Yes | 12 | Business | 91.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,045.00 | 6.220% | $0.00 | 4.6 | None | Yes | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $438,500.00 | 1.990% | 09/07/2021 | $329,468.70 | $2,819.77 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224988607 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $0.00 | $1,139.96 | 7.929% | $870.08 | $870.08 | 7.875% | No | No | Employed | US Citizen | $5,679.96 | 1 | [Redacted] | $2,982.00 | [Redacted] | $248.50 | 43.434% | 43.434% | 43.434% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.250% | $0.00 | 1.6 | None | Yes | No | 7.875% | 1 | 2 | 0 | 2 | 1 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $451,500.00 | 2.750% | 08/26/2020 | $397,691.00 | $1,843.21 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224988706 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,981.08 | $3,303.04 | 8.731% | $736.52 | $736.52 | 8.250% | No | No | Employed | US Citizen | $8,035.59 | 1 | [Redacted] | $3,288.00 | [Redacted] | $274.00 | 44.904% | 44.904% | 44.904% | [Redacted] | 652 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,981.08 | 5.860% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $510,000.00 | 3.250% | 05/17/2021 | $457,460.58 | $2,416.79 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224988707 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,633.25 | $4,388.09 | 8.880% | $2,116.22 | $2,116.22 | 8.750% | No | No | Self-Employed | US Citizen | $91,125.77 | 1 | [Redacted] | $1,481.04 | [Redacted] | $123.42 | 7.959% | 7.959% | 7.959% | [Redacted] | 744 | No | Yes | 12 | Business | 100.000% | 87.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 87.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 87.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 87.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,633.25 | 6.250% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $508,000.00 | 2.875% | 11/01/2020 | $450,608.00 | $2,107.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224989190 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,400.00 | $2,254.48 | 8.816% | $538.24 | $538.24 | 8.500% | No | No | Self-Employed | Permanent Resident Alien | $8,553.47 | 1 | [Redacted] | $2,556.00 | [Redacted] | $213.00 | 31.921% | 31.921% | 31.921% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,400.00 | 6.190% | $0.00 | 1.0 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $393,900.00 | 3.250% | 07/01/2021 | $358,541.19 | $1,714.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 24.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224989200 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $3,017.50 | 8.479% | $901.52 | $901.52 | 8.250% | No | No | Employed | US Citizen | $5,038.65 | 1 | [Redacted] | $2,970.12 | [Redacted] | $247.51 | 43.678% | 43.678% | 43.678% | [Redacted] | 693 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,790.00 | 6.250% | $0.00 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $453,000.00 | 3.875% | 02/23/2016 | $360,052.00 | $2,130.17 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224997955 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,728.42 | $6,817.30 | 9.415% | $2,950.74 | $2,950.74 | 9.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $48,242.12 | 1 | [Redacted] | $12,470.04 | [Redacted] | $1,039.17 | 29.982% | 29.982% | 29.982% | [Redacted] | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,728.42 | 6.160% | $0.00 | 4.4 | None | No | No | 9.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individually and as Trustee | 1 | $1,773,500.00 | 7.125% | 09/16/2022 | $1,764,863.22 | $11,948.40 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.62 | No | $68,899.11 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224999792 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,095.00 | $3,340.75 | 7.569% | $1,070.55 | $1,070.55 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $10,774.72 | 1 | [Redacted] | $975.96 | [Redacted] | $81.33 | 24.528% | 24.528% | 24.528% | [Redacted] | 813 | 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 - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [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]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[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 | [Redacted] | $2,095.00 | 6.270% | $0.00 | 1.0 | None | Yes | No | 7.375% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $282,000.00 | 3.250% | 04/06/2021 | $226,625.35 | $1,599.49 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $7,624.76 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225001431 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,090.00 | $3,896.68 | 8.075% | $2,935.06 | $2,935.06 | 8.000% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $8,831.12 | 1 | [Redacted] | $3,728.04 | [Redacted] | $310.67 | 45.895% | 45.895% | 45.895% | [Redacted] | 814 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.270% | $0.00 | 1.2 | None | Yes | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $495,000.00 | 2.990% | 11/13/2020 | $409,188.12 | $2,084.27 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 58.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225003607 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,385.00 | $5,566.30 | 8.121% | $1,595.15 | $1,595.15 | 7.875% | No | No | Employed | US Citizen | $6,739.47 | 1 | [Redacted] | $2,616.96 | [Redacted] | $218.08 | 40.514% | 40.514% | 40.514% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $4,385.00 | 6.250% | $0.00 | 2.5 | None | N/A | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $398,130.00 | 2.507% | 08/23/2021 | $357,655.23 | $1,574.55 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225003608 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,970.00 | $2,844.30 | 8.966% | $1,040.00 | $1,040.00 | 8.750% | No | No | Self-Employed | US Citizen | $83,438.57 | 1 | [Redacted] | $3,918.60 | [Redacted] | $326.55 | 13.284% | 13.284% | 13.284% | [Redacted] | 755 | No | Yes | 12 | Business | 100.000% | 37.500% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 37.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 37.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 37.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 37.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,970.00 | 6.250% | $0.00 | None | N/A | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $907,281.00 | 6.375% | 06/09/2025 | $903,034.53 | $5,660.25 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225003614 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $895.00 | $1,684.40 | 8.213% | $362.53 | $362.53 | 7.875% | No | No | Non-Employment Income | US Citizen | $1,665.43 | 1 | [Redacted] | $1,142.52 | [Redacted] | $95.21 | 43.032% | 43.032% | 43.032% | [Redacted] | 718 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $895.00 | 6.180% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $82,500.00 | 3.500% | 04/01/2021 | $74,766.03 | $370.47 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 03/01/2026 | $1,101,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225003967 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,457.50 | $7,568.04 | 8.170% | $1,812.67 | $1,812.67 | 7.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $5,195.20 | 1 | [Redacted] | $1,215.00 | [Redacted] | $101.25 | 47.993% | 47.993% | 47.993% | [Redacted] | 752 | No | Yes | 12 | Personal | 31.000% | [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]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2012 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,457.50 | 6.240% | $0.00 | None | N/A | No | 7.875% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $630,000.00 | 2.990% | 09/17/2021 | $574,854.51 | $2,652.71 | 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 | 0.31 | No | $3,072.75 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225003985 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $3,120.85 | 8.121% | $1,687.66 | $1,687.66 | 8.000% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $11,948.15 | 1 | [Redacted] | $11,842.80 | [Redacted] | $986.90 | 39.440% | 39.440% | 39.440% | [Redacted] | 729 | No | Yes | 12 | Business | 64.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.250% | $0.00 | 2.5 | None | No | No | 8.000% | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $479,854.00 | 2.750% | 06/05/2020 | $409,700.20 | $1,958.96 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.44 | No | No | $3,607.80 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225005774 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $7,627.38 | $10,423.50 | 9.623% | $2,462.84 | $2,462.84 | 9.250% | No | No | Self-Employed | US Citizen | $133,024.05 | 1 | [Redacted] | $1,772.04 | [Redacted] | $147.67 | 24.687% | 24.687% | 24.687% | [Redacted] | 752 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2008 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,627.38 | 6.170% | $0.00 | 1.1 | None | Yes | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $504,000.00 | 3.750% | 11/24/2021 | $465,633.50 | $2,334.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.4 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225010404 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,932.51 | $4,868.59 | 7.718% | $966.95 | $966.95 | 7.375% | No | No | Employed | US Citizen | $5,235.21 | 1 | [Redacted] | $2,923.56 | [Redacted] | $243.63 | 49.975% | 49.975% | 49.975% | [Redacted] | 655 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 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 | [Redacted] | $3,932.51 | 6.270% | $0.00 | 1.0 | None | Yes | No | 7.375% | 1 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 17 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $510,400.00 | 2.750% | 10/02/2020 | $452,729.42 | $2,083.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225010432 | [Redacted] | [Redacted] | N/A | No | No | $1,319.33 | $1,319.33 | 10.250% | No | No | US Citizen | 1 | [Redacted] | $1,827.00 | [Redacted] | $152.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 638 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 10.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $331,381.00 | 4.750% | 02/01/2011 | $225,600.48 | $1,728.64 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225012142 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,816.25 | $2,359.55 | 7.962% | $707.53 | $707.53 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,306.22 | 1 | [Redacted] | $2,742.00 | [Redacted] | $228.50 | 49.215% | 49.215% | 49.215% | [Redacted] | 763 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 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]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,816.25 | 5.890% | $0.00 | 2.1 | None | Yes | No | 7.625% | 0 | 2 | 2 | 0 | 2 | 2 | 11.00 | No | [Redacted] | No | 34 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $418,744.00 | 3.875% | 12/20/2017 | $351,119.01 | $1,969.09 | 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 | $0.00 | $4,068.14 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225014538 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,011.01 | $2,444.15 | 10.162% | $364.63 | $364.63 | 9.500% | No | No | Employed | US Citizen | $2,581.11 | 1 | [Redacted] | $1,389.96 | [Redacted] | $115.83 | 44.012% | 44.012% | 44.012% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 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 | [Redacted] | $2,011.01 | 6.180% | $0.00 | None | N/A | No | 9.500% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $240,000.00 | 3.125% | 06/23/2021 | $218,044.72 | $1,028.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225017127 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,186.57 | $7,005.14 | 7.970% | $2,282.90 | $2,282.90 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $10,885.40 | 1 | [Redacted] | $2,562.96 | [Redacted] | $213.58 | 39.401% | 39.401% | 39.401% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $3,186.57 | 6.250% | $0.00 | 1.0 | None | No | No | 7.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | 11 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $678,836.00 | 5.375% | 07/22/2022 | $645,594.36 | $3,801.29 | 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 | $0.00 | $10,000.01 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225023320 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,079.94 | $4,403.04 | 9.142% | $1,399.14 | $1,399.14 | 8.875% | No | No | Self-Employed | US Citizen | $29,513.15 | 1 | [Redacted] | $4,380.00 | [Redacted] | $365.00 | 23.199% | 23.199% | 23.199% | [Redacted] | 685 | No | Yes | 24 | Business | 100.000% | 70.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,079.94 | 6.260% | $0.00 | 1.4 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $446,500.00 | 3.375% | 08/28/2019 | $386,291.29 | $1,973.96 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225025771 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,352.86 | $4,127.22 | 9.193% | $1,845.48 | $1,845.48 | 9.000% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $8,519.28 | 1 | [Redacted] | $2,619.00 | [Redacted] | $218.25 | 42.778% | 42.778% | 42.778% | [Redacted] | 682 | No | Yes | 24 | Personal, Business | 93.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 2 | 0 | 0 | [Redacted] | $3,352.86 | 6.260% | $0.00 | 1.0 | None | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 11.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $563,400.00 | 2.875% | 11/18/2020 | $501,892.46 | $2,337.50 | 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 | $1,112.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225031871 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $1,761.04 | 7.315% | $900.24 | $900.24 | 7.125% | No | No | Not Employed | Employed | US Citizen | US Citizen | $15,980.42 | 1 | [Redacted] | $1,214.04 | [Redacted] | $101.17 | 26.056% | 26.056% | 26.056% | [Redacted] | 754 | 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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,390.00 | 5.880% | $0.00 | None | N/A | No | 7.125% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $298,000.00 | 2.250% | 01/22/2021 | $176,589.16 | $1,952.15 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | No | $0.00 | $21,611.64 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225032164 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,412.50 | $4,833.40 | 8.513% | $1,363.55 | $1,363.55 | 8.250% | No | No | Self-Employed | US Citizen | $22,488.30 | 1 | [Redacted] | $2,424.00 | [Redacted] | $202.00 | 32.537% | 32.537% | 32.537% | [Redacted] | 735 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,412.50 | 6.250% | $0.00 | 3.9 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | Yes | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $804,000.00 | 8.625% | 05/23/2024 | $794,913.21 | $5,363.82 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225032310 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,267.45 | $4,359.25 | 9.243% | $3,104.01 | $3,104.01 | 9.125% | No | No | Self-Employed | US Citizen | $32,002.66 | 1 | [Redacted] | $2,130.00 | [Redacted] | $177.50 | 43.482% | 43.482% | 43.482% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,267.45 | 6.250% | $0.00 | 5.0 | None | No | No | 9.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $452,000.00 | 4.375% | 02/15/2022 | $424,420.00 | $2,256.77 | No | Individual | No | No | FICO II | Beacon 5.0 | 56.63 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225033068 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,101.00 | $3,932.12 | 8.632% | $828.65 | $828.65 | 8.250% | No | No | Self-Employed | US Citizen | $10,812.33 | 1 | [Redacted] | $7,167.36 | [Redacted] | $597.28 | 40.905% | 40.905% | 40.905% | [Redacted] | 640 | No | No | Borrower Prepared | [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%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2025 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2020 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2020 |
[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 | 1 | 0 | 0 | [Redacted] | $3,101.00 | 6.180% | $0.00 | 1.7 | None | No | No | 8.250% | 0 | 2 | 0 | 2 | 0 | 10.97 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $337,769.00 | 3.125% | 12/27/2016 | $331,365.00 | $1,555.88 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225033415 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,570.71 | $2,355.83 | 7.669% | $557.43 | $557.43 | 7.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,881.91 | 1 | [Redacted] | $1,665.36 | [Redacted] | $138.78 | 27.143% | 27.143% | 27.143% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 | [Redacted] | $1,570.71 | 6.170% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | 1 | $219,038.00 | 2.250% | 05/19/2021 | $195,292.00 | $837.26 | 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 | $6,729.72 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225033495 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $3,238.06 | 8.717% | $760.07 | $760.07 | 8.375% | No | No | Self-Employed | US Citizen | $6,565.67 | 1 | [Redacted] | $2,669.04 | [Redacted] | $222.42 | 47.365% | 47.365% | 47.365% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.170% | $0.00 | 3.3 | None | No | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $290,000.00 | 2.875% | 10/07/2021 | $261,116.00 | $1,203.19 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225039564 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,095.00 | $4,015.26 | 7.854% | $1,274.03 | $1,274.03 | 7.625% | No | No | Employed | US Citizen | $16,283.89 | 1 | [Redacted] | $1,434.96 | [Redacted] | $119.58 | 31.061% | 31.061% | 31.061% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [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 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,095.00 | 6.170% | $0.00 | 1.0 | None | Yes | No | 7.625% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $659,000.00 | 2.875% | 07/19/2021 | $591,699.00 | $2,734.14 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225041587 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $7,685.00 | $8,315.14 | 8.844% | $2,037.62 | $2,037.62 | 8.500% | No | No | Self-Employed | US Citizen | $9,929.06 | 1 | [Redacted] | $10,999.80 | [Redacted] | $916.65 | 44.295% | 44.295% | 44.295% | [Redacted] | 664 | No | Yes | 12 | Business | 93.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,685.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $635,700.00 | 4.375% | 05/03/2022 | $573,410.42 | $3,173.96 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.81 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225041588 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,942.13 | $2,525.21 | 7.153% | $1,616.50 | $1,616.50 | 7.000% | No | No | Self-Employed | US Citizen | $13,943.63 | 1 | [Redacted] | $4,632.72 | [Redacted] | $386.06 | 48.748% | 48.748% | 48.748% | [Redacted] | 785 | No | No | Borrower Prepared | [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%)]; 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%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[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 | [Redacted] | $1,942.13 | 5.960% | $0.00 | 2.4 | None | Yes | No | 7.000% | 1 | 1 | 0 | 2 | 1 | 12.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $1,075,000.00 | 5.750% | 09/08/2025 | $1,065,278.85 | $8,926.91 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225041591 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,300.00 | $1,636.55 | 7.526% | $718.30 | $718.30 | 7.375% | No | No | Self-Employed | US Citizen | $7,525.54 | 1 | [Redacted] | $3,702.96 | [Redacted] | $308.58 | 45.639% | 45.639% | 45.639% | [Redacted] | 764 | Yes | No | Borrower Prepared | [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 - 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%)]; 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 - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | [Redacted] | $1,300.00 | 6.190% | $0.00 | 2.2 | None | Yes | No | 7.375% | 1 | 2 | 0 | 2 | 2 | 12.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $398,900.00 | 2.500% | 09/01/2020 | $350,488.28 | $1,576.14 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.3 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225041595 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $2,961.76 | 7.218% | $2,021.16 | $2,021.16 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $36,207.06 | 1 | [Redacted] | $4,195.56 | [Redacted] | $349.63 | 18.414% | 18.414% | 18.414% | [Redacted] | 756 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 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 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.060% | $0.00 | 1.3 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $955,000.00 | 2.875% | 01/21/2022 | $867,487.00 | $3,962.22 | 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 | $44,378.90 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225044018 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $5,295.00 | $5,979.56 | 8.665% | $1,164.46 | $1,164.46 | 8.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,102.80 | 1 | [Redacted] | $1,347.00 | [Redacted] | $112.25 | 49.468% | 49.468% | 49.468% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $5,295.00 | 6.170% | $0.00 | 2.5 | None | No | No | 8.250% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $465,500.00 | 2.250% | 08/13/2021 | $416,144.77 | $1,779.36 | 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 | No | $5,251.69 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225044879 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,195.00 | $2,385.94 | 8.592% | $2,018.40 | $2,018.40 | 8.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $100,887.82 | 1 | [Redacted] | $8,130.72 | [Redacted] | $677.56 | 21.286% | 21.286% | 21.286% | [Redacted] | 741 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 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 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,195.00 | 6.170% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 9.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,968,750.00 | 8.000% | 01/28/2026 | $1,968,750.00 | $14,445.99 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225051040 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,763.76 | $3,235.39 | 9.563% | $1,608.93 | $1,608.93 | 9.375% | No | No | Self-Employed | US Citizen | $17,986.68 | 1 | [Redacted] | $3,174.48 | [Redacted] | $264.54 | 49.021% | 49.021% | 49.021% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,763.76 | 6.140% | $0.00 | 3.7 | None | Yes | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $728,000.00 | 3.500% | 11/22/2021 | $669,061.00 | $3,269.05 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225051085 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,595.00 | $2,476.89 | 8.048% | $3,668.82 | $3,668.82 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $16,569.40 | 1 | [Redacted] | $8,267.04 | [Redacted] | $688.92 | 41.329% | 41.329% | 41.329% | [Redacted] | 706 | 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]; Leave and Earnings Statement (LES) - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; 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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.060% | $0.00 | 4.4 | None | No | No | 8.000% | 2 | 2 | 1 | 0 | 3 | 2 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $748,412.00 | 2.990% | 01/08/2021 | $668,240.71 | $3,151.30 | 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 | No | ($71.15) | $13,216.67 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225051088 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $8,947.25 | $13,144.40 | 8.786% | $3,141.01 | $3,141.01 | 8.500% | No | No | Self-Employed | US Citizen | $24,897.09 | 1 | [Redacted] | $3,129.00 | [Redacted] | $260.75 | 35.729% | 35.729% | 35.729% | [Redacted] | 761 | No | Yes | 12 | Business | 66.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [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 - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,947.25 | 6.060% | $0.00 | 1.0 | None | Yes | No | 8.500% | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $719,900.00 | 2.750% | 09/27/2021 | $652,052.04 | $2,938.93 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225051528 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,825.86 | 8.096% | $1,417.63 | $1,417.63 | 8.000% | No | No | Self-Employed | US Citizen | $36,664.32 | 1 | [Redacted] | $16,059.96 | [Redacted] | $1,338.33 | 23.600% | 23.600% | 23.600% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.170% | $0.00 | 3.7 | None | No | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,214,000.00 | 5.875% | 12/18/2025 | $1,175,110.40 | $7,181.27 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225051559 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,554.84 | 7.697% | $2,453.57 | $2,453.57 | 7.625% | No | No | Employed | US Citizen | $13,202.39 | 1 | [Redacted] | $2,652.96 | [Redacted] | $221.08 | 39.066% | 39.066% | 39.066% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,690.00 | 6.060% | $0.00 | 2.6 | None | Yes | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $765,600.00 | 10/26/2020 | $680,706.59 | $3,279.64 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225051572 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,268.75 | $4,901.07 | 8.441% | $873.18 | $873.18 | 8.000% | No | No | Employed | US Citizen | $5,838.31 | 1 | [Redacted] | $2,559.96 | [Redacted] | $213.33 | 30.396% | 30.396% | 30.396% | [Redacted] | 819 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 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]; 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 | [Redacted] | $4,268.75 | 6.170% | $0.00 | None | N/A | No | 8.000% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | 1 | $402,500.00 | 2.375% | 02/04/2022 | $314,851.84 | $2,660.21 | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225052496 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,125.67 | $3,038.40 | 9.249% | $613.04 | $613.04 | 8.875% | No | No | Not Employed | Employed | US Citizen | $16,442.74 | 1 | [Redacted] | $749.04 | [Redacted] | $62.42 | 37.204% | 37.204% | 37.204% | [Redacted] | 747 | No | No | [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 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 |
[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 | [Redacted] | $2,125.67 | 6.060% | $0.00 | 3.2 | None | N/A | No | 8.875% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $131,700.00 | 3.500% | 02/01/2021 | $103,814.00 | $530.43 | Yes | Business Entity | No | No | FICO II | FICO Risk Score Classic 04 | No | No | $0.00 | $26,184.43 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225060074 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,329.36 | $3,712.20 | 8.440% | $1,455.07 | $1,455.07 | 8.250% | No | No | Employed | US Citizen | $13,363.51 | 1 | [Redacted] | $2,559.00 | [Redacted] | $213.25 | 33.759% | 33.759% | 33.759% | [Redacted] | 696 | 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 |
[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 | [Redacted] | $2,329.36 | 6.260% | $0.00 | None | N/A | No | 8.250% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 34 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $466,396.00 | 3.125% | 11/01/2019 | $420,008.52 | $1,980.32 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225060886 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $11,390.00 | $14,134.58 | 9.016% | $4,378.75 | $4,378.75 | 8.625% | No | No | Not Employed | Self-Employed | Self-Employed | 16.56 | US Citizen | US Citizen | $31,973.98 | 1 | [Redacted] | $2,439.96 | [Redacted] | $203.33 | 40.160% | 40.160% | 40.160% | [Redacted] | 768 | 747 | 742 | 756 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 51.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,390.00 | 5.640% | $0.00 | 3.5 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | 1 | $2,275,000.00 | 5.875% | 02/16/2024 | $2,275,000.00 | $11,138.02 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.56 | No | $53,432.38 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225060942 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,290.00 | $3,026.28 | 8.177% | $725.07 | $725.07 | 7.875% | No | No | Employed | US Citizen | $5,158.93 | 1 | [Redacted] | $1,497.96 | [Redacted] | $124.83 | 44.274% | 44.274% | 44.274% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,290.00 | 6.170% | $0.00 | None | N/A | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $348,000.00 | 3.375% | 01/13/2021 | $313,447.00 | $1,541.83 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225062686 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $643.86 | 7.003% | $807.68 | $807.68 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $2,592.63 | 1 | [Redacted] | $2,189.04 | [Redacted] | $182.42 | 47.684% | 47.684% | 47.684% | [Redacted] | 755 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.060% | $0.00 | 5.0 | None | No | No | 7.000% | 0 | 0 | 1 | 0 | 1 | 1 | 12.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $200,000.00 | 4.000% | 03/12/2020 | $199,600.25 | $954.83 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225063666 | [Redacted] | [Redacted] | N/A | No | No | $2,414.55 | $2,414.55 | 9.250% | No | No | US Citizen | 1 | [Redacted] | $6,460.20 | [Redacted] | $538.35 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.3 | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $625,000.00 | 3.990% | 11/24/2021 | $578,135.93 | $2,980.24 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225072492 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,469.87 | $4,854.71 | 8.521% | $1,201.94 | $1,201.94 | 8.250% | No | No | Employed | US Citizen | $6,128.58 | 1 | [Redacted] | $3,003.96 | [Redacted] | $250.33 | 41.050% | 41.050% | 41.050% | [Redacted] | 716 | 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Housing Allowance]; 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 | [Redacted] | $3,469.87 | 6.180% | $0.00 | 1.0 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $276,000.00 | 2.990% | 10/23/2020 | $240,011.00 | $1,162.14 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225074832 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,560.00 | $3,076.84 | 7.924% | $1,168.04 | $1,168.04 | 7.500% | No | No | Self-Employed | US Citizen | $21,689.70 | 1 | [Redacted] | $8,210.88 | [Redacted] | $684.24 | 24.586% | 24.586% | 24.586% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,560.00 | 5.690% | $0.00 | 3.2 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $300,000.00 | 4.490% | 08/31/2012 | $50,042.94 | $2,293.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225074834 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $2,438.75 | $3,196.35 | 9.488% | $674.59 | $674.59 | 8.250% | No | No | Self-Employed | US Citizen | $15,024.65 | 1 | [Redacted] | $1,402.56 | [Redacted] | $116.88 | 45.621% | 45.621% | 45.621% | [Redacted] | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,438.75 | 5.750% | $0.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $408,780.00 | 5.750% | 07/01/2025 | $262,292.00 | $1,686.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 120 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225078368 | [Redacted] | [Redacted] | N/A | No | No | $1,634.16 | $1,634.16 | 8.375% | No | No | US Citizen | 2 | [Redacted] | $1,697.04 | [Redacted] | $141.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $400,000.00 | 3.500% | 02/26/2021 | $361,755.60 | $1,796.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.36 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225083553 | [Redacted] | [Redacted] | N/A | No | No | $1,739.68 | $1,739.68 | 8.875% | No | No | US Citizen | 1 | [Redacted] | $1,992.96 | [Redacted] | $166.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $283,500.00 | 3.750% | 12/01/2017 | $226,345.41 | $1,312.93 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225083561 | [Redacted] | [Redacted] | N/A | No | No | $1,287.40 | $1,287.40 | 9.000% | No | No | US Citizen | 1 | [Redacted] | $2,325.12 | [Redacted] | $193.76 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | No | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $450,000.00 | 3.750% | 05/14/2005 | $273,590.81 | $2,308.44 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225083669 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $3,573.16 | 7.551% | $2,573.11 | $2,573.11 | 7.500% | No | No | Employed | US Citizen | $9,731.93 | 1 | [Redacted] | $4,265.28 | [Redacted] | $355.44 | 36.680% | 36.680% | 36.680% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; VVOE - 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 - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 6.170% | $0.00 | 2.0 | None | No | No | 7.500% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $512,800.00 | 3.500% | 08/04/2021 | $459,210.02 | $2,302.70 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225083703 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,395.00 | $5,437.45 | 7.661% | $2,580.98 | $2,580.98 | 7.500% | No | No | Employed | US Citizen | $9,146.68 | 1 | [Redacted] | $4,037.04 | [Redacted] | $336.42 | 50.000% | 50.000% | 50.000% | [Redacted] | 683 | 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]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,395.00 | 6.270% | $0.00 | 1.0 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $742,500.00 | 2.990% | 04/01/2021 | $670,279.69 | $3,126.41 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225084107 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,793.68 | 7.944% | $2,878.53 | $2,878.53 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $13,692.71 | 1 | [Redacted] | $3,314.04 | [Redacted] | $276.17 | 43.651% | 43.651% | 43.651% | [Redacted] | 799 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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]; 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 | [Redacted] | $1,390.00 | 6.170% | $0.00 | 2.0 | None | Yes | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $352,000.00 | 2.750% | 03/01/2021 | $283,359.26 | $1,908.43 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.39 | No | $0.00 | $7,800.00 | No | No | No | No | 1 | 360 | AE | 07/01/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225087452 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $2,700.00 | 7.105% | $1,744.42 | $1,744.42 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $10,616.28 | 1 | [Redacted] | $3,064.32 | [Redacted] | $255.36 | 40.139% | 40.139% | 40.139% | [Redacted] | 705 | 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 - 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 5.850% | $0.00 | None | N/A | No | 7.000% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 24 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $442,578.00 | 2.750% | 07/27/2020 | $374,584.94 | $1,890.20 | 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 | $0.00 | $5,776.67 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225089071 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $2,578.45 | 8.259% | $358.21 | $358.21 | 7.750% | No | No | Employed | US Citizen | $3,067.50 | 1 | [Redacted] | $255.96 | [Redacted] | $21.33 | 41.010% | 41.010% | 41.010% | [Redacted] | 741 | No | No | [Borrower - | Primary Income - Wages]; Other - 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 - | 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 | [Redacted] | $1,990.00 | 6.140% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $254,843.00 | 2.500% | 07/21/2021 | $228,146.67 | $1,006.94 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225097661 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,825.00 | $3,349.23 | 9.081% | $461.35 | $461.35 | 8.500% | No | No | Employed | US Citizen | $8,685.71 | 1 | [Redacted] | $1,707.96 | [Redacted] | $142.33 | 34.503% | 34.503% | 34.503% | [Redacted] | 659 | 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,825.00 | 6.170% | $0.00 | 1.4 | None | Yes | No | 8.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $313,390.00 | 5.375% | 12/14/2022 | $313,390.00 | $1,754.89 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225097662 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,240.00 | $5,246.93 | 8.521% | $2,204.21 | $2,204.21 | 8.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,146.62 | 1 | [Redacted] | $1,599.12 | [Redacted] | $133.26 | 49.220% | 49.220% | 49.220% | [Redacted] | 733 | Yes | Yes | 12 | Business | 81.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [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 - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,240.00 | 6.100% | $0.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $205,000.00 | 2.375% | 09/02/2020 | $142,116.74 | $1,354.89 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.73 | No | $3,299.91 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225097701 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,490.75 | 7.713% | $1,946.43 | $1,946.43 | 7.625% | No | No | Self-Employed | US Citizen | $5,716.40 | 1 | [Redacted] | $7,891.56 | [Redacted] | $657.63 | 47.203% | 47.203% | 47.203% | [Redacted] | 793 | Yes | Yes | 12 | Business | 59.000% | 100.000% | [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.170% | $0.00 | 4.4 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 120 | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $500,000.00 | 3.250% | 05/14/2021 | $450,404.69 | $2,176.03 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225101048 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,473.50 | $4,437.43 | 8.208% | $891.84 | $891.84 | 7.875% | No | No | Employed | US Citizen | $4,479.69 | 1 | [Redacted] | $1,581.84 | [Redacted] | $131.82 | 45.924% | 45.924% | 45.924% | [Redacted] | 714 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $3,473.50 | 6.170% | $0.00 | None | N/A | No | 7.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $162,460.00 | 4.250% | 10/09/2003 | $103,288.40 | $729.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225101112 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,100.72 | $3,005.38 | 7.436% | $592.87 | $592.87 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,338.17 | 1 | [Redacted] | $2,024.16 | [Redacted] | $168.68 | 46.728% | 46.728% | 46.728% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [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]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,100.72 | 6.170% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $213,333.00 | 4.125% | 09/27/2022 | $203,517.97 | $1,033.92 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 09/01/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225102599 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,490.00 | $7,645.04 | 7.608% | $1,364.35 | $1,364.35 | 7.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,937.13 | 1 | [Redacted] | $1,952.04 | [Redacted] | $162.67 | 42.900% | 42.900% | 42.900% | [Redacted] | 672 | Yes | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 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 - 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 | [Redacted] | $6,490.00 | 6.140% | $0.00 | None | N/A | No | 7.250% | 2 | 0 | 1 | 0 | 2 | 2 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $513,000.00 | 5.125% | 09/08/2018 | $453,686.18 | $2,793.22 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225102622 | [Redacted] | [Redacted] | N/A | No | No | $1,490.69 | $1,490.69 | 9.125% | No | No | US Citizen | 3 | [Redacted] | $3,974.52 | [Redacted] | $331.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $242,000.00 | 3.375% | 04/21/2021 | $218,882.02 | $1,069.87 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225108998 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,230.00 | $3,394.60 | 8.326% | $704.41 | $704.41 | 8.000% | No | No | Employed | US Citizen | $5,777.65 | 1 | [Redacted] | $1,269.12 | [Redacted] | $105.76 | 49.894% | 49.894% | 49.894% | [Redacted] | 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 - 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 | [Redacted] | $2,230.00 | 6.170% | $0.00 | 3.8 | None | No | No | 8.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 11 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $640,000.00 | 4.250% | 04/12/2022 | $597,910.00 | $3,148.42 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225109006 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $4,871.03 | 7.208% | $2,768.98 | $2,768.98 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $9,834.33 | 1 | [Redacted] | $861.48 | [Redacted] | $71.79 | 49.066% | 49.066% | 49.066% | [Redacted] | 768 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; WVOE - 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]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [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 | [Redacted] | $1,690.00 | 6.140% | $0.00 | 1.9 | None | No | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 2 | 34 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $585,000.00 | 2.990% | 11/16/2020 | $520,274.56 | $2,463.23 | 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 | No | $0.00 | $12,766.66 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225113010 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $2,442.48 | 7.178% | $765.10 | $765.10 | 7.000% | No | No | Employed | US Citizen | $6,705.74 | 1 | [Redacted] | $5,208.96 | [Redacted] | $434.08 | 31.501% | 31.501% | 31.501% | [Redacted] | 795 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,890.00 | 6.170% | $0.00 | 1.3 | None | Yes | No | 7.000% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $135,000.00 | 3.875% | 03/21/2022 | $117,382.44 | $809.21 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225113615 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,970.00 | $5,742.48 | 7.247% | $1,363.87 | $1,363.87 | 7.000% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $14,519.40 | 1 | [Redacted] | $5,551.20 | [Redacted] | $462.60 | 28.776% | 28.776% | 28.776% | [Redacted] | 758 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,970.00 | 6.140% | $0.00 | None | N/A | No | 7.000% | 2 | 0 | 1 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $229,425.00 | 7.312% | 08/11/2023 | $224,109.76 | $1,574.74 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.6 | No | No | $2,413.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 04/28/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225115538 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,004.44 | 7.858% | $1,775.02 | $1,775.02 | 7.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,658.03 | 1 | [Redacted] | $3,900.60 | [Redacted] | $325.05 | 35.613% | 35.613% | 35.613% | [Redacted] | 744 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,690.00 | 5.960% | $0.00 | 3.1 | None | No | No | 7.750% | 3 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $464,000.00 | 3.375% | 01/01/2022 | $426,554.00 | $2,051.33 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 300 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225118304 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $3,535.36 | 9.982% | $2,288.10 | $2,288.10 | 9.875% | No | No | Employed | US Citizen | $117,710.44 | 1 | [Redacted] | $1,839.00 | [Redacted] | $153.25 | 22.016% | 22.016% | 22.016% | [Redacted] | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.140% | $0.00 | 4.8 | None | Yes | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $1,904,000.00 | 6.500% | 01/09/2026 | $1,876,207.29 | $12,034.58 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225119921 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,090.00 | $3,220.00 | 8.008% | $1,450.14 | $1,450.14 | 7.875% | No | No | Employed | US Citizen | $5,208.62 | 1 | [Redacted] | $1,563.48 | [Redacted] | $130.29 | 49.849% | 49.849% | 49.849% | [Redacted] | 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]; 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]; 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 | [Redacted] | $2,090.00 | 6.140% | $0.00 | None | N/A | No | 7.875% | 2 | 1 | 0 | 3 | 3 | 0.00 | No | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $341,000.00 | 3.375% | 09/21/2021 | $310,966.81 | $1,507.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.31 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225140313 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $2,480.11 | 7.458% | $1,619.63 | $1,619.63 | 7.375% | No | No | Self-Employed | US Citizen | $101,674.05 | 1 | [Redacted] | $2,573.04 | [Redacted] | $214.42 | 7.516% | 7.516% | 7.516% | [Redacted] | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.100% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $620,000.00 | 4.000% | 03/24/2022 | $576,707.52 | $2,959.97 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225140314 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,295.00 | $6,845.80 | 8.433% | $1,633.49 | $1,633.49 | 8.125% | No | No | Self-Employed | US Citizen | $19,351.95 | 1 | [Redacted] | $1,943.04 | [Redacted] | $161.92 | 24.679% | 24.679% | 24.679% | [Redacted] | 731 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,295.00 | 6.100% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $587,100.00 | 3.000% | 12/22/2021 | $536,920.27 | $2,475.24 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225140657 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,418.75 | $4,500.49 | 8.100% | $909.84 | $909.84 | 7.750% | No | No | Employed | US Citizen | $8,381.90 | 1 | [Redacted] | $2,799.00 | [Redacted] | $233.25 | 35.826% | 35.826% | 35.826% | [Redacted] | 712 | 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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $3,418.75 | 6.170% | $0.00 | 1.3 | None | Yes | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $319,000.00 | 3.375% | 09/30/2020 | $283,687.97 | $1,410.29 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225141318 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $3,354.31 | 7.257% | $1,463.65 | $1,463.65 | 7.125% | No | No | Employed | US Citizen | $7,363.39 | 1 | [Redacted] | $12,656.76 | [Redacted] | $1,054.73 | 47.953% | 47.953% | 47.953% | [Redacted] | 707 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,390.00 | 6.140% | $0.00 | None | N/A | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $477,000.00 | 2.625% | 07/28/2021 | $353,460.00 | $3,208.73 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225141831 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,195.00 | $1,822.50 | 7.234% | $697.77 | $697.77 | 7.000% | No | No | Employed | US Citizen | $13,656.13 | 1 | [Redacted] | $9,801.60 | [Redacted] | $816.80 | 27.968% | 27.968% | 27.968% | [Redacted] | 806 | 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]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,195.00 | 5.920% | $0.00 | 2.1 | None | No | No | 7.000% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $550,000.00 | 3.125% | 08/05/2019 | $459,702.90 | $2,261.82 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225144683 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $7,881.25 | $4,918.25 | 9.008% | $2,646.31 | $2,646.31 | 8.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,197.54 | 1 | [Redacted] | $1,615.32 | [Redacted] | $134.61 | 41.053% | 41.053% | 41.053% | [Redacted] | 683 | No | Yes | 12 | Business | 34.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 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 Transcript - No Results Returned - 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 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,881.25 | 6.170% | $0.00 | 1.0 | None | Yes | No | 8.875% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $450,000.00 | 3.125% | 04/02/2021 | $403,129.65 | $1,927.69 | 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 | 1.13 | No | $0.00 | $13,562.86 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225144710 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,407.00 | $5,770.56 | 7.552% | $889.31 | $889.31 | 7.125% | No | No | Employed | US Citizen | $3,112.70 | 1 | [Redacted] | $2,849.04 | [Redacted] | $237.42 | 45.070% | 45.070% | 45.070% | [Redacted] | 726 | 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 Transcript - No Results Returned - 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 | [Redacted] | $3,407.00 | 6.060% | $0.00 | None | N/A | No | 7.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $233,516.00 | 3.875% | 09/25/2017 | $193,460.23 | $1,098.08 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225145045 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,443.49 | $3,294.92 | 8.214% | $999.44 | $999.44 | 7.875% | No | No | Self-Employed | US Citizen | $51,451.16 | 1 | [Redacted] | $2,097.00 | [Redacted] | $174.75 | 6.456% | 6.456% | 6.456% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,443.49 | 5.920% | $0.00 | 1.5 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $194,000.00 | 3.250% | 01/25/2018 | $171,074.45 | $691.85 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225147729 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,785.00 | $3,342.52 | 7.958% | $510.43 | $510.43 | 7.500% | No | No | Employed | US Citizen | $5,828.08 | 1 | [Redacted] | $4,274.16 | [Redacted] | $356.18 | 45.057% | 45.057% | 45.057% | [Redacted] | 656 | 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 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,785.00 | 6.140% | $0.00 | None | N/A | No | 7.500% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $236,060.00 | 2.750% | 08/13/2020 | $203,753.90 | $963.69 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225148065 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $2,702.98 | 7.152% | $1,051.18 | $1,051.18 | 7.000% | No | No | Non-Employment Income | US Citizen | $5,156.93 | 1 | [Redacted] | $2,022.12 | [Redacted] | $168.51 | 35.582% | 35.582% | 35.582% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 | [Redacted] | $1,890.00 | 6.060% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $311,659.00 | 2.375% | 02/26/2021 | $241,594.22 | $1,342.94 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225148152 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $993.50 | 7.128% | $3,573.57 | $3,573.57 | 7.125% | No | No | Employed | US Citizen | $16,865.63 | 1 | [Redacted] | $3,398.28 | [Redacted] | $283.19 | 37.047% | 37.047% | 37.047% | [Redacted] | 754 | 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 - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | 5.840% | $0.00 | 2.2 | None | No | No | 7.125% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $457,450.00 | 2.375% | 12/27/2021 | $329,315.99 | $3,411.20 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225151881 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,206.50 | $4,586.40 | 7.803% | $1,957.51 | $1,957.51 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $14,472.79 | 1 | [Redacted] | $2,306.04 | [Redacted] | $192.17 | 30.270% | 30.270% | 30.270% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,206.50 | 5.840% | $0.00 | 1.2 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $319,500.00 | 3.250% | 09/11/2020 | $284,097.56 | $1,390.49 | 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 | $10,377.68 | $0.00 | No | No | No | No | 1 | 300 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225151886 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,670.00 | $4,242.50 | 8.426% | $580.06 | $580.06 | 7.875% | No | No | Self-Employed | US Citizen | $3,388.98 | 1 | [Redacted] | $887.04 | [Redacted] | $73.92 | 40.445% | 40.445% | 40.445% | [Redacted] | 764 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,670.00 | 6.170% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $137,200.00 | 2.875% | 08/09/2021 | $124,169.08 | $569.23 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225152036 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,541.93 | $4,082.63 | 7.234% | $1,593.94 | $1,593.94 | 7.000% | No | No | Employed | US Citizen | $11,295.61 | 1 | [Redacted] | $3,302.04 | [Redacted] | $275.17 | 39.944% | 39.944% | 39.944% | [Redacted] | 699 | 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]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,541.93 | 5.920% | $0.00 | 1.6 | None | No | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $822,375.00 | 3.375% | 11/11/2021 | $753,405.00 | $3,635.69 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225152044 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,488.80 | $5,933.60 | 9.127% | $989.35 | $989.35 | 8.625% | No | No | Self-Employed | US Citizen | $125,095.70 | 1 | [Redacted] | $1,434.96 | [Redacted] | $119.58 | 23.561% | 23.561% | 23.561% | [Redacted] | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,488.80 | 6.130% | $0.00 | 1.1 | None | No | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $296,250.00 | 3.375% | 11/16/2021 | $272,001.89 | $1,309.71 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.61 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225152046 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,636.73 | 7.362% | $695.11 | $695.11 | 7.000% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $4,178.86 | 1 | [Redacted] | $6,978.00 | [Redacted] | $581.50 | 48.413% | 48.413% | 48.413% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Account Statements - 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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,790.00 | 5.920% | $0.00 | None | N/A | No | 7.000% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $185,000.00 | 4.125% | 11/04/2019 | $163,746.14 | $896.61 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.17 | No | No | $0.00 | $4,969.66 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225152085 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,982.23 | $2,413.87 | 7.965% | $491.92 | $491.92 | 7.625% | No | No | Employed | US Citizen | $4,764.70 | 1 | [Redacted] | $4,677.60 | [Redacted] | $389.80 | 43.894% | 43.894% | 43.894% | [Redacted] | 666 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 | [Redacted] | $1,982.23 | 6.170% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $320,000.00 | 3.125% | 09/30/2021 | $290,550.03 | $1,370.80 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225152135 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,590.00 | $9,554.04 | 7.926% | $3,582.06 | $3,582.06 | 7.750% | No | No | Self-Employed | US Citizen | $44,249.89 | 1 | [Redacted] | $8,580.12 | [Redacted] | $715.01 | 37.003% | 37.003% | 37.003% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,590.00 | 6.100% | $0.00 | 3.6 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $2,000,000.00 | 6.990% | 03/17/2025 | $1,986,587.99 | $13,292.62 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225152252 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,252.50 | $5,782.62 | 10.807% | $3,003.32 | $3,003.32 | 10.625% | No | No | Self-Employed | US Citizen | $45,314.47 | 1 | [Redacted] | $696.00 | [Redacted] | $58.00 | 42.509% | 42.509% | 42.509% | [Redacted] | 641 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,252.50 | 6.310% | $0.00 | 1.2 | None | No | No | 10.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $748,000.00 | 3.125% | 07/01/2020 | $667,991.09 | $3,204.25 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225153295 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,008.75 | $2,703.35 | 7.720% | $1,622.27 | $1,622.27 | 7.500% | No | No | Self-Employed | US Citizen | $23,096.98 | 1 | [Redacted] | $2,235.36 | [Redacted] | $186.28 | 23.421% | 23.421% | 23.421% | [Redacted] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,008.75 | 5.590% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $360,570.00 | 3.125% | 09/20/2021 | $328,274.76 | $1,544.59 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225153333 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,854.50 | 7.231% | $1,441.56 | $1,441.56 | 7.125% | No | No | Self-Employed | US Citizen | $5,698.03 | 1 | [Redacted] | $4,170.48 | [Redacted] | $347.54 | 39.123% | 39.123% | 39.123% | [Redacted] | 747 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.850% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 1 | 0 | 2 | 1 | 13.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $153,600.00 | 5.125% | 06/12/2017 | $130,867.13 | $836.33 | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 20.76 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225153870 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,265.20 | 7.782% | $1,325.60 | $1,325.60 | 7.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,494.82 | 1 | [Redacted] | $2,343.60 | [Redacted] | $195.30 | 47.787% | 47.787% | 47.787% | [Redacted] | 702 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Account Statements - 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]; 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]; 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 | [Redacted] | $1,590.00 | 5.840% | $0.00 | 1.2 | None | No | No | 7.625% | 0 | 1 | 1 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $260,250.00 | 6.625% | 01/12/2023 | $248,853.00 | $1,666.41 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $7,601.24 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225153890 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,140.00 | $2,834.90 | 7.555% | $905.83 | $905.83 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,948.99 | 1 | [Redacted] | $1,478.04 | [Redacted] | $123.17 | 49.065% | 49.065% | 49.065% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 |
[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 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,140.00 | 5.530% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $161,250.00 | 3.750% | 02/21/2013 | $113,308.18 | $746.00 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.5 | No | No | $10,142.05 | $0.00 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225157549 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,016.64 | 7.191% | $665.30 | $665.30 | 7.000% | No | No | Employed | US Citizen | $7,245.08 | 1 | [Redacted] | $3,714.00 | [Redacted] | $309.50 | 40.857% | 40.857% | 40.857% | [Redacted] | 740 | 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 | [Redacted] | $1,490.00 | 6.140% | $0.00 | None | N/A | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $437,500.00 | 3.250% | 09/22/2020 | $385,482.62 | $1,904.03 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225157624 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,771.64 | 7.269% | $665.30 | $665.30 | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,316.76 | 1 | [Redacted] | $3,420.00 | [Redacted] | $285.00 | 42.581% | 42.581% | 42.581% | [Redacted] | 749 | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,690.00 | 6.100% | $0.00 | 2.9 | None | Yes | No | 7.000% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $199,000.00 | 7.000% | 05/01/2021 | $193,933.00 | $1,486.33 | 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 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225158420 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,251.36 | 7.075% | $2,328.56 | $2,328.56 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $19,899.87 | 1 | [Redacted] | $682.56 | [Redacted] | $56.88 | 32.256% | 32.256% | 32.256% | [Redacted] | 774 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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]; 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]; 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 | [Redacted] | $1,990.00 | 6.140% | $0.00 | 1.0 | None | Yes | No | 7.000% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $773,000.00 | 3.125% | 01/16/2021 | $690,317.21 | $3,311.34 | 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 | $0.00 | $12,708.32 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225158422 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,297.80 | $4,782.30 | 8.620% | $2,768.09 | $2,768.09 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $6,822.39 | 1 | [Redacted] | $5,230.20 | [Redacted] | $435.85 | 49.290% | 49.290% | 49.290% | [Redacted] | 704 | 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 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $3,297.80 | 6.100% | $0.00 | 1.0 | None | Yes | No | 8.500% | 3 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 27 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $548,250.00 | 3.000% | 05/25/2021 | $493,929.64 | $2,311.44 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.45 | No | $0.00 | $2,006.95 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225159175 | [Redacted] | [Redacted] | N/A | No | No | $951.95 | $951.95 | 9.125% | No | No | US Citizen | 2 | [Redacted] | $5,688.96 | [Redacted] | $474.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $529,462.00 | 2.750% | 08/26/2020 | $457,089.00 | $2,161.48 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225162727 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,290.00 | $3,813.14 | 7.440% | $3,453.38 | $3,453.38 | 7.375% | No | No | Employed | US Citizen | $37,775.99 | 1 | [Redacted] | $5,061.12 | [Redacted] | $421.76 | 18.726% | 18.726% | 18.726% | [Redacted] | 776 | No | No | [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]; 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 | [Redacted] | $2,290.00 | 6.060% | $0.00 | 3.5 | None | Yes | No | 7.375% | 0 | 2 | 0 | 2 | 2 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $342,000.00 | 2.750% | 07/06/2020 | $299,127.19 | $1,396.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225162741 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,672.50 | $2,042.90 | 7.904% | $1,231.42 | $1,231.42 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $13,331.93 | 1 | [Redacted] | $4,247.04 | [Redacted] | $353.92 | 30.042% | 30.042% | 30.042% | [Redacted] | 682 | 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]; 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 - | Primary Income - Wages]; W-2 Transcript - 2023 [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]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 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]; 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 | [Redacted] | $2,672.50 | 5.850% | $0.00 | None | N/A | No | 7.750% | 3 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 24 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $478,500.00 | 3.625% | 05/19/2020 | $423,879.28 | $2,182.21 | 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 | $0.00 | $7,166.66 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225166920 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,095.00 | $2,664.52 | 7.307% | $1,385.59 | $1,385.59 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $8,247.00 | 1 | [Redacted] | $799.56 | [Redacted] | $66.63 | 35.817% | 35.817% | 35.817% | [Redacted] | 790 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; 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]; Paystubs - 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 - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[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 | [Redacted] | $2,095.00 | 5.920% | $0.00 | None | N/A | No | 7.125% | 3 | 4 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 25 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $312,365.00 | 3.000% | 11/23/2020 | $230,695.09 | $1,316.94 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.5 | No | $0.00 | $6,666.68 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225166929 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,713.32 | 7.073% | $2,128.97 | $2,128.97 | 7.000% | No | No | Employed | US Citizen | $5,832.48 | 1 | [Redacted] | $2,027.04 | [Redacted] | $168.92 | 48.232% | 48.232% | 48.232% | [Redacted] | 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 - | Primary Income - Wages]; W-2 - 2023 |
[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 | [Redacted] | $1,690.00 | 6.060% | $0.00 | 1.0 | None | No | No | 7.000% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $256,000.00 | 2.990% | 11/20/2020 | $224,337.62 | $1,077.93 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225167907 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $5,515.00 | $8,086.30 | 9.215% | $1,989.11 | $1,989.11 | 8.875% | No | No | Self-Employed | US Citizen | $48,618.53 | 1 | [Redacted] | $10,244.04 | [Redacted] | $853.67 | 40.055% | 40.055% | 40.055% | [Redacted] | 744 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,515.00 | 6.130% | $0.00 | None | N/A | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $2,000,000.00 | 7.625% | 01/22/2024 | $1,962,598.00 | $14,155.87 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225172758 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,726.66 | $2,767.76 | 8.107% | $829.78 | $829.78 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $14,963.47 | 1 | [Redacted] | $1,077.96 | [Redacted] | $89.83 | 38.274% | 38.274% | 38.274% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2026 [Borrower - | Primary Income - Wages]; Borrower Intent to Return to Work 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Borrower Intent to Return to Work 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 - 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 |
[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 | [Redacted] | $3,726.66 | 5.770% | $0.00 | None | N/A | No | 7.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $513,000.00 | 2.875% | 07/06/2020 | $444,806.83 | $2,128.40 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.13 | No | $0.00 | $12,295.83 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225173314 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,030.00 | $3,151.48 | 7.841% | $375.20 | $375.20 | 7.250% | No | No | Employed | US Citizen | $6,643.80 | 1 | [Redacted] | $675.24 | [Redacted] | $56.27 | 39.773% | 39.773% | 39.773% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,030.00 | 6.060% | $0.00 | 1.3 | None | Yes | No | 7.250% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $184,200.00 | 2.875% | 03/12/2021 | $161,217.00 | $818.09 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225173452 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $4,009.58 | 7.444% | $3,453.38 | $3,453.38 | 7.375% | No | No | Self-Employed | US Citizen | $15,795.91 | 1 | [Redacted] | $2,109.96 | [Redacted] | $175.83 | 38.361% | 38.361% | 38.361% | [Redacted] | 781 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 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%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 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%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2010 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.130% | $0.00 | 3.5 | None | No | No | 7.375% | 0 | 2 | 0 | 3 | 2 | 12.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $765,000.00 | 3.375% | 05/15/2020 | $677,376.00 | $3,382.04 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225173454 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $695.00 | $1,891.32 | 9.247% | $825.61 | $825.61 | 8.875% | No | No | Self-Employed | US Citizen | $10,485.26 | 1 | [Redacted] | $2,232.96 | [Redacted] | $186.08 | 17.961% | 17.961% | 17.961% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $695.00 | 5.690% | $0.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $225,000.00 | 3.500% | 10/19/2025 | $207,595.29 | $1,010.35 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225173455 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,865.00 | $3,233.74 | 7.444% | $673.72 | $673.72 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,845.18 | 1 | [Redacted] | $2,881.20 | [Redacted] | $240.10 | 37.263% | 37.263% | 37.263% | [Redacted] | 742 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [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]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | 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 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,865.00 | 6.140% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $132,000.00 | 3.250% | 05/21/2021 | $119,150.71 | $574.47 | 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 | $3,390.68 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225173456 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,047.50 | 7.281% | $1,046.65 | $1,046.65 | 7.000% | No | No | Employed | US Citizen | $10,680.63 | 1 | [Redacted] | $2,349.36 | [Redacted] | $195.78 | 28.796% | 28.796% | 28.796% | [Redacted] | 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 - | 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 | [Redacted] | $1,690.00 | 5.840% | $0.00 | 4.6 | None | No | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 18 | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $404,200.00 | 2.840% | 03/02/2022 | $343,396.55 | $2,209.45 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225173458 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,630.00 | $4,027.80 | 8.816% | $1,045.72 | $1,045.72 | 8.500% | No | No | Employed | US Citizen | $21,722.80 | 1 | [Redacted] | $6,278.16 | [Redacted] | $523.18 | 30.901% | 30.901% | 30.901% | [Redacted] | 697 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,630.00 | 6.170% | $0.00 | 3.8 | None | Yes | No | 8.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $700,000.00 | 6.990% | 04/18/2025 | $695,904.54 | $4,652.42 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225173521 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,490.00 | $2,090.40 | 7.973% | $1,461.01 | $1,461.01 | 7.875% | No | No | Self-Employed | US Citizen | $8,706.91 | 1 | [Redacted] | $2,388.60 | [Redacted] | $199.05 | 39.919% | 39.919% | 39.919% | [Redacted] | 766 | No | Yes | 12 | Business | 77.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.140% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $103,000.00 | 9.125% | 07/03/2025 | $101,883.00 | $838.04 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225175002 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,195.00 | $3,612.35 | 7.484% | $1,023.26 | $1,023.26 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $9,079.12 | 1 | [Redacted] | $1,023.72 | [Redacted] | $85.31 | 34.765% | 34.765% | 34.765% | [Redacted] | 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 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,195.00 | 6.100% | $0.00 | None | N/A | No | 7.250% | 2 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 24 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $508,500.00 | 2.990% | 09/16/2021 | $461,027.13 | $2,141.12 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $5,833.40 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225175076 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,018.82 | 7.876% | $1,106.14 | $1,106.14 | 7.750% | No | No | Employed | US Citizen | $6,049.24 | 1 | [Redacted] | $2,008.08 | [Redacted] | $167.34 | 40.552% | 40.552% | 40.552% | [Redacted] | 735 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 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]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [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 - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 6.060% | $0.00 | None | N/A | No | 7.750% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $361,900.00 | 2.990% | 02/22/2021 | $318,595.79 | $1,523.83 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225178829 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,245.00 | $7,066.98 | 8.623% | $1,502.53 | $1,502.53 | 8.250% | No | No | Self-Employed | US Citizen | $36,533.17 | 1 | [Redacted] | $1,374.72 | [Redacted] | $114.56 | 21.340% | 21.340% | 21.340% | [Redacted] | 649 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,245.00 | 6.100% | $0.00 | 3.3 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | 1 | $640,000.00 | 2.875% | 02/26/2021 | $570,276.55 | $2,655.31 | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 37.78 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225179921 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $3,158.36 | 7.055% | $2,661.21 | $2,661.21 | 7.000% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $11,751.63 | 1 | [Redacted] | $2,481.00 | [Redacted] | $206.75 | 41.385% | 41.385% | 41.385% | [Redacted] | 809 | 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 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 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 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2023 |
[Borrower]; 4506-C - 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]; 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 | [Redacted] | $1,490.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 7.000% | 3 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 36 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $400,000.00 | 2.625% | 09/20/2020 | $279,556.66 | $2,690.76 | 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 | $3,261.61 | $4,460.74 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225180847 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $2,908.45 | 7.207% | $891.51 | $891.51 | 7.000% | No | No | Employed | US Citizen | $6,037.78 | 1 | [Redacted] | $2,265.00 | [Redacted] | $188.75 | 44.267% | 44.267% | 44.267% | [Redacted] | 746 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,990.00 | 6.140% | $0.00 | None | N/A | No | 7.000% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $595,000.00 | 2.875% | 10/21/2021 | $539,662.92 | $2,468.62 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225183766 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $4,151.60 | 8.473% | $4,299.64 | $4,299.64 | 8.375% | No | No | Self-Employed | US Citizen | $237,607.08 | 2 | [Redacted] | $16,746.00 | [Redacted] | $1,395.50 | 10.141% | 10.141% | 10.141% | [Redacted] | 706 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 5.840% | $0.00 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $860,000.00 | 4.625% | 04/06/2012 | $514,553.72 | $4,841.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225188586 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,489.32 | 7.167% | $931.42 | $931.42 | 7.000% | No | No | Employed | US Citizen | $6,432.46 | 1 | [Redacted] | $1,574.40 | [Redacted] | $131.20 | 26.589% | 26.589% | 26.589% | [Redacted] | 765 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [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 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 | [Redacted] | $1,490.00 | 6.140% | $0.00 | None | N/A | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $210,000.00 | 3.875% | 10/08/2019 | $184,186.23 | $987.50 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225190248 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,328.85 | $2,786.97 | 8.179% | $688.82 | $688.82 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $7,330.40 | 1 | [Redacted] | $1,916.04 | [Redacted] | $159.67 | 37.860% | 37.860% | 37.860% | [Redacted] | 742 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; 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]; 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 | [Redacted] | $2,328.85 | 6.140% | $0.00 | None | N/A | No | 7.875% | 3 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $296,000.00 | 5.875% | 09/20/2022 | $282,700.95 | $1,750.96 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.26 | No | $0.00 | $5,546.67 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225191219 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $3,234.20 | 7.121% | $1,530.20 | $1,530.20 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,543.80 | 1 | [Redacted] | $4,319.16 | [Redacted] | $359.93 | 40.624% | 40.624% | 40.624% | [Redacted] | 769 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [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]; 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 | [Redacted] | $2,090.00 | 6.100% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 1 | 0 | 3 | 1 | 12.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $544,000.00 | 3.250% | 03/01/2022 | $500,857.52 | $2,367.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225199339 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,543.92 | $2,035.42 | 8.066% | $772.20 | $772.20 | 7.875% | No | No | Employed | US Citizen | $4,905.77 | 1 | [Redacted] | $2,829.00 | [Redacted] | $235.75 | 42.304% | 42.304% | 42.304% | [Redacted] | 652 | 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]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,543.92 | 6.130% | $0.00 | None | N/A | No | 7.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $235,000.00 | 2.875% | 03/15/2021 | $178,119.00 | $1,409.57 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225199481 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,095.00 | $3,709.34 | 7.106% | $2,195.50 | $2,195.50 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $8,984.60 | 1 | [Redacted] | $851.04 | [Redacted] | $70.92 | 43.747% | 43.747% | 43.747% | [Redacted] | 780 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,095.00 | 6.100% | $0.00 | 1.5 | None | No | No | 7.000% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $276,000.00 | 2.875% | 10/08/2021 | $233,485.10 | $1,145.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | No | $0.00 | $9,686.70 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225199517 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,422.62 | $4,490.25 | 8.214% | $731.01 | $731.01 | 7.750% | No | No | Self-Employed | US Citizen | $19,407.96 | 1 | [Redacted] | $2,906.16 | [Redacted] | $242.18 | 31.512% | 31.512% | 31.512% | [Redacted] | 750 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,422.62 | 6.130% | $0.00 | 4.1 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $864,680.00 | 7.500% | 08/29/2025 | $862,108.00 | $6,045.97 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225199592 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,663.15 | $2,979.41 | 7.638% | $1,219.14 | $1,219.14 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $2,870.99 | 1 | [Redacted] | $3,168.00 | [Redacted] | $264.00 | 47.408% | 47.408% | 47.408% | [Redacted] | 716 | 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 - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,663.15 | 5.750% | $0.00 | None | N/A | No | 7.000% | 3 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $118,000.00 | 2.500% | 04/08/2021 | $82,659.56 | $787.31 | 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 | $0.00 | $2,209.60 | No | No | No | No | 1 | 120 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225201667 | [Redacted] | [Redacted] | N/A | No | No | $2,151.00 | $2,151.00 | 8.375% | No | No | US Citizen | 1 | [Redacted] | $1,995.00 | [Redacted] | $166.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $397,500.00 | 3.125% | 02/01/2021 | $355,758.43 | $1,702.79 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225201668 | [Redacted] | [Redacted] | N/A | No | No | $795.64 | $795.64 | 8.875% | No | No | US Citizen | 2 | [Redacted] | $1,776.96 | [Redacted] | $148.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $361,000.00 | 4.750% | 08/17/2018 | $313,931.70 | $1,883.15 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225201693 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,295.00 | $3,284.80 | 7.553% | $750.39 | $750.39 | 7.250% | No | No | Self-Employed | US Citizen | $2,953.80 | 1 | [Redacted] | $3,558.72 | [Redacted] | $296.56 | 49.993% | 49.993% | 49.993% | [Redacted] | 732 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [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]; P&L Statement - 2016 [Borrower - | Non-Primary Income - Social Security]; 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,295.00 | 6.100% | $0.00 | None | N/A | No | 7.250% | 0 | 1 | 0 | 2 | 2 | 12.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $292,531.00 | 3.500% | 07/06/2016 | $226,531.00 | $1,313.59 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225201694 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,940.40 | $3,820.96 | 8.385% | $1,160.52 | $1,160.52 | 8.125% | No | No | Self-Employed | US Citizen | $12,277.46 | 1 | [Redacted] | $2,268.00 | [Redacted] | $189.00 | 45.480% | 45.480% | 45.480% | [Redacted] | 661 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,940.40 | 6.060% | $0.00 | 3.7 | None | No | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $564,400.00 | 2.990% | 03/25/2021 | $505,058.52 | $2,376.49 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.98 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225201765 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,921.48 | $4,327.16 | 8.405% | $830.99 | $830.99 | 8.000% | No | No | Employed | US Citizen | $7,907.27 | 1 | [Redacted] | $1,252.20 | [Redacted] | $104.35 | 44.832% | 44.832% | 44.832% | [Redacted] | 810 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,921.48 | 6.140% | $0.00 | 1.0 | None | Yes | No | 8.000% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $425,500.00 | 2.990% | 09/18/2021 | $385,776.16 | $1,791.63 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.2 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225204602 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,032.51 | $2,873.75 | 8.207% | $2,635.86 | $2,635.86 | 8.125% | No | No | Not Employed | Self-Employed | US Citizen | $68,862.56 | 1 | [Redacted] | $1,821.12 | [Redacted] | $151.76 | 25.480% | 25.480% | 25.480% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,032.51 | 6.140% | $0.00 | 2.2 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $395,000.00 | 3.375% | 05/13/2021 | $356,898.66 | $1,746.28 | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.47 | No | No | $92,408.59 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225204606 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,145.00 | $2,920.78 | 8.655% | $1,537.83 | $1,537.83 | 8.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $22,107.84 | 1 | [Redacted] | $3,060.00 | [Redacted] | $255.00 | 42.396% | 42.396% | 42.396% | [Redacted] | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,145.00 | 5.990% | $0.00 | 2.4 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $1,000,000.00 | 6.750% | 12/15/2025 | $1,000,000.00 | $6,485.98 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.28 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225204726 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,807.50 | $2,414.39 | 7.586% | $769.96 | $769.96 | 7.125% | No | No | Employed | US Citizen | $7,173.42 | 1 | [Redacted] | $3,879.00 | [Redacted] | $323.25 | 40.634% | 40.634% | 40.634% | [Redacted] | 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 - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,807.50 | 5.590% | $0.00 | None | N/A | No | 7.125% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $192,000.00 | 2.750% | 12/02/2020 | $136,736.00 | $1,302.95 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225205123 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,250.52 | 6.943% | $713.46 | $713.46 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $14,466.63 | 1 | [Redacted] | $2,656.68 | [Redacted] | $221.39 | 29.806% | 29.806% | 29.806% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; 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 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,590.00 | 6.130% | $0.00 | None | N/A | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $475,000.00 | 3.125% | 03/04/2021 | $426,045.46 | $2,034.78 | 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 | $0.00 | $7,705.56 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225205125 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,195.00 | $2,977.86 | 7.431% | $3,453.38 | $3,453.38 | 7.375% | No | No | Employed | US Citizen | $25,638.21 | 1 | [Redacted] | $3,171.48 | [Redacted] | $264.29 | 49.886% | 49.886% | 49.886% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [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]; 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 | [Redacted] | $2,195.00 | 5.990% | $0.00 | 1.8 | None | Yes | No | 7.375% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $975,000.00 | 3.125% | 05/05/2021 | $876,408.00 | $4,176.67 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.59 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | 05/03/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225205128 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,965.00 | $5,919.12 | 8.751% | $1,922.28 | $1,922.28 | 8.500% | No | No | Self-Employed | US Citizen | $10,179.65 | 1 | [Redacted] | $3,357.96 | [Redacted] | $279.83 | 38.059% | 38.059% | 38.059% | [Redacted] | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,965.00 | 6.100% | $0.00 | 1.0 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $648,924.00 | 2.750% | 02/22/2021 | $577,293.39 | $2,649.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225208148 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,145.00 | $3,822.66 | 6.988% | $1,016.48 | $1,016.48 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $15,492.20 | 1 | [Redacted] | $2,828.04 | [Redacted] | $235.67 | 28.831% | 28.831% | 28.831% | [Redacted] | 728 | 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 - 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]; 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 | [Redacted] | $2,145.00 | 5.880% | $0.00 | 1.0 | None | Yes | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $260,000.00 | 2.750% | 08/09/2021 | $195,541.21 | $1,764.42 | 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 | $0.00 | $10,416.68 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225208151 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,086.14 | 7.323% | $1,056.81 | $1,056.81 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $13,638.26 | 1 | [Redacted] | $2,522.52 | [Redacted] | $210.21 | 25.447% | 25.447% | 25.447% | [Redacted] | 746 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,790.00 | 5.770% | $0.00 | 1.1 | None | No | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $290,200.00 | 3.250% | 04/10/2020 | $244,056.47 | $1,414.19 | 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 | $0.00 | $9,961.84 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225209242 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,131.86 | 7.460% | $682.18 | $682.18 | 7.250% | No | No | Self-Employed | US Citizen | $5,165.22 | 1 | [Redacted] | $3,648.96 | [Redacted] | $304.08 | 43.735% | 43.735% | 43.735% | [Redacted] | 779 | 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%)]; 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%)]; 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 - | 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%)]; 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]; 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 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.100% | $0.00 | None | N/A | No | 7.250% | 2 | 1 | 0 | 2 | 2 | 12.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $399,000.00 | 2.990% | 07/29/2021 | $360,190.00 | $1,680.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 09/29/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225209251 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,517.00 | $3,527.78 | 7.505% | $713.28 | $713.28 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $13,711.62 | 1 | [Redacted] | $2,046.00 | [Redacted] | $170.50 | 35.021% | 35.021% | 35.021% | [Redacted] | 749 | 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 - | Primary Income - Wages]; W-2 - 2024 [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]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [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 | [Redacted] | $2,517.00 | 5.840% | $0.00 | None | N/A | No | 7.000% | 2 | 2 | 0 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 25 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $335,200.00 | 3.875% | 12/01/2021 | $306,936.31 | $1,576.23 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.14 | No | $0.00 | $8,068.34 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225209268 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,120.00 | $2,153.20 | 7.157% | $665.30 | $665.30 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $5,579.73 | 1 | [Redacted] | $1,467.00 | [Redacted] | $122.25 | 37.313% | 37.313% | 37.313% | [Redacted] | 807 | 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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2020 |
[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 | [Redacted] | $2,120.00 | 6.100% | $0.00 | None | N/A | No | 7.000% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $307,500.00 | 2.875% | 11/20/2020 | $271,514.01 | $1,275.79 | 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 | $0.00 | $2,393.73 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225209420 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,290.00 | $1,560.83 | 7.061% | $2,558.49 | $2,558.49 | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,887.85 | 1 | [Redacted] | $6,624.00 | [Redacted] | $552.00 | 26.068% | 26.068% | 26.068% | [Redacted] | 759 | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[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]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,290.00 | 5.840% | $0.00 | 3.8 | None | No | No | 7.000% | 4 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $435,900.00 | 2.750% | 04/27/2020 | $353,044.81 | $1,779.52 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 240 | AE | 06/23/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225209424 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $2,648.42 | 7.426% | $1,023.26 | $1,023.26 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $17,091.88 | 1 | [Redacted] | $2,206.20 | [Redacted] | $183.85 | 38.150% | 38.150% | 38.150% | [Redacted] | 764 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,595.00 | 5.990% | $0.00 | 1.0 | None | No | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $697,000.00 | 2.749% | 11/30/2020 | $615,372.00 | $2,845.07 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.99 | No | No | $0.00 | $11,335.66 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225210861 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,041.25 | $2,733.81 | 8.348% | $456.79 | $456.79 | 7.875% | No | No | Employed | US Citizen | $3,705.92 | 1 | [Redacted] | $1,046.04 | [Redacted] | $87.17 | 45.080% | 45.080% | 45.080% | [Redacted] | 730 | No | No | [Borrower - | Primary Income - Wages]; Other - 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]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,041.25 | 6.180% | $0.00 | None | No | No | 7.875% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $313,000.00 | 5.125% | 01/03/2025 | $309,635.00 | $1,378.69 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225212113 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,110.12 | 7.657% | $781.37 | $781.37 | 7.375% | No | No | Employed | US Citizen | $14,149.46 | 1 | [Redacted] | $3,834.00 | [Redacted] | $319.50 | 21.988% | 21.988% | 21.988% | [Redacted] | 817 | 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 - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 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 | [Redacted] | $1,490.00 | 5.840% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $408,500.00 | 5.950% | 10/04/2022 | $263,247.66 | $2,436.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225212379 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,913.43 | 7.253% | $1,414.81 | $1,414.81 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $20,595.23 | 1 | [Redacted] | $1,543.56 | [Redacted] | $128.63 | 33.433% | 33.433% | 33.433% | [Redacted] | 756 | 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]; 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]; 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 | [Redacted] | $1,990.00 | 5.990% | $0.00 | None | N/A | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $822,375.00 | 3.875% | 01/24/2022 | $759,582.19 | $3,867.11 | 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 | $0.00 | $23,604.17 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225212383 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,412.50 | $4,247.24 | 7.400% | $875.83 | $875.83 | 7.125% | No | No | Employed | US Citizen | $4,369.64 | 1 | [Redacted] | $1,772.04 | [Redacted] | $147.67 | 47.115% | 47.115% | 47.115% | [Redacted] | 731 | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,412.50 | 6.140% | $0.00 | None | N/A | No | 7.125% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $239,112.00 | 3.375% | 07/27/2020 | $211,723.71 | $1,057.11 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225212521 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,682.63 | $2,776.33 | 7.594% | $985.49 | $985.49 | 7.375% | No | No | Non-Employment Income | US Citizen | $6,303.11 | 1 | [Redacted] | $1,301.88 | [Redacted] | $108.49 | 27.808% | 27.808% | 27.808% | [Redacted] | 792 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Non-Primary Income - Interest / Dividends]; Account Statements - 2025 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2024 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,682.63 | 5.840% | $0.00 | 3.3 | None | No | No | 7.375% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $217,948.00 | 3.500% | 12/16/2019 | $191,260.22 | $978.69 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225212573 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,545.22 | $4,939.24 | 8.590% | $1,179.49 | $1,179.49 | 8.250% | No | No | Employed | Employed | US Citizen | US Citizen | $4,318.81 | 1 | [Redacted] | $987.96 | [Redacted] | $82.33 | 49.928% | 49.928% | 49.928% | [Redacted] | 645 | 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]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [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]; 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]; 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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,545.22 | 6.060% | $0.00 | None | N/A | No | 8.250% | 1 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 3 | 25 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | 1 | $486,000.00 | 3.250% | 06/16/2020 | $428,355.09 | $2,115.10 | 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 | $0.00 | $3,163.46 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225216226 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,929.38 | 7.288% | $1,174.23 | $1,174.23 | 7.125% | No | No | Employed | US Citizen | $9,525.22 | 1 | [Redacted] | $2,155.32 | [Redacted] | $179.61 | 39.803% | 39.803% | 39.803% | [Redacted] | 754 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 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 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]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.770% | $0.00 | None | N/A | No | 7.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $341,000.00 | 3.000% | 01/11/2021 | $273,820.40 | $1,891.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225216229 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $3,266.30 | 7.125% | $1,197.54 | $1,197.54 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $15,604.29 | 1 | [Redacted] | $2,999.04 | [Redacted] | $249.92 | 29.529% | 29.529% | 29.529% | [Redacted] | 740 | 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]; 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 |
[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 | [Redacted] | $1,490.00 | 5.990% | $0.00 | None | N/A | No | 7.000% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 12 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $426,000.00 | 2.750% | 10/23/2020 | $373,701.00 | $1,739.11 | 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 | $0.00 | $10,436.40 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225216273 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,465.00 | $11,898.91 | 8.812% | $3,888.95 | $3,888.95 | 8.625% | No | No | Not Employed | Self-Employed | US Citizen | $14,667.11 | 1 | [Redacted] | $5,703.96 | [Redacted] | $475.33 | 41.484% | 41.484% | 41.484% | [Redacted] | 714 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,465.00 | 6.100% | $0.00 | 4.8 | None | No | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $1,237,500.00 | 3.500% | 08/20/2021 | $1,243,340.00 | $3,609.58 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.99 | No | $25,064.89 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225230120 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $4,204.33 | 7.465% | $2,214.57 | $2,214.57 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $27,371.25 | 1 | [Redacted] | $5,488.80 | [Redacted] | $457.40 | 17.084% | 17.084% | 17.084% | [Redacted] | 706 | 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 [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 |
[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 | [Redacted] | $1,690.00 | 5.860% | $0.00 | 2.6 | None | No | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $371,000.00 | 3.000% | 07/01/2020 | $284,806.00 | $1,564.15 | 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 | $0.00 | $15,637.59 | No | No | No | No | 1 | 300 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225230139 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,425.00 | $6,497.68 | 8.895% | $1,633.36 | $1,633.36 | 8.625% | No | No | Self-Employed | US Citizen | $42,474.46 | 1 | [Redacted] | $1,543.56 | [Redacted] | $128.63 | 17.988% | 17.988% | 17.988% | [Redacted] | 715 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 2 | 0 | 0 | [Redacted] | $4,425.00 | 6.100% | $0.00 | 1.0 | None | No | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $402,000.00 | 3.000% | 12/23/2021 | $364,603.99 | $1,694.85 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225230490 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,389.98 | 6.939% | $2,299.25 | $2,299.25 | 6.875% | No | No | Employed | US Citizen | $20,301.76 | 1 | [Redacted] | $1,679.76 | [Redacted] | $139.98 | 22.041% | 22.041% | 22.041% | [Redacted] | 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 - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,690.00 | 6.130% | $0.00 | 2.1 | None | No | No | 6.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $580,000.00 | 2.875% | 02/09/2021 | $516,812.80 | $2,406.38 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225232690 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $6,306.00 | 8.448% | $3,503.93 | $3,503.93 | 8.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $196,739.09 | 1 | [Redacted] | $9,279.96 | [Redacted] | $773.33 | 10.020% | 10.020% | 10.020% | [Redacted] | 733 | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.130% | $0.00 | 1.5 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual | 1 | $985,818.00 | 4.125% | 02/04/2022 | $858,971.24 | $4,777.76 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.5 | No | $107,137.38 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225235237 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $10,375.00 | $11,113.88 | 8.883% | $3,471.29 | $3,471.29 | 8.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $48,929.77 | 1 | [Redacted] | $5,913.84 | [Redacted] | $492.82 | 48.468% | 48.468% | 48.468% | [Redacted] | 687 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,375.00 | 5.880% | $0.00 | 3.4 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $3,800,000.00 | 8.000% | 09/25/2025 | $3,797,450.00 | $27,883.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.85 | No | No | $60,717.74 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225237020 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,090.00 | $16,126.40 | 8.149% | $3,625.35 | $3,625.35 | 7.875% | No | No | Self-Employed | US Citizen | $116,589.28 | 1 | [Redacted] | $15,660.00 | [Redacted] | $1,305.00 | 30.811% | 30.811% | 30.811% | [Redacted] | 720 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 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 - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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 - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,090.00 | 5.990% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 2 | 0 | 2 | 2 | 12.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $2,152,500.00 | 02/03/2026 | $2,152,500.00 | $14,140.39 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 249.92 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225237023 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,887.50 | $2,658.95 | 8.199% | $394.03 | $394.03 | 7.750% | No | No | Employed | US Citizen | $3,677.20 | 1 | [Redacted] | $971.04 | [Redacted] | $80.92 | 38.713% | 38.713% | 38.713% | [Redacted] | 683 | No | No | [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 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,887.50 | 6.100% | $0.00 | 1.0 | None | Yes | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $360,000.00 | 7.550% | 08/30/2006 | $105,847.84 | $875.59 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225237026 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,489.95 | $2,247.35 | 7.715% | $434.71 | $434.71 | 7.250% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $5,236.85 | 2 | [Redacted] | $1,406.04 | [Redacted] | $117.17 | 36.555% | 36.555% | 36.555% | [Redacted] | 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 - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - Year Not Available |
[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 | [Redacted] | $1,489.95 | 5.880% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $82,500.00 | 2.750% | 01/27/2021 | $54,140.59 | $559.86 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.5 | No | $1,707.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225237028 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,375.02 | $4,998.22 | 8.104% | $1,290.62 | $1,290.62 | 7.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $5,416.65 | 1 | [Redacted] | $2,226.96 | [Redacted] | $185.58 | 49.973% | 49.973% | 49.973% | [Redacted] | 734 | No | Yes | 12 | Business | 40.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,375.02 | 6.060% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $456,400.00 | 2.990% | 03/08/2021 | $407,509.59 | $1,921.74 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.26 | No | $4,836.90 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225241304 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,589.76 | 7.223% | $864.89 | $864.89 | 7.000% | No | No | Employed | US Citizen | $4,506.39 | 1 | [Redacted] | $1,569.00 | [Redacted] | $130.75 | 38.104% | 38.104% | 38.104% | [Redacted] | 743 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | [Redacted] | $1,990.00 | 6.140% | $0.00 | None | N/A | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $251,813.00 | 4.500% | 07/26/2011 | $171,902.00 | $1,275.90 | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225241635 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,015.00 | $3,412.80 | 8.392% | $1,314.72 | $1,314.72 | 8.250% | No | No | Employed | US Citizen | $12,737.19 | 1 | [Redacted] | $8,304.96 | [Redacted] | $692.08 | 36.742% | 36.742% | 36.742% | [Redacted] | 641 | 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 - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,015.00 | 6.100% | $0.00 | None | N/A | No | 8.250% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 24 | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $468,500.00 | 3.375% | 01/04/2022 | $430,646.00 | $2,071.22 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225245065 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $6,590.00 | $15,561.14 | 9.225% | $4,458.51 | $4,458.51 | 8.875% | No | No | Not Employed | Self-Employed | US Citizen | $234,261.48 | 3 | [Redacted] | $4,839.96 | [Redacted] | $403.33 | 11.406% | 11.406% | 11.406% | [Redacted] | 706 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,590.00 | 5.840% | $0.00 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $600,000.00 | 4.250% | 10/05/2010 | $440,876.60 | $2,951.64 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.16 | No | No | $264,421.71 | $0.00 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225245172 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $12,550.00 | $14,409.74 | 7.697% | $3,211.64 | $3,211.64 | 7.375% | No | No | Employed | US Citizen | $9,319.38 | 1 | [Redacted] | $3,077.04 | [Redacted] | $256.42 | 31.080% | 31.080% | 31.080% | [Redacted] | 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]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Royalty]; 1099 - 2024 [Borrower - | Non-Primary Income - Royalty]; 1099 - 2023 [Borrower - | Non-Primary Income - Royalty]; Royalty Agreement - 2023 |
[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 | [Redacted] | $12,550.00 | 6.100% | $0.00 | 4.3 | None | No | No | 7.375% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | 35 | Yes | Final | Fee Simple | Individual | Individual | 1 | $380,000.00 | 2.250% | 06/28/2021 | $338,518.76 | $1,452.54 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225246550 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,862.05 | 7.335% | $2,568.72 | $2,568.72 | 7.250% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $10,305.44 | 1 | [Redacted] | $2,352.96 | [Redacted] | $196.08 | 36.335% | 36.335% | 36.335% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 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]; Paystubs - 2025 [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 |
[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 | [Redacted] | $1,690.00 | 5.920% | $0.00 | 1.6 | None | No | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $504,500.00 | 2.750% | 06/18/2021 | $452,630.71 | $2,059.58 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.63 | No | $0.00 | $10,765.08 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225250430 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $895.00 | $1,448.04 | 7.193% | $581.47 | $581.47 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $18,160.14 | 1 | [Redacted] | $2,552.04 | [Redacted] | $212.67 | 17.384% | 17.384% | 17.384% | [Redacted] | 820 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $895.00 | 5.840% | $0.00 | 1.0 | None | Yes | No | 7.000% | 3 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 12 | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $333,000.00 | 2.500% | 11/09/2020 | $260,377.99 | $1,764.58 | 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 | $0.00 | $10,260.66 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225250440 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,750.00 | $5,932.34 | 7.349% | $997.95 | $997.95 | 7.000% | No | No | Employed | Permanent Resident Alien | $2,242.25 | 1 | [Redacted] | $2,403.00 | [Redacted] | $200.25 | 36.602% | 36.602% | 36.602% | [Redacted] | 804 | 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 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,750.00 | 6.130% | $0.00 | 4.2 | None | No | No | 7.000% | 3 | 1 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 24 | Yes | Final | Fee Simple | Individual | Individual | 1 | $223,440.00 | 3.375% | 04/10/2020 | $194,819.90 | $987.82 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225250707 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,290.00 | $4,028.18 | 7.786% | $874.02 | $874.02 | 7.500% | No | No | Employed | US Citizen | $4,161.82 | 1 | [Redacted] | $1,419.96 | [Redacted] | $118.33 | 49.376% | 49.376% | 49.376% | [Redacted] | 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 - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Other - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Other - 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 | [Redacted] | $2,290.00 | 5.980% | $0.00 | None | No | No | 7.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $226,000.00 | 3.250% | 10/18/2021 | $200,533.06 | $983.57 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 105.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225251922 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,750.00 | $3,680.00 | 7.401% | $1,227.92 | $1,227.92 | 7.250% | No | No | Employed | Permanent Resident Alien | $5,939.93 | 1 | [Redacted] | $2,013.96 | [Redacted] | $167.83 | 47.198% | 47.198% | 47.198% | [Redacted] | 726 | 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]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,750.00 | 5.990% | $0.00 | 2.0 | None | No | No | 7.250% | 1 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $230,500.00 | 6.500% | 12/15/2022 | $222,241.00 | $1,456.92 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225253895 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $4,213.98 | 7.610% | $1,036.01 | $1,036.01 | 7.375% | No | No | Self-Employed | US Citizen | $87,797.46 | 1 | [Redacted] | $5,743.08 | [Redacted] | $478.59 | 11.075% | 11.075% | 11.075% | [Redacted] | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.100% | $0.00 | 1.8 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $252,000.00 | 4.990% | 08/10/2018 | $209,892.00 | $1,351.25 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AH | 08/28/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225254216 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $6,935.00 | $10,616.76 | 9.459% | $3,455.24 | $3,455.24 | 9.250% | No | No | Self-Employed | US Citizen | $79,292.65 | 1 | [Redacted] | $1,548.48 | [Redacted] | $129.04 | 35.688% | 35.688% | 35.688% | [Redacted] | 735 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2007 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2007 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,935.00 | 6.250% | $0.00 | 1.0 | None | No | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $1,113,500.00 | 6.250% | 12/26/2025 | $1,113,500.00 | $5,799.48 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.6 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225256677 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $882.91 | $2,319.35 | 6.736% | $1,680.96 | $1,680.96 | 6.625% | No | No | Employed | US Citizen | $4,132.55 | 1 | [Redacted] | $1,848.00 | [Redacted] | $154.00 | 48.698% | 48.698% | 48.698% | [Redacted] | 741 | 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 - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $882.91 | 5.460% | $0.00 | None | N/A | No | 6.625% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $147,283.00 | 3.500% | 08/08/2012 | $95,137.00 | $661.37 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225256762 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,832.00 | $4,837.86 | 8.314% | $1,479.58 | $1,479.58 | 7.875% | No | No | Employed | US Citizen | $13,256.19 | 1 | [Redacted] | $1,856.04 | [Redacted] | $154.67 | 38.103% | 38.103% | 38.103% | [Redacted] | 641 | 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 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $3,832.00 | 5.590% | $0.00 | None | N/A | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $337,217.00 | 4.125% | 07/26/2019 | $294,679.28 | $1,634.32 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225257388 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $6,730.46 | 9.452% | $4,158.75 | $4,158.75 | 9.375% | No | No | Self-Employed | US Citizen | $61,037.22 | 1 | [Redacted] | $3,399.00 | [Redacted] | $283.25 | 12.805% | 12.805% | 12.805% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,390.00 | 5.980% | $0.00 | 1.6 | None | No | No | 9.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $563,825.00 | 4.375% | 04/19/2018 | $512,480.95 | $2,340.34 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225258210 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,868.86 | 6.832% | $1,491.78 | $1,491.78 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $8,499.53 | 1 | [Redacted] | $11,313.72 | [Redacted] | $942.81 | 45.389% | 45.389% | 45.389% | [Redacted] | 740 | No | No | [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [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]; 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 - 2025 [Coborrower(s) - | 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 [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 | [Redacted] | $1,690.00 | 6.130% | $0.00 | None | N/A | No | 6.750% | 1 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 13 | 17 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $485,812.00 | 3.250% | 04/24/2020 | $425,317.94 | $2,114.28 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.25 | No | $0.00 | $4,831.97 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225258212 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,390.66 | $4,295.02 | 8.659% | $1,024.43 | $1,024.43 | 8.375% | No | No | Self-Employed | US Citizen | $125,533.67 | 1 | [Redacted] | $2,969.28 | [Redacted] | $247.44 | 14.853% | 14.853% | 14.853% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,390.66 | 5.990% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $394,500.00 | 3.625% | 11/02/2021 | $361,769.61 | $1,799.12 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225258282 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $2,341.00 | $2,624.59 | 9.550% | $445.85 | $445.85 | 8.875% | No | No | Employed | US Citizen | $5,857.59 | 1 | [Redacted] | $699.96 | [Redacted] | $58.33 | 33.938% | 33.938% | 33.938% | [Redacted] | 747 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,341.00 | 5.880% | $0.00 | 2.6 | None | No | No | 8.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $240,000.00 | 6.575% | 03/24/2025 | $238,032.00 | $1,528.82 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225258330 | [Redacted] | [Redacted] | N/A | No | No | $813.63 | $813.63 | 9.125% | No | No | US Citizen | 3 | [Redacted] | $741.00 | [Redacted] | $61.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.71 | 0.58 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $125,051.00 | 3.990% | 06/05/2020 | $111,754.66 | $596.29 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225258738 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $3,416.89 | 8.747% | $1,604.58 | $1,604.58 | 8.625% | No | No | Self-Employed | US Citizen | $30,293.21 | 1 | [Redacted] | $3,083.04 | [Redacted] | $256.92 | 26.388% | 26.388% | 26.388% | [Redacted] | 688 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 |
[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 | [Redacted] | $1,590.00 | 6.100% | $0.00 | 2.5 | None | No | No | 8.625% | 2 | 0 | 0 | 3 | 0 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $358,000.00 | 4.000% | 09/30/2019 | $297,618.00 | $1,709.15 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225260899 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,794.64 | 7.367% | $673.72 | $673.72 | 7.125% | No | No | Employed | US Citizen | $11,932.68 | 1 | [Redacted] | $2,796.00 | [Redacted] | $233.00 | 30.309% | 30.309% | 30.309% | [Redacted] | 711 | 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 | [Redacted] | $1,690.00 | 6.100% | $0.00 | 1.0 | None | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $343,000.00 | 3.625% | 03/26/2020 | $302,551.85 | $1,564.26 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225263069 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,682.14 | $4,614.66 | 8.943% | $789.47 | $789.47 | 8.500% | No | No | Self-Employed | Permanent Resident Alien | $8,177.13 | 1 | [Redacted] | $1,433.04 | [Redacted] | $119.42 | 14.084% | 14.084% | 14.084% | [Redacted] | 727 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,682.14 | 6.100% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $230,000.00 | 6.990% | 10/03/2025 | $229,429.99 | $1,528.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 31.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225263125 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,023.74 | $3,845.75 | 8.762% | $729.67 | $729.67 | 8.375% | No | No | Self-Employed | US Citizen | $3,608.55 | 1 | [Redacted] | $1,337.16 | [Redacted] | $111.43 | 49.409% | 49.409% | 49.409% | [Redacted] | 731 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,023.74 | 5.990% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $147,184.00 | 4.875% | 11/30/2017 | $125,328.00 | $778.91 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225263207 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,695.00 | $7,462.84 | 8.405% | $2,854.81 | $2,854.81 | 8.250% | No | No | Self-Employed | US Citizen | $48,552.18 | 1 | [Redacted] | $5,705.04 | [Redacted] | $475.42 | 39.291% | 39.291% | 39.291% | [Redacted] | 800 | No | Yes | 12 | Business | 100.000% | 42.500% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 42.50% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,695.00 | 5.990% | $0.00 | 1.8 | None | N/A | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $2,470,000.00 | 6.875% | 02/01/2026 | $2,470,000.00 | $16,226.14 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225264040 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $795.00 | $1,849.30 | 6.681% | $1,001.77 | $1,001.77 | 6.500% | No | No | Employed | US Citizen | $4,881.65 | 1 | [Redacted] | $3,787.56 | [Redacted] | $315.63 | 49.826% | 49.826% | 49.826% | [Redacted] | 790 | 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $795.00 | 5.530% | $0.00 | 1.6 | None | No | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $322,850.00 | 3.125% | 11/08/2016 | $180,891.45 | $1,810.79 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225265073 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $3,404.68 | 7.595% | $1,287.12 | $1,287.12 | 7.375% | No | No | Employed | US Citizen | $6,825.45 | 1 | [Redacted] | $3,762.96 | [Redacted] | $313.58 | 49.846% | 49.846% | 49.846% | [Redacted] | 717 | 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]; VVOE - 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 - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 5.860% | $0.00 | 1.0 | None | N/A | No | 7.375% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $340,000.00 | 2.625% | 12/23/2020 | $299,466.58 | $1,365.61 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225266263 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,381.40 | 7.657% | $524.91 | $524.91 | 7.375% | No | No | Employed | US Citizen | $4,082.73 | 1 | [Redacted] | $1,914.48 | [Redacted] | $159.54 | 38.759% | 38.759% | 38.759% | [Redacted] | 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]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[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 | [Redacted] | $1,690.00 | 5.990% | $0.00 | 1.3 | None | N/A | No | 7.375% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 41.500% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $311,773.00 | 3.750% | 04/15/2020 | $276,835.00 | $1,447.83 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 75.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225267515 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,290.00 | $4,640.44 | 7.997% | $1,146.26 | $1,146.26 | 7.750% | No | No | Employed | US Citizen | $5,196.21 | 1 | [Redacted] | $2,649.84 | [Redacted] | $220.82 | 48.908% | 48.908% | 48.908% | [Redacted] | 760 | Yes | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Transcripts - No Results Returned (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,290.00 | 5.980% | $0.00 | 4.2 | None | Yes | No | 7.750% | 3 | 1 | 0 | 3 | 1 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $326,690.00 | 3.125% | 01/24/2022 | $299,294.12 | $1,399.46 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225267705 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,604.36 | 6.973% | $635.63 | $635.63 | 6.750% | No | No | Employed | US Citizen | $3,740.72 | 1 | [Redacted] | $3,095.76 | [Redacted] | $257.98 | 43.011% | 43.011% | 43.011% | [Redacted] | 793 | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 6.100% | $0.00 | None | N/A | No | 6.750% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $240,000.00 | 2.875% | 12/31/2020 | $192,242.53 | $1,316.07 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225269245 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,095.00 | $4,098.34 | 8.356% | $2,141.11 | $2,141.11 | 8.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $31,741.56 | 1 | [Redacted] | $1,797.96 | [Redacted] | $149.83 | 42.634% | 42.634% | 42.634% | [Redacted] | 799 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,095.00 | 6.130% | $0.00 | 2.4 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $393,750.00 | 3.125% | 12/09/2020 | $347,794.78 | $1,686.73 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225278884 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,735.13 | $2,920.50 | 8.243% | $1,905.14 | $1,905.14 | 8.125% | No | No | Self-Employed | US Citizen | $6,600.17 | 1 | [Redacted] | $2,421.00 | [Redacted] | $201.75 | 43.459% | 43.459% | 43.459% | [Redacted] | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,735.13 | 5.840% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $278,069.00 | 3.250% | 11/02/2012 | $157,713.13 | $1,210.17 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225279365 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,990.13 | 7.839% | $1,611.93 | $1,611.93 | 7.750% | No | No | Self-Employed | US Citizen | $12,486.94 | 1 | [Redacted] | $6,599.04 | [Redacted] | $549.92 | 37.867% | 37.867% | 37.867% | [Redacted] | 769 | No | Yes | 24 | Business | 82.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Other - 2012 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Other - 2015 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,590.00 | 5.990% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $497,700.00 | 2.375% | 10/02/2020 | $373,802.21 | $2,607.12 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225279940 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,127.82 | $2,872.16 | 8.190% | $851.13 | $851.13 | 7.875% | No | No | Employed | US Citizen | $11,112.88 | 1 | [Redacted] | $1,133.64 | [Redacted] | $94.47 | 34.785% | 34.785% | 34.785% | [Redacted] | 670 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 2 | 0 | 0 | [Redacted] | $2,127.82 | 5.850% | $0.00 | None | N/A | No | 7.875% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $488,000.00 | 4.125% | 02/18/2022 | $448,891.00 | $2,463.11 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225286394 | [Redacted] | [Redacted] | N/A | No | No | $2,705.19 | $2,705.19 | 8.875% | No | No | US Citizen | 1 | [Redacted] | $1,539.96 | [Redacted] | $128.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $456,000.00 | 2.990% | 12/16/2020 | $404,428.77 | $1,920.06 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225288767 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,085.97 | $2,763.13 | 9.147% | $350.39 | $350.39 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $7,320.80 | 1 | [Redacted] | $3,473.52 | [Redacted] | $289.46 | 43.641% | 43.641% | 43.641% | [Redacted] | 656 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [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 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]; 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 | [Redacted] | $2,085.97 | 6.140% | $0.00 | 1.0 | None | No | No | 8.500% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 19 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $347,878.00 | 3.875% | 05/06/2022 | $323,689.56 | $1,635.85 | 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 | $0.00 | $4,862.95 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225291782 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,106.50 | $4,058.38 | 9.717% | $1,011.82 | $1,011.82 | 9.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,086.77 | 1 | [Redacted] | $2,058.96 | [Redacted] | $171.58 | 46.438% | 46.438% | 46.438% | [Redacted] | 706 | No | Yes | 24 | Personal | 52.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 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 - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 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]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,106.50 | 5.980% | $0.00 | 1.0 | None | No | No | 9.375% | 0 | 1 | 0 | 0 | 3 | 2 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $377,000.00 | 3.625% | 11/23/2021 | $346,066.59 | $1,719.31 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.61 | No | No | $0.00 | $6,392.60 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225293941 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $5,849.91 | 7.576% | $1,726.69 | $1,726.69 | 7.375% | No | No | Employed | US Citizen | $7,754.30 | 1 | [Redacted] | $1,108.56 | [Redacted] | $92.38 | 49.003% | 49.003% | 49.003% | [Redacted] | 736 | No | No | [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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,990.00 | 6.100% | $0.00 | None | N/A | No | 7.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 36 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $540,000.00 | 3.375% | 04/16/2021 | $487,147.97 | $2,385.83 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225293943 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $3,986.30 | 6.851% | $1,945.79 | $1,945.79 | 6.750% | No | Yes | Non-Employment Income | Non-Employment Income | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $16,046.95 | 1 | [Redacted] | $6,347.40 | [Redacted] | $528.95 | 40.003% | 40.003% | 40.003% | [Redacted] | 812 | 784 | 821 | 812 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Yes | No | [Borrower - | Primary Income - Asset Depletion]; 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) - | 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) - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[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 | [Redacted] | $1,590.00 | 5.980% | $0.00 | 3.7 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | 1 | $1,002,000.00 | 3.250% | 12/10/2021 | $917,695.92 | $4,360.77 | 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 | 287.56 | No | No | $23,894.77 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225295254 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $1,760.30 | 7.253% | $3,410.88 | $3,410.88 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $31,629.54 | 1 | [Redacted] | $8,788.56 | [Redacted] | $732.38 | 42.837% | 42.837% | 42.837% | [Redacted] | 799 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | 6.130% | $0.00 | 3.7 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $1,527,100.00 | 3.375% | 07/23/2021 | $1,380,449.92 | $6,751.25 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225295255 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,534.35 | 7.106% | $1,744.42 | $1,744.42 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $14,001.24 | 1 | [Redacted] | $2,277.96 | [Redacted] | $189.83 | 36.213% | 36.213% | 36.213% | [Redacted] | 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 [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]; 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 | [Redacted] | $1,690.00 | 5.770% | $0.00 | 1.7 | None | Yes | No | 7.000% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 11 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $445,000.00 | 2.875% | 12/10/2010 | $394,485.35 | $1,846.27 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43 | No | $0.00 | $8,616.50 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225297931 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $2,922.64 | 7.634% | $718.30 | $718.30 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $10,511.47 | 1 | [Redacted] | $914.04 | [Redacted] | $76.17 | 23.868% | 23.868% | 23.868% | [Redacted] | 769 | 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 [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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,990.00 | 5.990% | $0.00 | None | N/A | No | 7.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 0 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $250,000.00 | 2.990% | 03/23/2021 | $222,961.25 | $1,052.66 | 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 | $0.00 | $6,298.62 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225297939 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $6,970.00 | $9,040.34 | 8.762% | $1,778.57 | $1,778.57 | 8.375% | No | No | Employed | US Citizen | $10,499.81 | 1 | [Redacted] | $2,304.24 | [Redacted] | $192.02 | 48.488% | 48.488% | 48.488% | [Redacted] | 751 | 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 - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,970.00 | 6.130% | $0.00 | 1.0 | None | N/A | No | 8.375% | 3 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $615,000.00 | 3.250% | 04/12/2021 | $552,784.27 | $2,676.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225298142 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,489.41 | $3,671.23 | 9.256% | $767.56 | $767.56 | 8.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $4,678.94 | 1 | [Redacted] | $1,901.04 | [Redacted] | $158.42 | 39.173% | 39.173% | 39.173% | [Redacted] | 647 | No | No | [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 - 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,489.41 | 6.130% | $0.00 | None | N/A | No | 8.875% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $131,750.00 | 4.625% | 04/30/2018 | $113,065.00 | $677.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.92 | No | $0.00 | $6,311.44 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225298154 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,706.53 | $4,134.45 | 8.216% | $1,275.21 | $1,275.21 | 8.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,354.11 | 1 | [Redacted] | $5,535.12 | [Redacted] | $461.26 | 47.521% | 47.521% | 47.521% | [Redacted] | 667 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-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 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,706.53 | 5.990% | $0.00 | 1.0 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $292,451.00 | 3.125% | 03/03/2021 | $261,740.45 | $1,252.79 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.86 | No | $1,583.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225298253 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,387.53 | $4,555.74 | 8.145% | $1,043.88 | $1,043.88 | 7.875% | No | No | Employed | US Citizen | $4,394.11 | 1 | [Redacted] | $615.24 | [Redacted] | $51.27 | 41.879% | 41.879% | 41.879% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower - | Non-Primary Income - Wages]; Other - 2025 [Borrower - | Non-Primary Income - Wages]; Other - 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,387.53 | 6.310% | $0.00 | None | N/A | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 20.520% | No | 18 | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $242,528.53 | 2.750% | 05/29/2020 | $242,528.53 | $1,077.97 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225298739 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,090.00 | $3,726.30 | 8.028% | $1,450.14 | $1,450.14 | 7.875% | No | No | Employed | US Citizen | $8,354.13 | 1 | [Redacted] | $1,266.48 | [Redacted] | $105.54 | 39.432% | 39.432% | 39.432% | [Redacted] | 812 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,090.00 | 5.980% | $0.00 | 1.0 | None | No | No | 7.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 20 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $367,200.00 | 2.875% | 03/01/2021 | $325,758.27 | $1,523.49 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225319249 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $7,850.00 | $10,997.34 | 9.222% | $2,490.37 | $2,490.37 | 8.875% | No | No | Self-Employed | US Citizen | $615,556.89 | 1 | [Redacted] | $5,690.52 | [Redacted] | $474.21 | 12.177% | 12.177% | 12.177% | [Redacted] | 800 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,850.00 | 6.020% | $0.00 | 1.8 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $858,500.00 | 3.250% | 11/10/2021 | $784,662.00 | $3,736.25 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.32 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225330682 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,488.47 | 7.844% | $736.11 | $736.11 | 7.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,782.07 | 1 | [Redacted] | $2,274.84 | [Redacted] | $189.57 | 32.917% | 32.917% | 32.917% | [Redacted] | 728 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; VVOE - 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 - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.100% | $0.00 | 1.4 | None | Yes | No | 7.625% | 3 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $173,475.00 | 3.500% | 02/02/2021 | $156,248.94 | $778.98 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225330791 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,995.00 | $4,114.25 | 8.577% | $1,292.16 | $1,292.16 | 8.250% | No | No | Employed | US Citizen | $6,930.46 | 1 | [Redacted] | $1,071.00 | [Redacted] | $89.25 | 43.598% | 43.598% | 43.598% | [Redacted] | 755 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; WVOE - 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 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,995.00 | 5.770% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 0 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $377,000.00 | 3.250% | 12/03/2021 | $344,575.13 | $1,640.73 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 90.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225330792 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,510.15 | 7.616% | $635.42 | $635.42 | 7.375% | No | No | Employed | US Citizen | $16,072.60 | 1 | [Redacted] | $1,803.00 | [Redacted] | $150.25 | 22.128% | 22.128% | 22.128% | [Redacted] | 754 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,790.00 | 5.990% | $0.00 | 1.9 | None | No | No | 7.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $265,000.00 | 3.125% | 10/23/2020 | $211,501.34 | $1,486.32 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225331045 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,405.70 | $6,528.16 | 8.157% | $1,603.85 | $1,603.85 | 7.875% | No | No | Employed | US Citizen | $6,030.79 | 1 | [Redacted] | $9,916.92 | [Redacted] | $826.41 | 48.991% | 48.991% | 48.991% | [Redacted] | 660 | 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 - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 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 - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 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 - | Non-Primary Income - Housing Allowance]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2026 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; Account Statements - 2026 [Borrower - | Non-Primary Income - Housing Allowance]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; Account Statements - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Account Transcripts - 2022 [Borrower]; Account Transcripts - 2021 [Borrower]; Account Transcripts - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,405.70 | 5.990% | $0.00 | None | N/A | No | 7.875% | 3 | 2 | 0 | 3 | 5 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $351,572.00 | 2.875% | 11/19/2020 | $307,787.43 | $1,458.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225331479 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,290.00 | $2,757.16 | 7.957% | $566.23 | $566.23 | 7.625% | No | No | Employed | US Citizen | $2,989.61 | 1 | [Redacted] | $951.96 | [Redacted] | $79.33 | 40.750% | 40.750% | 40.750% | [Redacted] | 731 | 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 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 | [Redacted] | $1,290.00 | 6.100% | $0.00 | 1.0 | None | No | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $187,600.00 | 3.375% | 09/15/2021 | $170,709.01 | $829.37 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225335371 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,660.00 | $5,379.70 | 9.348% | $954.77 | $954.77 | 8.875% | No | No | Employed | Employed | US Citizen | US Citizen | $9,709.42 | 4 | [Redacted] | $2,409.00 | [Redacted] | $200.75 | 41.842% | 41.842% | 41.842% | [Redacted] | 702 | 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 - | Primary Income - Wages]; 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 - 2024 [Coborrower(s) - | 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]; Transcripts (1040) - 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 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,660.00 | 6.100% | $0.00 | None | No | No | 8.875% | 3 | 3 | 1 | 0 | 3 | 3 | 0.00 | No | [Redacted] | [Redacted] | No | 27 | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $556,332.00 | 2.250% | 11/12/2021 | $499,492.11 | $2,126.56 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.83 | No | No | $0.00 | $9,999.99 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225335373 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $2,492.50 | $2,220.70 | 9.669% | $640.45 | $640.45 | 9.375% | No | No | Self-Employed | US Citizen | $25,622.79 | 1 | [Redacted] | $1,430.52 | [Redacted] | $119.21 | 23.320% | 23.320% | 23.320% | [Redacted] | 698 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,492.50 | 6.100% | $0.00 | 2.7 | None | Yes | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $484,208.00 | 4.125% | 07/10/2019 | $416,116.76 | $2,302.09 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225337682 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,862.02 | $2,701.12 | 8.035% | $1,475.05 | $1,475.05 | 7.875% | No | No | Employed | US Citizen | $4,667.42 | 1 | [Redacted] | $1,406.04 | [Redacted] | $117.17 | 41.462% | 41.462% | 41.462% | [Redacted] | 744 | 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,862.02 | 5.750% | $0.00 | None | N/A | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $86,041.00 | 3.250% | 08/05/2024 | $57,737.00 | $374.46 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225345304 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,865.50 | $2,820.08 | 7.125% | $1,264.07 | $1,264.07 | 7.000% | No | No | Employed | US Citizen | $6,762.90 | 1 | [Redacted] | $2,321.04 | [Redacted] | $193.42 | 35.628% | 35.628% | 35.628% | [Redacted] | 753 | 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 | [Redacted] | $1,865.50 | 6.130% | $0.00 | 2.0 | None | No | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $260,000.00 | 3.375% | 03/12/2020 | $228,203.20 | $1,098.34 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225345305 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,268.74 | $2,427.86 | 8.009% | $442.98 | $442.98 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $26,034.42 | 1 | [Redacted] | $2,504.28 | [Redacted] | $208.69 | 15.019% | 15.019% | 15.019% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [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%)]; 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%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 - 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 [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]; Transcripts (1040) - 2024 [Borrower]; 1040 - 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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,268.74 | 5.980% | $0.00 | None | No | No | 7.625% | 2 | 2 | 2 | 0 | 2 | 2 | No | Not Stated | [Redacted] | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $275,500.00 | 4.875% | 03/15/2019 | $226,213.36 | $1,457.97 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 108.53 | No | $0.00 | $11,929.53 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225345306 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,485.86 | 7.579% | $742.48 | $742.48 | 7.375% | No | No | Non-Employment Income | US Citizen | $18,347.25 | 1 | [Redacted] | $1,325.04 | [Redacted] | $110.42 | 17.352% | 17.352% | 17.352% | [Redacted] | 793 | 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]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.100% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $368,000.00 | 2.990% | 11/01/2020 | $325,644.89 | $1,549.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 672.25 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225345325 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,541.58 | 9.738% | $891.31 | $891.31 | 9.500% | No | No | Self-Employed | US Citizen | $212,004.12 | 1 | [Redacted] | $3,497.04 | [Redacted] | $291.42 | 4.173% | 4.173% | 4.173% | [Redacted] | 663 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.980% | $0.00 | 1.6 | None | Yes | No | 9.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $476,630.00 | 3.990% | 11/10/2021 | $439,804.86 | $2,272.76 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225352660 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,648.28 | $4,537.06 | 9.891% | $649.09 | $649.09 | 9.250% | No | No | Employed | US Citizen | $11,198.91 | 1 | [Redacted] | $2,687.88 | [Redacted] | $223.99 | 48.133% | 48.133% | 48.133% | [Redacted] | 739 | Yes | 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]; 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 - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[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 | [Redacted] | $3,648.28 | 5.990% | $0.00 | None | N/A | No | 9.250% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $395,000.00 | 2.750% | 06/25/2021 | $354,388.00 | $1,612.56 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225355672 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $316.31 | 7.500% | $1,160.95 | $1,160.95 | 7.500% | No | No | Employed | US Citizen | $7,795.64 | 1 | [Redacted] | $905.04 | [Redacted] | $75.42 | 30.705% | 30.705% | 30.705% | [Redacted] | 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]; Employer Letter - 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 | [Redacted] | 5.980% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 24.510% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $277,648.00 | 2.375% | 08/26/2021 | $233,299.71 | $1,079.09 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225356020 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,660.12 | $4,213.72 | 8.694% | $926.92 | $926.92 | 8.000% | No | No | Employed | US Citizen | $8,554.32 | 1 | [Redacted] | $1,220.04 | [Redacted] | $101.67 | 26.354% | 26.354% | 26.354% | [Redacted] | 662 | No | Yes | 12 | Business | 76.000% | [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 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $3,660.12 | 5.580% | $0.00 | None | N/A | No | 8.000% | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $134,612.00 | 3.750% | 01/14/2011 | $106,167.80 | $790.61 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225356027 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,290.00 | $4,034.25 | 7.110% | $2,095.70 | $2,095.70 | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,499.76 | 1 | [Redacted] | $2,874.00 | [Redacted] | $239.50 | 30.002% | 30.002% | 30.002% | [Redacted] | 808 | 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 Transcript - No Results Returned - 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 | [Redacted] | $2,290.00 | 6.100% | $0.00 | 2.6 | None | No | No | 7.000% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | No | [Redacted] | No | 1 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $408,000.00 | 3.500% | 04/12/2004 | $314,240.33 | $1,486.88 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225356043 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,095.00 | $2,316.52 | 7.341% | $648.93 | $648.93 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $11,824.17 | 1 | [Redacted] | $3,612.36 | [Redacted] | $301.03 | 24.349% | 24.349% | 24.349% | [Redacted] | 809 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,095.00 | 5.770% | $0.00 | None | N/A | No | 7.000% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $350,000.00 | 3.990% | 05/03/2022 | $324,787.42 | $1,668.94 | 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 | $0.00 | $10,297.75 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225361027 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,000.00 | $2,762.57 | 8.923% | $3,357.62 | $3,357.62 | 8.875% | No | No | Self-Employed | US Citizen | $22,015.35 | 1 | [Redacted] | $6,692.04 | [Redacted] | $557.67 | 43.574% | 43.574% | 43.574% | [Redacted] | 696 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,000.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $647,200.00 | 3.125% | 01/10/2022 | $591,697.95 | $2,772.45 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.59 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 11/26/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225361689 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $2,667.80 | 7.787% | $1,042.69 | $1,042.69 | 7.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,338.05 | 1 | [Redacted] | $1,598.04 | [Redacted] | $133.17 | 44.093% | 44.093% | 44.093% | [Redacted] | 726 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 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 - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 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 - | Non-Primary Income - Wages]; W-2 - 2023 [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 [Coborrower(s) - | 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]; 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 5.980% | $0.00 | None | N/A | No | 7.625% | 3 | 0 | 2 | 0 | 2 | 2 | 12.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $344,000.00 | 2.999% | 01/27/2021 | $299,899.35 | $1,550.16 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.35 | No | $7,108.29 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225363711 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $5,890.00 | $9,157.56 | 8.041% | $3,625.35 | $3,625.35 | 7.875% | No | No | Self-Employed | US Citizen | $37,724.08 | 1 | [Redacted] | $1,188.96 | [Redacted] | $99.08 | 42.756% | 42.756% | 42.756% | [Redacted] | 743 | No | No | Borrower Prepared | [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%)]; 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,890.00 | 6.020% | $0.00 | 4.6 | None | No | No | 7.875% | 1 | 1 | 0 | 3 | 1 | 12.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $302,250.00 | 4.490% | 12/28/2016 | $248,707.68 | $1,529.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225373294 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $895.00 | $1,457.52 | 7.614% | $598.48 | $598.48 | 7.375% | No | No | Employed | US Citizen | $11,999.92 | 1 | [Redacted] | $1,797.00 | [Redacted] | $149.75 | 24.662% | 24.662% | 24.662% | [Redacted] | 758 | 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]; 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 | [Redacted] | $895.00 | 5.750% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $308,000.00 | 3.875% | 01/30/2020 | $271,626.60 | $1,448.33 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225374039 | [Redacted] | [Redacted] | N/A | No | No | $822.68 | $822.68 | 9.250% | No | No | US Citizen | 1 | [Redacted] | $732.00 | [Redacted] | $61.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $182,326.00 | 3.500% | 01/01/2021 | $163,540.00 | $818.73 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225380950 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,504.55 | 7.971% | $377.58 | $377.58 | 7.500% | No | No | Employed | US Citizen | $11,864.97 | 1 | [Redacted] | $594.00 | [Redacted] | $49.50 | 33.777% | 33.777% | 33.777% | [Redacted] | 755 | 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 - No Results Returned - 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 | [Redacted] | $1,490.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $340,000.00 | 3.250% | 05/09/2020 | $286,695.43 | $1,479.70 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225380951 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,090.00 | $5,527.24 | 10.012% | $1,359.98 | $1,359.98 | 9.625% | No | No | Employed | US Citizen | $8,561.77 | 1 | [Redacted] | $2,700.96 | [Redacted] | $225.08 | 43.954% | 43.954% | 43.954% | [Redacted] | 725 | No | No | [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]; Paystubs - 2025 |
[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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,090.00 | 5.980% | $0.00 | None | N/A | No | 9.625% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [Redacted] | No | 7 | Yes | Final | Fee Simple | Individual | Individual | 1 | $491,000.00 | 3.375% | 01/01/2022 | $451,376.06 | $2,170.69 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225380952 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,790.00 | $8,410.52 | 7.524% | $2,046.53 | $2,046.53 | 7.250% | No | No | Employed | US Citizen | $44,418.33 | 1 | [Redacted] | $13,035.00 | [Redacted] | $1,086.25 | 42.327% | 42.327% | 42.327% | [Redacted] | 749 | Yes | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,790.00 | 5.990% | $0.00 | 1.0 | None | No | No | 7.250% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | Not Stated | [Redacted] | [Redacted] | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $2,990,000.00 | 5.625% | 09/18/2025 | $2,990,000.00 | $17,212.00 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225380954 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $3,337.52 | 7.560% | $3,006.62 | $3,006.62 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,969.58 | 1 | [Redacted] | $4,209.00 | [Redacted] | $350.75 | 40.734% | 40.734% | 40.734% | [Redacted] | 778 | 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]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Trust Income]; Other - 2024 [Borrower - | Non-Primary Income - Trust Income]; K-1 - 2023 [Borrower - | Non-Primary Income - Trust Income]; K-1 - 2023 [Borrower - | Non-Primary Income - Trust Income]; 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 [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 | [Redacted] | $1,890.00 | 5.990% | $0.00 | 1.0 | None | No | No | 7.500% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $546,607.00 | 2.250% | 09/10/2021 | $450,075.47 | $2,830.38 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225380957 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $4,901.31 | 7.230% | $1,330.60 | $1,330.60 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $20,159.61 | 1 | [Redacted] | $3,135.96 | [Redacted] | $261.33 | 25.384% | 25.384% | 25.384% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 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 [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]; 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 | [Redacted] | $1,490.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 7.000% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 25 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $510,000.00 | 3.000% | 07/13/2020 | $434,878.09 | $2,150.18 | 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 | $0.00 | $12,206.25 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225381570 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $1,139.29 | 7.009% | $3,326.51 | $3,326.51 | 7.000% | No | No | Not Employed | Non-Employment Income | Self-Employed | 2.56 | US Citizen | US Citizen | $17,400.74 | 1 | [Redacted] | $14,013.00 | [Redacted] | $1,167.75 | 44.354% | 44.354% | 44.354% | [Redacted] | 759 | 706 | 773 | 761 | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [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) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [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 - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[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 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,590.00 | 5.980% | $0.00 | 3.6 | None | No | No | 7.000% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | 1 | $1,047,000.00 | 3.500% | 10/01/2021 | $956,534.00 | $2,637.35 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $31,270.64 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225381647 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $3,182.38 | 8.259% | $1,296.48 | $1,296.48 | 8.000% | No | No | Self-Employed | US Citizen | $10,195.28 | 1 | [Redacted] | $2,753.04 | [Redacted] | $229.42 | 32.835% | 32.835% | 32.835% | [Redacted] | 686 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 5.770% | $0.00 | 3.9 | None | Yes | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $250,000.00 | 7.375% | 04/22/2024 | $245,649.17 | $1,726.69 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225381835 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,598.40 | $4,154.37 | 7.932% | $959.49 | $959.49 | 7.625% | No | No | Self-Employed | US Citizen | $4,028.11 | 1 | [Redacted] | $809.40 | [Redacted] | $67.45 | 39.579% | 39.579% | 39.579% | [Redacted] | 779 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,598.40 | 6.140% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $123,920.00 | 4.250% | 12/14/2017 | $104,440.09 | $609.61 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225387902 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,592.38 | 8.611% | $1,653.16 | $1,653.16 | 8.500% | No | No | Self-Employed | US Citizen | $68,593.65 | 1 | [Redacted] | $1,899.96 | [Redacted] | $158.33 | 17.684% | 17.684% | 17.684% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 88.160% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 88.16% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 88.16% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 88.16% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 88.16% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 88.16% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.020% | $0.00 | 1.5 | None | No | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,505,000.00 | 6.875% | 01/02/2026 | $1,505,000.00 | $9,886.78 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225388891 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,332.50 | $7,056.88 | 7.377% | $1,819.04 | $1,819.04 | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $20,058.02 | 1 | [Redacted] | $1,730.16 | [Redacted] | $144.18 | 39.244% | 39.244% | 39.244% | [Redacted] | 763 | No | Yes | 24 | Personal, Business | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,332.50 | 5.980% | $0.00 | 4.6 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $834,374.00 | 6.990% | 07/03/2025 | $830,201.97 | $5,545.51 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225388892 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $995.00 | $1,452.88 | 7.903% | $2,501.88 | $2,501.88 | 7.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $44,667.23 | 1 | [Redacted] | $10,022.04 | [Redacted] | $835.17 | 31.175% | 31.175% | 31.175% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; VVOE - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 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%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 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 [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 | [Redacted] | $995.00 | 6.020% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 0.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $2,000,000.00 | 6.750% | 03/24/2026 | $2,000,000.00 | $11,250.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.05 | No | $48,233.41 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225403573 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,123.40 | 7.478% | $1,322.64 | $1,322.64 | 7.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,191.38 | 1 | [Redacted] | $1,968.00 | [Redacted] | $164.00 | 49.266% | 49.266% | 49.266% | [Redacted] | 731 | Yes | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | 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 [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 | [Redacted] | $1,490.00 | 5.990% | $0.00 | None | N/A | No | 7.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $485,800.00 | 2.875% | 09/22/2020 | $421,282.00 | $2,015.55 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.66 | No | $7,486.91 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225403852 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,090.13 | $3,692.88 | 7.999% | $718.41 | $718.41 | 7.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,863.88 | 1 | [Redacted] | $2,798.04 | [Redacted] | $233.17 | 36.636% | 36.636% | 36.636% | [Redacted] | 685 | 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 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 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,090.13 | 6.020% | $0.00 | 1.0 | None | No | No | 7.625% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $266,345.00 | 3.875% | 06/30/2021 | $242,097.37 | $1,252.45 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225403925 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,170.00 | $3,602.45 | 8.114% | $735.94 | $735.94 | 7.375% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,616.76 | 1 | [Redacted] | $1,541.88 | [Redacted] | $128.49 | 43.097% | 43.097% | 43.097% | [Redacted] | 648 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 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 - 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 | [Redacted] | $3,170.00 | 5.460% | $0.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $179,671.00 | 3.750% | 04/17/2009 | $106,872.48 | $675.26 | 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 | $0.00 | $5,194.80 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225404016 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,235.04 | 8.016% | $1,520.23 | $1,520.23 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $18,523.61 | 1 | [Redacted] | $2,955.96 | [Redacted] | $246.33 | 33.572% | 33.572% | 33.572% | [Redacted] | 722 | 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 [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]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 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 | [Redacted] | $1,690.00 | 5.750% | $0.00 | None | N/A | No | 7.875% | 1 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $474,000.00 | 2.875% | 01/29/2021 | $413,173.92 | $1,966.59 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.77 | No | No | $0.00 | $18,200.00 | No | No | No | No | 5 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225404056 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,727.50 | $2,212.20 | 7.139% | $1,473.07 | $1,473.07 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $16,528.21 | 1 | [Redacted] | $3,125.04 | [Redacted] | $260.42 | 26.352% | 26.352% | 26.352% | [Redacted] | 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 [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]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 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 | [Redacted] | $1,727.50 | 5.880% | $0.00 | None | N/A | No | 7.000% | 2 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 36 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $380,000.00 | 2.750% | 11/17/2020 | $298,212.42 | $2,060.23 | 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 | $0.00 | $13,333.33 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225404068 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,750.00 | $2,551.80 | 7.196% | $767.81 | $767.81 | 6.875% | No | No | Employed | US Citizen | $10,447.15 | 1 | [Redacted] | $5,223.96 | [Redacted] | $435.33 | 28.297% | 28.297% | 28.297% | [Redacted] | 739 | 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 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,750.00 | 5.770% | $0.00 | None | N/A | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Final | Fee Simple | Individual | Individual | 1 | $270,000.00 | 3.125% | 05/22/2010 | $234,681.01 | $1,156.61 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225405189 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,990.85 | 7.402% | $852.72 | $852.72 | 7.250% | No | No | Employed | US Citizen | $5,296.37 | 1 | [Redacted] | $1,593.12 | [Redacted] | $132.76 | 37.100% | 37.100% | 37.100% | [Redacted] | 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]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [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 | [Redacted] | $1,490.00 | 5.980% | $0.00 | 2.6 | None | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $208,966.00 | 3.500% | 04/01/2022 | $163,617.77 | $1,572.06 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225405190 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,571.00 | $4,271.71 | 8.470% | $551.05 | $551.05 | 7.875% | No | No | Self-Employed | US Citizen | $3,947.38 | 1 | [Redacted] | $1,683.12 | [Redacted] | $140.26 | 45.521% | 45.521% | 45.521% | [Redacted] | 650 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,571.00 | 5.980% | $0.00 | None | N/A | No | 7.875% | 0 | 1 | 0 | 2 | 1 | 12.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $270,400.00 | 3.625% | 03/11/2020 | $249,437.00 | $1,233.16 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225405991 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,131.66 | 7.518% | $941.39 | $941.39 | 7.375% | No | No | Employed | US Citizen | $31,400.33 | 1 | [Redacted] | $4,497.96 | [Redacted] | $374.83 | 15.566% | 15.566% | 15.566% | [Redacted] | 744 | 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 - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 6.020% | $0.00 | 2.5 | None | No | No | 7.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $645,000.00 | 3.625% | 10/01/2020 | $574,998.00 | $2,941.56 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225406196 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,522.50 | $5,483.70 | 8.169% | $1,395.61 | $1,395.61 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,067.74 | 1 | [Redacted] | $2,145.96 | [Redacted] | $178.83 | 48.140% | 48.140% | 48.140% | [Redacted] | 691 | 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 - | 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]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 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 [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 |
[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 | [Redacted] | $4,522.50 | 5.700% | $0.00 | None | N/A | No | 7.750% | 3 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $368,450.00 | 3.250% | 03/16/2021 | $330,212.00 | $1,603.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.2 | No | $0.00 | $5,760.21 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225406514 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,323.50 | $4,305.66 | 6.823% | $800.83 | $800.83 | 6.500% | No | No | Self-Employed | US Citizen | $5,318.55 | 1 | [Redacted] | $3,606.24 | [Redacted] | $300.52 | 47.420% | 47.420% | 47.420% | [Redacted] | 751 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,323.50 | 6.020% | $0.00 | 3.0 | None | No | No | 6.500% | 0 | 1 | 0 | 3 | 2 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $372,000.00 | 2.750% | 10/13/2020 | $320,665.08 | $1,618.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.3 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | AE | 10/09/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225407318 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,139.75 | $3,579.59 | 9.126% | $885.69 | $885.69 | 8.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,883.15 | 1 | [Redacted] | $1,526.04 | [Redacted] | $127.17 | 36.262% | 36.262% | 36.262% | [Redacted] | 659 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,139.75 | 5.650% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $207,920.00 | 3.375% | 04/03/2020 | $182,819.83 | $919.21 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.22 | No | $5,729.24 | $0.00 | No | No | No | No | 1 | 120 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225409112 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,400.00 | $1,965.96 | 7.999% | $569.28 | $569.28 | 7.625% | No | No | Self-Employed | US Citizen | $10,925.76 | 1 | [Redacted] | $1,545.00 | [Redacted] | $128.75 | 43.121% | 43.121% | 43.121% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $1,400.00 | 5.700% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $261,568.00 | 2.625% | 02/05/2021 | $226,620.20 | $1,127.76 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225410940 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,258.89 | $2,787.52 | 7.397% | $1,015.68 | $1,015.68 | 7.000% | No | No | Employed | US Citizen | $9,521.09 | 1 | [Redacted] | $2,505.00 | [Redacted] | $208.75 | 34.422% | 34.422% | 34.422% | [Redacted] | 755 | 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 Transcript - 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 | [Redacted] | $2,258.89 | 5.580% | $0.00 | None | N/A | No | 7.000% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $442,611.00 | 2.500% | 10/20/2021 | $397,255.08 | $1,748.85 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225411030 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $1,231.08 | 9.635% | $4,249.95 | $4,249.95 | 9.625% | No | No | Self-Employed | US Citizen | $60,534.06 | 1 | [Redacted] | $10,529.16 | [Redacted] | $877.43 | 38.461% | 38.461% | 38.461% | [Redacted] | 687 | No | Yes | 12 | Business | 100.000% | 66.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 66.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.020% | $0.00 | 4.4 | None | No | No | 9.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $768,000.00 | 2.500% | 02/15/2022 | $697,221.69 | $3,034.53 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 126.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225411204 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,962.50 | $3,815.85 | 7.657% | $932.41 | $932.41 | 7.375% | No | No | Employed | US Citizen | $3,698.34 | 1 | [Redacted] | $627.00 | [Redacted] | $52.25 | 42.950% | 42.950% | 42.950% | [Redacted] | 753 | 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 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]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,962.50 | 5.980% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 25 | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $325,000.00 | 2.990% | 10/06/2020 | $286,936.24 | $1,368.46 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225411256 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $2,541.12 | 8.132% | $2,091.10 | $2,091.10 | 8.000% | No | No | Self-Employed | US Citizen | $10,488.36 | 1 | [Redacted] | $2,124.72 | [Redacted] | $177.06 | 44.030% | 44.030% | 44.030% | [Redacted] | 672 | No | No | [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%)]; 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 5.700% | $0.00 | 1.0 | None | N/A | No | 8.000% | 2 | 2 | 0 | 2 | 2 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $408,000.00 | 4.750% | 12/12/2016 | $340,557.13 | $2,128.32 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225413960 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,377.50 | $2,898.96 | 7.570% | $1,036.01 | $1,036.01 | 7.375% | No | No | Employed | US Citizen | $8,375.70 | 1 | [Redacted] | $3,002.04 | [Redacted] | $250.17 | 49.206% | 49.206% | 49.206% | [Redacted] | 757 | 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]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,377.50 | 5.990% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $584,250.00 | 2.750% | 10/01/2021 | $494,980.38 | $2,238.18 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 20.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225413961 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,264.13 | $3,450.88 | 8.089% | $1,178.24 | $1,178.24 | 7.875% | No | No | Employed | US Citizen | $6,646.33 | 1 | [Redacted] | $1,782.00 | [Redacted] | $148.50 | 41.883% | 41.883% | 41.883% | [Redacted] | 655 | 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 - 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 | [Redacted] | $4,264.13 | 5.980% | $0.00 | None | N/A | No | 7.875% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $269,500.00 | 3.875% | 05/18/2020 | $238,470.00 | $1,267.29 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.16 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225415601 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,693.06 | 6.905% | $1,491.78 | $1,491.78 | 6.750% | No | No | Employed | US Citizen | $12,884.48 | 1 | [Redacted] | $3,014.04 | [Redacted] | $251.17 | 32.650% | 32.650% | 32.650% | [Redacted] | 759 | 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]; 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 | [Redacted] | $1,590.00 | 6.120% | $0.00 | 2.9 | None | No | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $509,500.00 | 2.500% | 09/10/2020 | $438,195.75 | $2,013.14 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225421548 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $3,913.44 | 7.466% | $2,721.26 | $2,721.26 | 7.375% | No | No | Self-Employed | US Citizen | $15,229.63 | 1 | [Redacted] | $2,299.56 | [Redacted] | $191.63 | 35.997% | 35.997% | 35.997% | [Redacted] | 809 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.020% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $596,000.00 | 3.500% | 05/06/2025 | $537,351.12 | $2,676.31 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.23 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225422522 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,039.80 | $3,631.24 | 8.463% | $574.66 | $574.66 | 7.750% | No | No | Self-Employed | US Citizen | $1,615.03 | 1 | [Redacted] | $1,144.32 | [Redacted] | $95.36 | 49.896% | 49.896% | 49.896% | [Redacted] | 640 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,039.80 | 5.770% | $0.00 | None | N/A | No | 7.750% | 0 | 1 | 0 | 2 | 1 | No | Not Stated | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $144,000.00 | 2.125% | 03/04/2022 | $130,601.60 | $541.30 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.92 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225422523 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,287.13 | 7.736% | $699.21 | $699.21 | 7.500% | No | No | Self-Employed | US Citizen | $18,017.77 | 1 | [Redacted] | $4,305.00 | [Redacted] | $358.75 | 27.793% | 27.793% | 27.793% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 5.990% | $0.00 | 1.2 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $427,000.00 | 3.375% | 09/13/2021 | $387,605.27 | $1,887.75 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225422911 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,640.00 | $3,898.12 | 8.649% | $2,759.68 | $2,759.68 | 8.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,938.38 | 1 | [Redacted] | $3,447.48 | [Redacted] | $287.29 | 42.171% | 42.171% | 42.171% | [Redacted] | 695 | No | Yes | 24 | Business | 72.000% | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Wages]; VVOE - 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]; 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]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,640.00 | 5.520% | $0.00 | None | N/A | No | 8.250% | 3 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $956,250.00 | 3.622% | 02/12/2007 | $945,868.77 | $4,437.65 | 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 | 13.34 | No | $12,468.88 | $0.00 | No | No | No | No | 1 | 120 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225424151 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,972.57 | $1,643.97 | 8.069% | $642.94 | $642.94 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $3,158.98 | 1 | [Redacted] | $1,905.96 | [Redacted] | $158.83 | 48.206% | 48.206% | 48.206% | [Redacted] | 676 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [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]; 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]; 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 | [Redacted] | $1,972.57 | 5.980% | $0.00 | None | N/A | No | 7.875% | 2 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $132,000.00 | 6.125% | 08/29/2024 | $129,727.54 | $802.05 | 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 | $0.00 | $3,152.47 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225424351 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,140.00 | $8,599.85 | 7.815% | $1,381.35 | $1,381.35 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $21,161.87 | 1 | [Redacted] | $5,108.16 | [Redacted] | $425.68 | 31.499% | 31.499% | 31.499% | [Redacted] | 739 | No | Yes | 12 | Business | 50.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[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 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,140.00 | 5.980% | $0.00 | 2.6 | None | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $564,650.00 | 3.000% | 12/01/2021 | $516,389.03 | $2,380.59 | 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 | $0.00 | $5,267.80 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225427470 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,173.00 | $4,060.98 | 8.384% | $1,249.62 | $1,249.62 | 8.125% | No | No | Employed | US Citizen | $45,798.12 | 1 | [Redacted] | $4,194.72 | [Redacted] | $349.56 | 15.450% | 15.450% | 15.450% | [Redacted] | 657 | 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 | [Redacted] | $3,173.00 | 6.120% | $0.00 | 1.0 | None | No | No | 8.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $502,645.00 | 3.250% | 02/19/2020 | $430,479.00 | $2,187.54 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225429457 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $416.22 | 7.395% | $1,225.95 | $1,225.95 | 7.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $10,934.08 | 1 | [Redacted] | $2,669.28 | [Redacted] | $222.44 | 36.350% | 36.350% | 36.350% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 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 - | Non-Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; 1099 - 2025 [Borrower - | Non-Primary Income - Annuity]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Annuity]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2023 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2023 |
[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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.020% | $0.00 | 5.0 | None | Yes | No | 7.375% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $600,000.00 | 0.010% | 07/08/2025 | $597,745.00 | $3,620.04 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.66 | No | $4,230.66 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225430128 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,474.32 | $8,617.08 | 8.480% | $2,995.83 | $2,995.83 | 8.250% | No | No | Self-Employed | US Citizen | $13,318.73 | 1 | [Redacted] | $2,148.96 | [Redacted] | $179.08 | 45.787% | 45.787% | 45.787% | [Redacted] | 742 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,474.32 | 6.120% | $0.00 | 5.0 | None | No | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $899,100.00 | 6.875% | 08/01/2023 | $875,346.64 | $5,906.45 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225430980 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,235.00 | $3,525.83 | 7.579% | $538.97 | $538.97 | 7.125% | No | No | Self-Employed | US Citizen | $2,387.04 | 1 | [Redacted] | $1,668.00 | [Redacted] | $139.00 | 49.484% | 49.484% | 49.484% | [Redacted] | 751 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $2,235.00 | 6.100% | $0.00 | None | N/A | No | 7.125% | 1 | 0 | 0 | 1 | 0 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $137,464.00 | 4.250% | 02/16/2016 | $109,781.71 | $676.24 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225430981 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $61.00 | $234.97 | 9.188% | $453.89 | $453.89 | 9.125% | No | No | Employed | US Citizen | $5,535.77 | 1 | [Redacted] | $3,504.00 | [Redacted] | $292.00 | 50.962% | 50.962% | 50.962% | [Redacted] | 655 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2022 |
[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 | [Redacted] | $61.00 | 5.880% | $0.00 | 1.0 | None | No | No | 9.125% | 4 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $319,113.00 | 2.750% | 03/31/2021 | $284,359.73 | $1,302.75 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225431807 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,170.00 | $1,025.00 | 7.271% | $3,410.88 | $3,410.88 | 7.250% | No | No | Employed | US Citizen | $24,918.93 | 1 | [Redacted] | $3,168.96 | [Redacted] | $264.08 | 28.801% | 28.801% | 28.801% | [Redacted] | 780 | 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 - | 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 | [Redacted] | $3,170.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $664,013.00 | 2.250% | 02/23/2021 | $470,403.28 | $4,349.85 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.13 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225432315 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,795.00 | $2,414.23 | 7.595% | $3,708.05 | $3,708.05 | 7.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $13,559.10 | 1 | [Redacted] | $4,787.52 | [Redacted] | $398.96 | 44.909% | 44.909% | 44.909% | [Redacted] | 685 | 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%)]; 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 [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) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [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) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,795.00 | 5.530% | $0.00 | 4.5 | None | No | No | 7.500% | 2 | 3 | 1 | 0 | 2 | 1 | 12.00 | No | Not Stated | [Redacted] | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $555,000.00 | 3.000% | 02/26/2016 | $452,472.00 | $2,633.68 | 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 | $6,722.67 | $5,833.34 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225436633 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $1,970.00 | 7.613% | $1,258.59 | $1,258.59 | 7.500% | No | No | Self-Employed | US Citizen | $48,024.27 | 2 | [Redacted] | $2,481.96 | [Redacted] | $206.83 | 9.758% | 9.758% | 9.758% | [Redacted] | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,595.00 | 5.980% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $371,740.00 | 2.375% | 02/25/2021 | $327,412.00 | $1,444.78 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 05/27/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225438408 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,940.00 | $12,965.88 | 7.332% | $3,368.59 | $3,368.59 | 7.125% | No | No | Self-Employed | US Citizen | $18,339.26 | 1 | [Redacted] | $4,617.00 | [Redacted] | $384.75 | 49.679% | 49.679% | 49.679% | [Redacted] | 779 | Yes | No | Borrower Prepared | [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]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[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 | [Redacted] | $4,940.00 | 6.100% | $0.00 | 2.6 | None | No | No | 7.125% | 0 | 0 | 0 | 1 | 1 | 12.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,965,920.00 | 3.750% | 06/17/2022 | $1,836,614.66 | $9,104.48 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225438531 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $5,393.06 | 7.551% | $3,496.07 | $3,496.07 | 7.500% | No | No | Self-Employed | US Citizen | $22,987.37 | 1 | [Redacted] | $3,155.04 | [Redacted] | $262.92 | 29.690% | 29.690% | 29.690% | [Redacted] | 784 | No | Yes | 24 | Business | 100.000% | 77.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 77.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 77.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 77.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 77.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 77.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.100% | $0.00 | 3.1 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $548,250.00 | 2.990% | 12/20/2021 | $499,198.26 | $2,308.49 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 84.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225438922 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $1,903.30 | 7.170% | $985.50 | $985.50 | 6.875% | No | No | Employed | US Citizen | $3,705.56 | 1 | [Redacted] | $3,050.40 | [Redacted] | $254.20 | 43.827% | 43.827% | 43.827% | [Redacted] | 710 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 5.530% | $0.00 | None | N/A | No | 6.875% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $202,151.00 | 2.750% | 08/11/2020 | $176,878.68 | $825.26 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225441056 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,495.00 | $2,910.88 | 7.390% | $1,023.26 | $1,023.26 | 7.250% | No | No | Employed | US Citizen | $4,514.14 | 1 | [Redacted] | $2,853.00 | [Redacted] | $237.75 | 43.185% | 43.185% | 43.185% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 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 | [Redacted] | $1,495.00 | 5.980% | $0.00 | None | N/A | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $200,000.00 | 2.625% | 04/21/2021 | $142,379.50 | $1,345.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225443397 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,057.66 | 7.251% | $1,179.01 | $1,179.01 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $9,145.71 | 1 | [Redacted] | $1,092.00 | [Redacted] | $91.00 | 35.774% | 35.774% | 35.774% | [Redacted] | 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]; 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 [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 |
[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 | [Redacted] | $1,690.00 | 6.020% | $0.00 | None | N/A | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $510,400.00 | 3.375% | 10/21/2020 | $452,395.00 | $2,256.46 | 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 | $0.00 | $2,755.63 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225443399 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,117.57 | 7.689% | $341.09 | $341.09 | 7.250% | No | No | Employed | US Citizen | $4,074.51 | 1 | [Redacted] | $2,490.96 | [Redacted] | $207.58 | 31.003% | 31.003% | 31.003% | [Redacted] | 783 | 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 - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[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 | [Redacted] | $1,490.00 | 6.120% | $0.00 | None | N/A | No | 7.250% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $112,000.00 | 5.990% | 12/12/2022 | $107,338.34 | $670.78 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225443720 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,227.50 | $2,405.07 | 8.373% | $587.01 | $587.01 | 7.250% | No | No | Non-Employment Income | US Citizen | $5,298.76 | 1 | [Redacted] | $1,665.12 | [Redacted] | $138.76 | 43.314% | 43.314% | 43.314% | [Redacted] | 728 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,227.50 | 5.650% | $0.00 | 3.2 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 3 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $160,000.00 | 4.000% | 08/07/2013 | $113,781.19 | $780.86 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 120 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225443721 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,533.75 | $9,024.18 | 8.160% | $1,993.94 | $1,993.94 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $11,782.83 | 1 | [Redacted] | $2,055.96 | [Redacted] | $171.33 | 48.820% | 48.820% | 48.820% | [Redacted] | 684 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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 [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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 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]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 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 | [Redacted] | $6,533.75 | 6.220% | $0.00 | 5.0 | None | No | No | 7.875% | 2 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $628,200.00 | 2.750% | 10/22/2021 | $567,414.42 | $2,564.57 | 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 | No | $213.00 | $10,610.43 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225444208 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,240.00 | $2,720.74 | 7.443% | $898.83 | $898.83 | 7.000% | No | No | Self-Employed | US Citizen | $5,273.95 | 1 | [Redacted] | $1,755.00 | [Redacted] | $146.25 | 46.922% | 46.922% | 46.922% | [Redacted] | 726 | No | No | Borrower Prepared | [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%)]; Paystubs - 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%)]; 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]; 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 | [Redacted] | $2,240.00 | 5.590% | $0.00 | None | N/A | No | 7.000% | 3 | 2 | 0 | 3 | 2 | 12.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $442,000.00 | 4.990% | 12/18/2018 | $382,614.36 | $2,370.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225444217 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $231.00 | $1,207.65 | 8.293% | $1,273.94 | $1,273.94 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $5,143.06 | 1 | [Redacted] | $5,091.96 | [Redacted] | $424.33 | 40.835% | 40.835% | 40.835% | [Redacted] | 666 | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $231.00 | 5.700% | $0.00 | 1.0 | None | Yes | No | 8.000% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $165,725.00 | 2.500% | 10/05/2021 | $116,118.00 | $1,105.04 | 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 | $0.00 | $5,517.20 | No | No | No | No | 1 | 120 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225446831 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $13,715.00 | $18,047.25 | 8.215% | $3,516.59 | $3,516.59 | 7.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,015.98 | 3 | [Redacted] | $6,625.92 | [Redacted] | $552.16 | 49.768% | 49.768% | 49.768% | [Redacted] | 689 | No | No | [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - C-Corp]; Balance Sheet - 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]; 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 |
[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 [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 | [Redacted] | $13,715.00 | 6.020% | $0.00 | None | No | No | 7.875% | 2 | 2 | 1 | 0 | 2 | 1 | No | Not Stated | [Redacted] | No | 18 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,068,000.00 | 6.075% | 03/19/2026 | $1,068,000.00 | $6,454.79 | 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 | $0.00 | $6,628.27 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225446839 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,327.50 | $4,602.34 | 7.118% | $474.05 | $474.05 | 6.500% | No | No | Employed | US Citizen | $3,553.25 | 1 | [Redacted] | $2,169.00 | [Redacted] | $180.75 | 46.926% | 46.926% | 46.926% | [Redacted] | 753 | 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 Transcript - 2025 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 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 | [Redacted] | $3,327.50 | 6.120% | $0.00 | 1.0 | None | Yes | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $267,500.00 | 7.200% | 06/20/2025 | $265,903.34 | $1,815.76 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225446915 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $12,082.56 | $14,346.10 | 7.681% | $2,882.88 | $2,882.88 | 7.375% | No | No | Self-Employed | US Citizen | $14,990.09 | 1 | [Redacted] | $17,232.24 | [Redacted] | $1,436.02 | 34.863% | 34.863% | 34.863% | [Redacted] | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,082.56 | 5.990% | $0.00 | 1.5 | None | No | No | 7.375% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $548,000.00 | 3.625% | 05/21/2021 | $497,598.38 | $2,499.17 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225446941 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,995.00 | $2,356.88 | 6.970% | $1,576.63 | $1,576.63 | 6.875% | No | No | Employed | US Citizen | $7,968.15 | 1 | [Redacted] | $3,221.04 | [Redacted] | $268.42 | 39.997% | 39.997% | 39.997% | [Redacted] | 797 | 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 - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,995.00 | 6.120% | $0.00 | None | N/A | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $307,000.00 | 3.125% | 04/06/2020 | $268,061.68 | $1,315.11 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225448328 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,038.02 | $2,530.72 | 7.790% | $1,244.45 | $1,244.45 | 7.250% | No | No | Employed | US Citizen | $5,389.08 | 1 | [Redacted] | $1,283.04 | [Redacted] | $106.92 | 36.910% | 36.910% | 36.910% | [Redacted] | 709 | 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 - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,038.02 | 5.650% | $0.00 | None | N/A | No | 7.250% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $187,250.00 | 3.375% | 01/07/2022 | $171,794.80 | $827.83 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 120 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225448337 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $1,974.17 | 8.210% | $1,781.99 | $1,781.99 | 8.125% | No | No | Self-Employed | US Citizen | $40,475.08 | 1 | [Redacted] | $2,145.96 | [Redacted] | $178.83 | 23.292% | 23.292% | 23.292% | [Redacted] | 788 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 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 1099 | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.020% | $0.00 | 3.1 | None | No | No | 8.125% | 2 | 0 | 0 | 3 | 0 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,030,000.00 | 2.875% | 03/19/2021 | $910,945.35 | $4,401.23 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.8 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225449547 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,905.00 | $4,900.80 | 6.999% | $1,050.73 | $1,050.73 | 6.750% | No | No | Employed | US Citizen | $6,633.26 | 1 | [Redacted] | $3,159.96 | [Redacted] | $263.33 | 44.158% | 44.158% | 44.158% | [Redacted] | 762 | Yes | 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 - Asset Depletion]; 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,905.00 | 5.980% | $0.00 | 1.8 | None | No | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $564,000.00 | 3.625% | 03/04/2021 | $509,042.74 | $2,572.13 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225450083 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,471.50 | $4,901.25 | 8.363% | $568.08 | $568.08 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $5,072.43 | 1 | [Redacted] | $2,864.04 | [Redacted] | $238.67 | 48.576% | 48.576% | 48.576% | [Redacted] | 751 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 37.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 37.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 37.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 37.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,471.50 | 6.130% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $280,819.00 | 2.875% | 06/20/2021 | $252,703.00 | $1,165.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225452364 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,640.00 | $3,391.25 | 7.366% | $808.46 | $808.46 | 7.125% | No | No | Self-Employed | US Citizen | $7,532.25 | 1 | [Redacted] | $3,866.28 | [Redacted] | $322.19 | 44.680% | 44.680% | 44.680% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $1,640.00 | 5.990% | $0.00 | 1.5 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $188,500.00 | 3.250% | 02/27/2020 | $140,762.77 | $820.36 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225452556 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,590.00 | $3,926.00 | 7.557% | $2,552.13 | $2,552.13 | 7.500% | No | No | Employed | US Citizen | $29,079.20 | 1 | [Redacted] | $1,491.00 | [Redacted] | $124.25 | 37.947% | 37.947% | 37.947% | [Redacted] | 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 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 5.980% | $0.00 | 1.0 | None | No | No | 7.500% | 3 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | No | 25 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $460,000.00 | 2.500% | 09/03/2020 | $313,369.35 | $3,067.24 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225452786 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,300.00 | $5,701.38 | 7.335% | $755.47 | $755.47 | 6.875% | No | No | Employed | US Citizen | $4,177.11 | 1 | [Redacted] | $1,695.96 | [Redacted] | $141.33 | 49.875% | 49.875% | 49.875% | [Redacted] | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 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 | [Redacted] | $3,300.00 | 6.020% | $0.00 | None | N/A | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $247,781.00 | 4.500% | 04/25/2019 | $208,574.71 | $1,255.47 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225453185 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,505.92 | 7.200% | $1,321.28 | $1,321.28 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $7,724.65 | 1 | [Redacted] | $5,067.00 | [Redacted] | $422.25 | 46.479% | 46.479% | 46.479% | [Redacted] | 757 | 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 - 2024 [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]; 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 |
[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 | [Redacted] | $1,590.00 | 5.610% | $0.00 | 2.6 | None | No | No | 7.000% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 11 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $348,000.00 | 2.875% | 11/12/2020 | $300,361.37 | $1,443.83 | 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 | No | $0.00 | $5,906.98 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225453458 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $5,514.70 | 7.426% | $1,705.44 | $1,705.44 | 7.250% | No | No | Employed | US Citizen | $29,613.69 | 1 | [Redacted] | $3,726.96 | [Redacted] | $310.58 | 49.716% | 49.716% | 49.716% | [Redacted] | 749 | 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 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 | [Redacted] | $1,390.00 | 5.990% | $0.00 | None | N/A | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,481,250.00 | 3.375% | 12/08/2021 | $1,358,993.23 | $6,548.55 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.73 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225453540 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $5,240.00 | $7,165.24 | 8.654% | $1,704.13 | $1,704.13 | 8.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,451.87 | 1 | [Redacted] | $2,314.08 | [Redacted] | $192.84 | 48.062% | 48.062% | 48.062% | [Redacted] | 691 | 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]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 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]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 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]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,240.00 | 5.860% | $0.00 | 1.1 | None | No | No | 8.250% | 0 | 3 | 1 | 0 | 2 | 2 | 0.00 | No | [Redacted] | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $548,250.00 | 3.125% | 05/01/2021 | $492,704.74 | $2,348.57 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.04 | No | No | $0.00 | $16,273.09 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225453542 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,374.00 | $2,536.58 | 8.231% | $358.21 | $358.21 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $6,830.04 | 1 | [Redacted] | $1,175.04 | [Redacted] | $97.92 | 45.968% | 45.968% | 45.968% | [Redacted] | 782 | No | Yes | 12 | Personal | 94.000% | 50.000% | [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 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Business - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,374.00 | 6.020% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $160,000.00 | 3.625% | 07/22/2020 | $139,003.83 | $729.68 | 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 | No | $5,916.67 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225454663 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,990.00 | $3,259.78 | 10.700% | $658.20 | $658.20 | 10.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $19,638.61 | 1 | [Redacted] | $921.12 | [Redacted] | $76.76 | 40.986% | 40.986% | 40.986% | [Redacted] | 755 | 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 - | Primary Income - Wages]; W-2 - 2023 |
[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 | [Redacted] | $1,990.00 | 6.120% | $0.00 | None | N/A | No | 10.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $337,500.00 | 3.375% | 10/01/2021 | $308,949.00 | $1,492.07 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225455027 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,694.53 | 7.124% | $844.59 | $844.59 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,315.27 | 1 | [Redacted] | $1,636.92 | [Redacted] | $136.41 | 44.264% | 44.264% | 44.264% | [Redacted] | 761 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,690.00 | 5.750% | $0.00 | 1.5 | None | No | No | 6.875% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $363,800.00 | 2.750% | 02/01/2021 | $316,686.97 | $1,485.18 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225455231 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $2,924.22 | 7.050% | $1,860.85 | $1,860.85 | 7.000% | No | No | Employed | US Citizen | $43,541.09 | 1 | [Redacted] | $2,952.36 | [Redacted] | $246.03 | 16.094% | 16.094% | 16.094% | [Redacted] | 797 | 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]; 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 | [Redacted] | $1,390.00 | 6.120% | $0.00 | 3.7 | None | Yes | No | 7.000% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 100.000% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $551,104.00 | 2.250% | 09/14/2021 | $551,104.00 | $2,615.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 516.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225459035 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,045.00 | $2,480.74 | 8.030% | $1,268.87 | $1,268.87 | 7.875% | No | No | Self-Employed | US Citizen | $23,776.04 | 1 | [Redacted] | $5,873.16 | [Redacted] | $489.43 | 21.276% | 21.276% | 21.276% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,045.00 | 5.990% | $0.00 | 3.8 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $512,000.00 | 3.375% | 06/04/2021 | $461,293.11 | $2,263.53 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225459507 | [Redacted] | [Redacted] | N/A | No | No | $1,050.02 | $1,050.02 | 8.625% | No | No | US Citizen | 1 | [Redacted] | $1,797.96 | [Redacted] | $149.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $158,000.00 | 2.990% | 02/04/2021 | $68,653.30 | $665.28 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 62.27 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225460081 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,182.00 | $5,580.75 | 8.235% | $2,672.99 | $2,672.99 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $47,946.54 | 1 | [Redacted] | $1,832.16 | [Redacted] | $152.68 | 36.780% | 36.780% | 36.780% | [Redacted] | 798 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; 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 [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]; Paystubs - 2022 |
[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 | [Redacted] | $3,182.00 | 5.980% | $0.00 | 3.5 | None | No | No | 8.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $450,240.00 | 2.750% | 05/01/2020 | $382,088.35 | $1,838.07 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.36 | No | No | $0.00 | $64,236.00 | No | No | No | No | 8 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225460131 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,145.00 | $3,774.37 | 8.721% | $782.87 | $782.87 | 8.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $10,008.27 | 1 | [Redacted] | $1,377.96 | [Redacted] | $114.83 | 42.260% | 42.260% | 42.260% | [Redacted] | 702 | No | Yes | 12 | Personal | 57.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [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 [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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,145.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 1 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | [Redacted] | [Redacted] | No | 7 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $648,000.00 | 2.875% | 09/15/2021 | $584,969.91 | $2,688.50 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.64 | No | $0.00 | $7,500.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225462347 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,421.49 | 6.727% | $2,108.26 | $2,108.26 | 6.625% | No | No | Employed | US Citizen | $14,210.84 | 1 | [Redacted] | $2,150.04 | [Redacted] | $179.17 | 36.705% | 36.705% | 36.705% | [Redacted] | 812 | 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 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]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 5.700% | $0.00 | 1.2 | None | Yes | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $391,900.00 | 3.250% | 01/17/2013 | $165,184.05 | $2,222.84 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225462931 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,094.00 | $3,650.52 | 7.330% | $492.70 | $492.70 | 6.875% | No | No | Employed | US Citizen | $9,536.98 | 1 | [Redacted] | $3,822.00 | [Redacted] | $318.50 | 34.548% | 34.548% | 34.548% | [Redacted] | 786 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $3,094.00 | 6.020% | $0.00 | None | N/A | No | 6.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $266,550.00 | 2.875% | 08/17/2020 | $208,735.91 | $1,461.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225463219 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,054.50 | $2,517.73 | 7.123% | $1,159.41 | $1,159.41 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $16,785.85 | 1 | [Redacted] | $5,843.64 | [Redacted] | $486.97 | 40.710% | 40.710% | 40.710% | [Redacted] | 743 | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,054.50 | 5.580% | $0.00 | 1.6 | None | No | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $266,900.00 | 2.375% | 12/16/2020 | $185,110.29 | $1,764.00 | 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 | No | $0.00 | $9,134.26 | No | No | No | No | 2 | 180 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225463690 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,720.08 | $4,570.62 | 7.809% | $936.95 | $936.95 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $10,176.52 | 1 | [Redacted] | $6,450.96 | [Redacted] | $537.58 | 46.204% | 46.204% | 46.204% | [Redacted] | 713 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; 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]; 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 | [Redacted] | $3,720.08 | 6.020% | $0.00 | None | N/A | No | 7.500% | 3 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $380,290.00 | 3.500% | 03/20/2020 | $333,153.26 | $1,707.67 | 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 | $0.00 | $8,416.68 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225463817 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,765.90 | $3,800.05 | 7.220% | $1,785.35 | $1,785.35 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $6,366.47 | 1 | [Redacted] | $6,356.28 | [Redacted] | $529.69 | 49.962% | 49.962% | 49.962% | [Redacted] | 814 | 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]; The Work Number - Income - 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) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,765.90 | 6.120% | $0.00 | 1.7 | None | Yes | No | 7.125% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $380,000.00 | 3.625% | 07/07/2020 | $336,623.74 | $1,732.99 | 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 | $0.00 | $5,898.26 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225463819 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,810.00 | $5,889.55 | 7.541% | $875.83 | $875.83 | 7.125% | No | No | Employed | US Citizen | $17,229.59 | 1 | [Redacted] | $1,695.96 | [Redacted] | $141.33 | 27.674% | 27.674% | 27.674% | [Redacted] | 711 | 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]; 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]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,810.00 | 6.120% | $0.00 | None | N/A | No | 7.125% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $600,000.00 | 4.625% | 05/09/2022 | $563,042.92 | $3,084.84 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225463820 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,949.38 | 8.258% | $1,707.74 | $1,707.74 | 8.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,387.17 | 1 | [Redacted] | $2,988.96 | [Redacted] | $249.08 | 49.321% | 49.321% | 49.321% | [Redacted] | 698 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $1,990.00 | 6.270% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $509,500.00 | 2.500% | 08/25/2020 | $440,565.14 | $2,013.14 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225464145 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $1,845.00 | $2,303.37 | 10.088% | $466.07 | $466.07 | 9.500% | No | No | Self-Employed | US Citizen | $2,102.57 | 1 | [Redacted] | $1,267.20 | [Redacted] | $105.60 | 39.162% | 39.162% | 39.162% | [Redacted] | 672 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $1,845.00 | 5.880% | $0.00 | None | N/A | No | 9.500% | 1 | 0 | 0 | 3 | 0 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $174,165.00 | 3.125% | 09/01/2007 | $154,231.00 | $608.61 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225464193 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,377.00 | $3,230.59 | 8.786% | $807.36 | $807.36 | 8.500% | No | No | Employed | US Citizen | $4,204.58 | 1 | [Redacted] | $2,102.04 | [Redacted] | $175.17 | 46.943% | 46.943% | 46.943% | [Redacted] | 679 | 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 |
[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 |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $3,377.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 8.500% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $330,077.00 | 3.250% | 04/15/2021 | $291,729.28 | $1,517.04 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225464200 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,380.00 | $8,362.87 | 9.050% | $3,210.42 | $3,210.42 | 8.875% | No | No | Self-Employed | US Citizen | $36,684.46 | 1 | [Redacted] | $4,659.00 | [Redacted] | $388.25 | 35.566% | 35.566% | 35.566% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,380.00 | 6.120% | $0.00 | 2.1 | None | No | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $543,750.00 | 4.500% | 03/08/2022 | $507,353.89 | $2,755.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225464221 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,223.30 | $4,773.65 | 7.135% | $1,020.60 | $1,020.60 | 6.875% | No | No | Employed | US Citizen | $12,044.55 | 1 | [Redacted] | $4,500.12 | [Redacted] | $375.01 | 31.662% | 31.662% | 31.662% | [Redacted] | 764 | 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]; WVOE - 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 - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,223.30 | 6.120% | $0.00 | None | N/A | No | 6.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $339,200.00 | 3.500% | 03/13/2020 | $294,513.82 | $1,523.16 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225464548 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $11.00 | $504.80 | 9.732% | $548.24 | $548.24 | 9.625% | No | No | Self-Employed | US Citizen | $22,747.79 | 1 | [Redacted] | $2,823.96 | [Redacted] | $235.33 | 27.784% | 27.784% | 27.784% | [Redacted] | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11.00 | 6.120% | $0.00 | 1.5 | None | Yes | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $192,000.00 | 5.375% | 12/30/2020 | $176,947.04 | $1,342.52 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225465696 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,530.94 | $5,663.06 | 7.771% | $1,357.14 | $1,357.14 | 7.375% | No | No | Employed | US Citizen | $3,234.90 | 1 | [Redacted] | $882.00 | [Redacted] | $73.50 | 49.500% | 49.500% | 49.500% | [Redacted] | 712 | 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]; Transcripts (1040) - No Results Returned - 2025 [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 | [Redacted] | $4,530.94 | 5.750% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $61,813.00 | 4.875% | 04/16/2025 | $38,291.56 | $327.12 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225465728 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,902.56 | 6.998% | $788.31 | $788.31 | 6.875% | No | No | Non-Employment Income | US Citizen | $8,549.22 | 1 | [Redacted] | $2,244.96 | [Redacted] | $187.08 | 37.886% | 37.886% | 37.886% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.020% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $190,000.00 | 3.500% | 12/19/2019 | $24,239.39 | $1,358.28 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225465829 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,703.90 | $3,351.94 | 7.288% | $386.56 | $386.56 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $10,546.99 | 1 | [Redacted] | $1,605.84 | [Redacted] | $133.82 | 27.440% | 27.440% | 27.440% | [Redacted] | 763 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,703.90 | 6.020% | $0.00 | None | N/A | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $252,000.00 | 2.625% | 03/16/2021 | $180,043.12 | $1,695.18 | 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 | $0.00 | $7,985.47 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466158 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $0.00 | $1,325.48 | 7.738% | $3,562.72 | $3,562.72 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $14,504.73 | 1 | [Redacted] | $2,435.04 | [Redacted] | $202.92 | 49.246% | 49.246% | 49.246% | [Redacted] | 765 | Yes | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 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 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | 6.120% | $0.00 | 1.4 | None | Yes | No | 7.750% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 25 | 26 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | 1 | $455,000.00 | 2.500% | 08/26/2020 | $396,740.30 | $1,797.80 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.28 | No | No | $2,290.21 | $12,875.01 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466445 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,818.64 | $5,107.27 | 7.991% | $1,027.13 | $1,027.13 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $5,385.39 | 1 | [Redacted] | $2,465.04 | [Redacted] | $205.42 | 48.186% | 48.186% | 48.186% | [Redacted] | 729 | 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 - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 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 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $3,818.64 | 5.770% | $0.00 | 1.0 | None | Yes | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | 27 | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual | 1 | $240,000.00 | 1.875% | 07/16/2021 | $174,883.45 | $1,530.65 | 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 | $0.00 | $3,484.21 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466637 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $3,076.41 | 7.151% | $959.77 | $959.77 | 6.875% | No | No | Employed | US Citizen | $8,443.29 | 1 | [Redacted] | $1,541.04 | [Redacted] | $128.42 | 40.736% | 40.736% | 40.736% | [Redacted] | 792 | 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 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 | [Redacted] | $1,890.00 | 5.750% | $0.00 | 1.0 | None | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $382,500.00 | 3.250% | 04/06/2020 | $326,453.24 | $1,717.60 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466761 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,968.98 | $4,228.04 | 7.776% | $978.90 | $978.90 | 7.500% | No | No | Self-Employed | US Citizen | $15,255.15 | 1 | [Redacted] | $2,174.04 | [Redacted] | $181.17 | 37.437% | 37.437% | 37.437% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,968.98 | 5.980% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $422,750.00 | 3.000% | 09/24/2020 | $371,617.07 | $1,782.33 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466766 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $7,190.00 | $9,603.58 | 7.446% | $1,330.60 | $1,330.60 | 7.000% | No | No | Non-Employment Income | US Citizen | $4,889.48 | 1 | [Redacted] | $2,643.00 | [Redacted] | $220.25 | 43.857% | 43.857% | 43.857% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $7,190.00 | 6.120% | $0.00 | 1.3 | None | N/A | No | 7.000% | 0 | 1 | 0 | 3 | 1 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $871,000.00 | 3.625% | 12/14/2021 | $798,735.56 | $3,972.21 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225467935 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,311.85 | $9,037.30 | 8.077% | $2,848.76 | $2,848.76 | 7.875% | No | No | Self-Employed | US Citizen | $232,127.98 | 1 | [Redacted] | $8,487.72 | [Redacted] | $707.31 | 13.230% | 13.230% | 13.230% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,311.85 | 6.120% | $0.00 | 2.7 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $1,500,000.00 | 3.250% | 06/21/2021 | $1,351,123.52 | $6,528.09 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.72 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225468100 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $1,201.86 | 8.616% | $567.97 | $567.97 | 8.500% | No | No | Non-Employment Income | US Citizen | $3,924.42 | 1 | [Redacted] | $6,055.32 | [Redacted] | $504.61 | 40.835% | 40.835% | 40.835% | [Redacted] | 635 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | 6.220% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $176,603.00 | 4.250% | 02/01/2014 | $146,257.63 | $848.84 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225469423 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,290.00 | $4,189.46 | 7.050% | $1,324.74 | $1,324.74 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $10,042.86 | 1 | [Redacted] | $2,820.48 | [Redacted] | $235.04 | 40.489% | 40.489% | 40.489% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 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 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,290.00 | 6.020% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $200,000.00 | 3.250% | 08/11/2023 | $131,451.14 | $2,424.21 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | 99.6 | No | No | $0.00 | $12,875.57 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225469856 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,729.93 | $3,553.98 | 8.952% | $597.45 | $597.45 | 8.500% | No | No | Employed | US Citizen | $2,803.45 | 1 | [Redacted] | $1,820.04 | [Redacted] | $151.67 | 46.418% | 46.418% | 46.418% | [Redacted] | 697 | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [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 | [Redacted] | $2,729.93 | 6.120% | $0.00 | 4.6 | None | No | No | 8.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $195,000.00 | 3.250% | 05/05/2021 | $173,538.23 | $848.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225469857 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,779.50 | $6,463.18 | 7.993% | $2,885.78 | $2,885.78 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $28,211.77 | 1 | [Redacted] | $4,002.96 | [Redacted] | $333.58 | 21.692% | 21.692% | 21.692% | [Redacted] | 731 | No | Yes | 12 | Business | 88.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2013 [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 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,779.50 | 6.020% | $0.00 | 3.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $325,000.00 | 2.375% | 02/11/2021 | $242,677.00 | $1,702.47 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225469913 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,137.75 | $5,108.24 | 7.597% | $920.94 | $920.94 | 7.250% | No | No | Employed | US Citizen | $3,473.33 | 1 | [Redacted] | $3,093.24 | [Redacted] | $257.77 | 44.843% | 44.843% | 44.843% | [Redacted] | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,137.75 | 6.020% | $0.00 | 3.3 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $258,990.00 | 0.010% | 04/07/2020 | $228,383.00 | $1,193.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225471807 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $3,837.38 | 7.653% | $722.81 | $722.81 | 7.250% | No | No | Self-Employed | US Citizen | $3,883.66 | 1 | [Redacted] | $1,943.88 | [Redacted] | $161.99 | 45.384% | 45.384% | 45.384% | [Redacted] | 750 | No | Yes | 12 | Personal | 59.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 5.750% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $472,500.00 | 2.990% | 10/09/2020 | $416,219.86 | $1,989.53 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 300 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473690 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,717.23 | $2,730.77 | 7.607% | $370.55 | $370.55 | 7.125% | No | No | Non-Employment Income | US Citizen | $10,745.58 | 1 | [Redacted] | $1,546.32 | [Redacted] | $128.86 | 23.277% | 23.277% | 23.277% | [Redacted] | 815 | No | No | [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 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) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,717.23 | 6.120% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $350,000.00 | 2.625% | 01/20/2021 | $295,160.00 | $1,405.78 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473780 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,743.25 | 7.199% | $798.36 | $798.36 | 7.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,469.31 | 1 | [Redacted] | $2,064.48 | [Redacted] | $172.04 | 44.020% | 44.020% | 44.020% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Non-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 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.120% | $0.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $625,000.00 | 3.375% | 08/16/2021 | $566,236.00 | $2,763.10 | 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 | $9,375.47 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225474344 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $4,615.05 | 7.697% | $3,149.68 | $3,149.68 | 7.625% | No | No | Employed | US Citizen | $8,161.60 | 1 | [Redacted] | $1,785.96 | [Redacted] | $148.83 | 43.675% | 43.675% | 43.675% | [Redacted] | 782 | 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 - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $548,250.00 | 3.625% | 06/21/2021 | $491,651.31 | $2,500.30 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225474902 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $3,220.45 | 7.051% | $2,667.86 | $2,667.86 | 7.000% | No | No | Self-Employed | US Citizen | $38,872.34 | 1 | [Redacted] | $5,364.96 | [Redacted] | $447.08 | 29.203% | 29.203% | 29.203% | [Redacted] | 793 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,690.00 | 5.990% | $0.00 | 4.2 | None | No | No | 7.000% | 3 | 2 | 0 | 3 | 3 | 12.00 | No | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,100,000.00 | 2.750% | 12/22/2020 | $939,639.50 | $4,490.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225475267 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,787.08 | 7.683% | $2,766.69 | $2,766.69 | 7.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $9,970.06 | 1 | [Redacted] | $3,395.04 | [Redacted] | $282.92 | 35.655% | 35.655% | 35.655% | [Redacted] | 686 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.750% | $0.00 | 3.4 | None | Yes | No | 7.625% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $210,000.00 | 2.250% | 04/25/2024 | $179,766.83 | $842.45 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.28 | No | $0.00 | $8,122.96 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225475594 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,190.75 | $4,369.68 | 8.091% | $881.19 | $881.19 | 7.750% | No | No | Employed | US Citizen | $8,469.11 | 1 | [Redacted] | $312.96 | [Redacted] | $26.08 | 46.697% | 46.697% | 46.697% | [Redacted] | 770 | No | Yes | 12 | Business | 55.000% | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,190.75 | 5.980% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $404,000.00 | 3.125% | 11/08/2021 | $367,814.48 | $1,730.64 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225475595 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,935.00 | $4,118.47 | 8.373% | $601.81 | $601.81 | 7.875% | No | No | Employed | US Citizen | $4,545.92 | 1 | [Redacted] | $1,587.00 | [Redacted] | $132.25 | 47.798% | 47.798% | 47.798% | [Redacted] | 751 | 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 - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,935.00 | 6.120% | $0.00 | 1.4 | None | Yes | No | 7.875% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $394,718.00 | 2.750% | 03/12/2021 | $350,925.58 | $1,611.40 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225476418 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,241.00 | $3,152.25 | 8.329% | $2,253.80 | $2,253.80 | 8.250% | No | No | Employed | Employed | US Citizen | US Citizen | $23,869.22 | 1 | [Redacted] | $3,495.72 | [Redacted] | $291.31 | 46.242% | 46.242% | 46.242% | [Redacted] | 707 | 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 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 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 - 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]; 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 [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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,241.00 | 6.120% | $0.00 | 2.3 | None | N/A | No | 8.250% | 2 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,813,000.00 | 7.875% | 07/01/2025 | $1,806,679.09 | $11,910.12 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.77 | No | No | $0.00 | $11,934.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225479112 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,892.48 | 7.004% | $988.47 | $988.47 | 6.750% | No | No | Self-Employed | US Citizen | $10,562.89 | 1 | [Redacted] | $2,493.96 | [Redacted] | $207.83 | 32.654% | 32.654% | 32.654% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 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 | [Redacted] | $1,790.00 | 5.750% | $0.00 | None | No | No | 6.750% | 0 | 1 | 0 | 2 | 1 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $660,100.00 | 3.250% | 07/13/2021 | $595,843.17 | $2,872.80 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225479339 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,484.25 | $6,115.98 | 8.227% | $1,845.42 | $1,845.42 | 8.000% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $38,972.21 | 1 | [Redacted] | $2,382.96 | [Redacted] | $198.58 | 21.938% | 21.938% | 21.938% | [Redacted] | 749 | No | No | [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 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 [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 | [Redacted] | $4,484.25 | 6.220% | $0.00 | 3.5 | None | No | No | 8.000% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $886,401.00 | 3.990% | 03/11/2022 | $817,980.33 | $4,226.71 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.68 | No | No | $49,924.79 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225479340 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,756.44 | $6,664.16 | 8.442% | $2,341.28 | $2,341.28 | 8.250% | No | No | Self-Employed | US Citizen | $35,516.76 | 1 | [Redacted] | $9,489.96 | [Redacted] | $790.83 | 42.250% | 42.250% | 42.250% | [Redacted] | 760 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,756.44 | 6.220% | $0.00 | 3.3 | None | No | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,568,000.00 | 7.125% | 03/27/2025 | $1,568,000.00 | $9,310.00 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225480336 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,689.39 | 7.861% | $1,401.19 | $1,401.19 | 7.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $4,582.07 | 1 | [Redacted] | $1,968.72 | [Redacted] | $164.06 | 43.276% | 43.276% | 43.276% | [Redacted] | 697 | No | No | [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%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 [Coborrower]; 4506-C - 2025 [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 | [Redacted] | $1,590.00 | 5.870% | $0.00 | None | N/A | No | 7.625% | 1 | 2 | 0 | 0 | 3 | 1 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $261,000.00 | 3.375% | 04/01/2021 | $227,866.96 | $1,125.98 | 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 | No | $0.00 | $5,742.00 | No | No | No | No | 2 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488557 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,229.51 | $3,892.08 | 7.867% | $801.24 | $801.24 | 7.375% | No | No | Employed | US Citizen | $5,060.54 | 1 | [Redacted] | $2,149.44 | [Redacted] | $179.12 | 41.462% | 41.462% | 41.462% | [Redacted] | 752 | 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]; WVOE - 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 - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $3,229.51 | 5.750% | $0.00 | None | N/A | No | 7.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $235,000.00 | 3.875% | 11/15/2019 | $195,390.56 | $1,049.80 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488587 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,994.00 | $2,468.84 | 7.227% | $665.30 | $665.30 | 7.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,906.36 | 1 | [Redacted] | $2,535.00 | [Redacted] | $211.25 | 44.387% | 44.387% | 44.387% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,994.00 | 6.120% | $0.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $169,000.00 | 5.750% | 04/06/2023 | $162,263.80 | $986.24 | 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 | $1,811.13 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488588 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,980.00 | $5,209.87 | 8.480% | $1,652.79 | $1,652.79 | 8.250% | No | No | Employed | US Citizen | $5,899.18 | 2 | [Redacted] | $1,515.96 | [Redacted] | $126.33 | 44.292% | 44.292% | 44.292% | [Redacted] | 737 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [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 | [Redacted] | $3,980.00 | 6.430% | $0.00 | None | No | No | 8.250% | 2 | 2 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $370,787.00 | 2.375% | 12/30/2020 | $324,982.00 | $1,441.07 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488589 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $636.01 | $2,741.75 | 7.588% | $825.87 | $825.87 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $19,167.33 | 1 | [Redacted] | $4,059.96 | [Redacted] | $338.33 | 18.291% | 18.291% | 18.291% | [Redacted] | 809 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $636.01 | 6.020% | $0.00 | 1.0 | None | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $401,068.00 | 2.990% | 08/11/2021 | $355,626.25 | $1,688.76 | 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 | $0.00 | $12,120.78 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488590 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $2,385.85 | 7.190% | $936.45 | $936.45 | 6.875% | No | No | Employed | US Citizen | $6,100.19 | 1 | [Redacted] | $1,983.00 | [Redacted] | $165.25 | 44.816% | 44.816% | 44.816% | [Redacted] | 785 | 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 [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 | [Redacted] | $1,595.00 | 5.730% | $0.00 | None | N/A | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $436,000.00 | 2.490% | 09/20/2021 | $337,945.77 | $2,308.25 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488750 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,320.83 | $3,150.29 | 9.128% | $583.09 | $583.09 | 8.500% | No | No | Self-Employed | US Citizen | $6,524.28 | 1 | [Redacted] | $2,205.96 | [Redacted] | $183.83 | 42.387% | 42.387% | 42.387% | [Redacted] | 693 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,320.83 | 5.940% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $332,213.00 | 2.875% | 07/21/2021 | $297,529.32 | $1,378.33 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225493885 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,185.42 | $3,940.74 | 7.324% | $836.92 | $836.92 | 6.875% | No | No | Employed | US Citizen | $3,340.90 | 1 | [Redacted] | $1,634.04 | [Redacted] | $136.17 | 46.236% | 46.236% | 46.236% | [Redacted] | 765 | 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 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 | [Redacted] | $2,185.42 | 5.940% | $0.00 | None | N/A | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $385,000.00 | 2.875% | 09/01/2021 | $346,906.10 | $1,597.34 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225493886 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,924.50 | $4,545.76 | 8.888% | $2,194.89 | $2,194.89 | 8.750% | No | No | Self-Employed | US Citizen | $46,476.10 | 1 | [Redacted] | $3,576.00 | [Redacted] | $298.00 | 38.482% | 38.482% | 38.482% | [Redacted] | 697 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,924.50 | 6.220% | $0.00 | 3.5 | None | No | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $602,400.00 | 3.750% | 04/22/2022 | $557,590.00 | $2,789.81 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225493917 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $3,569.97 | 7.100% | $1,343.67 | $1,343.67 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,944.31 | 1 | [Redacted] | $3,627.96 | [Redacted] | $302.33 | 43.654% | 43.654% | 43.654% | [Redacted] | 707 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; 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%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [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 - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 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%)]; 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]; 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]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.990% | $0.00 | None | N/A | No | 6.875% | 2 | 2 | 2 | 0 | 3 | 2 | 14.53 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $619,000.00 | 2.875% | 11/04/2020 | $545,300.94 | $2,568.18 | 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 | $8,954.46 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225494013 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,989.78 | 7.377% | $1,330.24 | $1,330.24 | 7.250% | No | No | Self-Employed | US Citizen | $4,871.95 | 1 | [Redacted] | $3,091.92 | [Redacted] | $257.66 | 49.810% | 49.810% | 49.810% | [Redacted] | 756 | No | No | Borrower Prepared | [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 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 | [Redacted] | $1,690.00 | 6.220% | $0.00 | None | N/A | No | 7.250% | 0 | 1 | 0 | 1 | 1 | 3.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $250,000.00 | 3.375% | 10/21/2021 | $227,517.02 | $1,368.70 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225494365 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,090.00 | $0.00 | 9.345% | $1,663.50 | $1,663.50 | 9.375% | No | No | Self-Employed | US Citizen | $22,999.01 | 1 | [Redacted] | $4,943.16 | [Redacted] | $411.93 | 44.510% | 44.510% | 44.510% | [Redacted] | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.370% | $0.00 | 3.2 | None | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individually and as Trustee | 1 | $1,750,000.00 | 6.625% | 03/04/2026 | $1,750,000.00 | $11,205.44 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225494373 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,543.50 | $3,619.97 | 8.511% | $1,036.75 | $1,036.75 | 8.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $3,984.64 | 1 | [Redacted] | $3,072.00 | [Redacted] | $256.00 | 47.272% | 47.272% | 47.272% | [Redacted] | 748 | 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]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [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]; 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 | [Redacted] | $2,543.50 | 6.120% | $0.00 | None | N/A | No | 8.250% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | 1 | $333,540.00 | 2.940% | 04/27/2021 | $294,656.04 | $1,395.45 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $7,557.03 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225494448 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,744.00 | $4,256.90 | 8.353% | $952.98 | $952.98 | 7.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $16,344.36 | 1 | [Redacted] | $2,334.96 | [Redacted] | $194.58 | 24.040% | 24.040% | 24.040% | [Redacted] | 652 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 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%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 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]; 4506-C - 2023 [Borrower]; Transcripts (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]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,744.00 | 5.950% | $0.00 | None | N/A | No | 7.875% | 3 | 2 | 1 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $230,000.00 | 5.375% | 06/20/2022 | $215,373.95 | $1,287.94 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.41 | No | No | $17,403.08 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225495932 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,646.25 | $5,797.61 | 8.699% | $1,330.13 | $1,330.13 | 8.375% | No | No | Self-Employed | US Citizen | $23,850.25 | 1 | [Redacted] | $2,708.40 | [Redacted] | $225.70 | 34.240% | 34.240% | 34.240% | [Redacted] | 667 | No | Yes | 12 | Business | 79.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,646.25 | 6.430% | $0.00 | 1.5 | None | No | No | 8.375% | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $250,000.00 | 3.500% | 05/15/2006 | $163,991.37 | $900.71 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225496220 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,095.88 | $3,659.18 | 7.875% | $677.94 | $677.94 | 7.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $9,626.98 | 1 | [Redacted] | $5,862.96 | [Redacted] | $488.58 | 49.156% | 49.156% | 49.156% | [Redacted] | 731 | Yes | No | [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]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Other - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Other - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 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) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,095.88 | 6.220% | $0.00 | None | N/A | No | 7.500% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $276,000.00 | 2.750% | 03/08/2021 | $244,814.13 | $1,686.32 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 139.88 | No | No | $994.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225496278 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $3,023.15 | 7.447% | $2,348.30 | $2,348.30 | 7.375% | No | No | Employed | Not Employed | US Citizen | Permanent Resident Alien | $8,129.89 | 1 | [Redacted] | $2,256.48 | [Redacted] | $188.04 | 45.371% | 45.371% | 45.371% | [Redacted] | 797 | 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 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.120% | $0.00 | 1.1 | None | No | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $402,800.00 | 0.010% | 05/19/2016 | $328,078.00 | $2,313.57 | 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 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225499422 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,274.66 | $4,978.24 | 8.007% | $701.84 | $701.84 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,086.60 | 1 | [Redacted] | $1,397.04 | [Redacted] | $116.42 | 32.384% | 32.384% | 32.384% | [Redacted] | 764 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,274.66 | 6.120% | $0.00 | 1.4 | None | No | No | 7.500% | 2 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $275,250.00 | 5.250% | 04/13/2022 | $259,584.00 | $1,519.95 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.83 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225499512 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,295.00 | $2,713.97 | 7.911% | $3,625.35 | $3,625.35 | 7.875% | No | No | Employed | US Citizen | $15,041.94 | 2 | [Redacted] | $3,668.16 | [Redacted] | $305.68 | 43.602% | 43.602% | 43.602% | [Redacted] | 786 | Yes | 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 - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [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 | [Redacted] | $1,295.00 | 6.220% | $0.00 | None | No | No | 7.875% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $1,008,787.00 | 2.875% | 04/27/2021 | $898,886.00 | $4,185.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225499513 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,869.28 | $4,521.49 | 8.279% | $914.88 | $914.88 | 7.750% | No | No | Employed | US Citizen | $17,417.56 | 1 | [Redacted] | $1,451.76 | [Redacted] | $120.98 | 42.574% | 42.574% | 42.574% | [Redacted] | 702 | 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]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,869.28 | 5.750% | $0.00 | None | N/A | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $333,750.00 | 5.375% | 04/19/2019 | $290,492.89 | $1,868.90 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225503121 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,500.70 | 7.352% | $1,422.15 | $1,422.15 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $16,799.96 | 1 | [Redacted] | $1,997.52 | [Redacted] | $166.46 | 28.886% | 28.886% | 28.886% | [Redacted] | 790 | 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 [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 |
[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 | [Redacted] | $1,590.00 | 5.530% | $0.00 | 1.0 | None | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $410,000.00 | 3.125% | 11/16/2020 | $363,730.05 | $1,756.34 | 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 | $0.00 | $7,500.03 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225504668 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $0.00 | $1,947.68 | 7.891% | $3,625.35 | $3,625.35 | 7.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $20,126.76 | 1 | [Redacted] | $2,070.00 | [Redacted] | $172.50 | 25.910% | 25.910% | 25.910% | [Redacted] | 792 | No | No | [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [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%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 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 [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 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.430% | $0.00 | 3.7 | None | Yes | No | 7.875% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $500,000.00 | 2.625% | 10/20/2020 | $418,740.05 | $2,008.25 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225504677 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $5,930.00 | $7,545.66 | 7.771% | $1,312.28 | $1,312.28 | 7.375% | No | No | Self-Employed | US Citizen | $7,840.25 | 1 | [Redacted] | $2,202.00 | [Redacted] | $183.50 | 49.331% | 49.331% | 49.331% | [Redacted] | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2005 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,930.00 | 6.120% | $0.00 | 4.1 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $790,000.00 | 3.125% | 08/09/2021 | $642,829.72 | $3,384.17 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.39 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225504729 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,347.43 | 7.540% | $1,384.44 | $1,384.44 | 7.500% | No | No | Employed | US Citizen | $4,415.24 | 1 | [Redacted] | $4,175.04 | [Redacted] | $347.92 | 44.225% | 44.225% | 44.225% | [Redacted] | 785 | 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 Transcript - 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 - | 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 | [Redacted] | $1,490.00 | 6.430% | $0.00 | 1.0 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $181,500.00 | 3.375% | 04/01/2021 | $155,256.00 | $802.40 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225505127 | [Redacted] | [Redacted] | N/A | No | No | $945.07 | $945.07 | 9.750% | No | No | US Citizen | 1 | [Redacted] | $1,194.36 | [Redacted] | $99.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $257,200.00 | 3.250% | 03/04/2021 | $230,192.93 | $1,119.35 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225505203 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,138.50 | $5,763.56 | 7.549% | $909.52 | $909.52 | 7.125% | No | No | Employed | US Citizen | $6,051.65 | 1 | [Redacted] | $1,958.40 | [Redacted] | $163.20 | 49.946% | 49.946% | 49.946% | [Redacted] | 726 | 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 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 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 | [Redacted] | $4,138.50 | 6.120% | $0.00 | 2.6 | None | Yes | No | 7.125% | 3 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $327,000.00 | 3.000% | 08/09/2021 | $295,880.05 | $1,378.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225506819 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $3,183.33 | 7.089% | $1,343.67 | $1,343.67 | 6.875% | No | No | Employed | US Citizen | $12,480.80 | 1 | [Redacted] | $7,005.00 | [Redacted] | $583.75 | 33.572% | 33.572% | 33.572% | [Redacted] | 770 | 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 - 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 | [Redacted] | $1,590.00 | 5.940% | $0.00 | 1.0 | None | No | No | 6.875% | 2 | 0 | 0 | 4 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $400,000.00 | 6.500% | 09/01/2025 | $398,541.80 | $2,528.27 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225518076 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,745.00 | $3,896.20 | 8.883% | $1,128.17 | $1,128.17 | 8.500% | No | No | Employed | Permanent Resident Alien | $8,276.39 | 1 | [Redacted] | $630.00 | [Redacted] | $52.50 | 40.830% | 40.830% | 40.830% | [Redacted] | 654 | 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]; Transcripts (1040) - 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 | [Redacted] | $2,745.00 | 5.990% | $0.00 | 2.6 | None | Yes | No | 8.500% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 25 | Yes | Final | Fee Simple | Individual | Individual | 1 | $520,000.00 | 3.388% | 01/08/2022 | $477,504.91 | $2,302.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 26.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225518742 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $7,077.20 | $8,765.58 | 8.977% | $3,074.35 | $3,074.35 | 8.750% | No | No | Employed | US Citizen | $15,462.88 | 1 | [Redacted] | $3,957.96 | [Redacted] | $329.83 | 39.857% | 39.857% | 39.857% | [Redacted] | 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 - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,077.20 | 6.060% | $0.00 | 2.2 | None | Yes | No | 8.750% | 3 | 1 | 0 | 3 | 1 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $187,600.00 | 3.125% | 10/19/2020 | $109,209.73 | $1,306.84 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225518788 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,690.00 | $2,773.03 | 8.965% | $1,360.91 | $1,360.91 | 8.750% | No | No | Self-Employed | US Citizen | $2,793.37 | 1 | [Redacted] | $2,383.80 | [Redacted] | $198.65 | 43.793% | 43.793% | 43.793% | [Redacted] | 645 | No | No | [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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]; 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 | [Redacted] | $1,690.00 | 5.940% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 2 | 0 | 3 | 2 | No | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | 1 | $319,000.00 | 2.875% | 04/25/2012 | $221,529.00 | $1,356.09 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225521388 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $2,287.20 | $3,163.05 | 10.298% | $568.76 | $568.76 | 9.750% | No | No | Employed | Employed | US Citizen | US Citizen | $6,961.30 | 1 | [Redacted] | $3,801.00 | [Redacted] | $316.75 | 34.523% | 34.523% | 34.523% | [Redacted] | 631 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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]; 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 |
[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 | [Redacted] | $2,287.20 | 6.430% | $0.00 | 2.5 | None | Yes | No | 9.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $206,000.00 | 3.724% | 01/28/2022 | $190,253.39 | $950.98 | 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 | $0.00 | $5,416.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225521389 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,946.11 | 7.714% | $594.33 | $594.33 | 7.500% | No | No | Employed | US Citizen | $12,650.14 | 1 | [Redacted] | $6,745.44 | [Redacted] | $562.12 | 31.130% | 31.130% | 31.130% | [Redacted] | 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]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [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 | [Redacted] | $1,490.00 | 6.430% | $0.00 | 2.2 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $409,000.00 | 2.875% | 01/25/2021 | $359,219.47 | $1,696.91 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225521390 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,176.25 | $5,343.35 | 8.768% | $1,504.87 | $1,504.87 | 8.375% | No | No | Self-Employed | US Citizen | $4,882.91 | 2 | [Redacted] | $1,953.00 | [Redacted] | $162.75 | 44.045% | 44.045% | 44.045% | [Redacted] | 660 | No | No | Borrower Prepared | [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]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,176.25 | 5.990% | $0.00 | None | No | No | 8.375% | 0 | 1 | 0 | 2 | 1 | 15.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $294,745.00 | 2.750% | 01/13/2022 | $264,291.06 | $1,266.36 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225521464 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,445.00 | $3,200.17 | 8.965% | $777.79 | $777.79 | 8.625% | No | No | Self-Employed | Permanent Resident Alien | $11,194.69 | 1 | [Redacted] | $4,857.00 | [Redacted] | $404.75 | 43.912% | 43.912% | 43.912% | [Redacted] | 720 | No | Yes | 12 | Business | 100.000% | 100.000% | Audited | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Audited P&L - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,445.00 | 6.120% | $0.00 | None | N/A | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 12.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $250,000.00 | 2.625% | 07/23/2020 | $217,043.80 | $0.01 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 18.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225522187 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $10,914.00 | $12,845.84 | 8.407% | $3,278.85 | $3,278.85 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $15,008.56 | 1 | [Redacted] | $4,478.52 | [Redacted] | $373.21 | 45.032% | 45.032% | 45.032% | [Redacted] | 687 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; 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]; 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 | [Redacted] | $10,914.00 | 5.950% | $0.00 | 2.9 | None | No | No | 8.000% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 7 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $548,250.00 | 2.875% | 07/30/2021 | $491,813.63 | $2,274.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.26 | No | $0.00 | $20,937.63 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225522835 | [Redacted] | [Redacted] | N/A | No | No | $1,448.32 | $1,448.32 | 9.000% | No | No | US Citizen | 1 | [Redacted] | $1,277.16 | [Redacted] | $106.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $375,000.00 | 3.250% | 03/03/2021 | $335,623.58 | $1,632.02 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 55.46 | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225523104 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $7,174.63 | $8,392.03 | 8.232% | $2,579.18 | $2,579.18 | 8.000% | No | No | Employed | US Citizen | $13,564.53 | 1 | [Redacted] | $2,040.84 | [Redacted] | $170.07 | 37.270% | 37.270% | 37.270% | [Redacted] | 791 | 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 - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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]; Paystubs - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[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 | [Redacted] | $7,174.63 | 6.430% | $0.00 | 1.8 | None | Yes | No | 8.000% | 2 | 0 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $638,447.00 | 3.250% | 05/08/2020 | $557,525.00 | $2,778.56 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225526602 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,117.50 | $4,249.28 | 7.230% | $564.28 | $564.28 | 6.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $2,675.62 | 1 | [Redacted] | $2,667.96 | [Redacted] | $222.33 | 44.424% | 44.424% | 44.424% | [Redacted] | 741 | No | No | [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 - 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]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [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 | [Redacted] | $2,117.50 | 6.430% | $0.00 | None | N/A | No | 6.750% | 0 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $113,750.00 | 2.875% | 08/04/2021 | $102,495.00 | $679.20 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $2,450.77 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225526991 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,145.00 | $3,422.16 | 8.388% | $1,878.17 | $1,878.17 | 8.250% | No | No | Self-Employed | US Citizen | $72,003.48 | 1 | [Redacted] | $2,565.00 | [Redacted] | $213.75 | 4.430% | 4.430% | 4.430% | [Redacted] | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,145.00 | 6.120% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | 1 | $200,000.00 | 3.625% | 12/18/2012 | $137,761.00 | $912.11 | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 74.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225526992 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,223.03 | $5,631.43 | 8.266% | $1,530.16 | $1,530.16 | 8.000% | No | No | Self-Employed | US Citizen | $41,672.08 | 1 | [Redacted] | $1,347.96 | [Redacted] | $112.33 | 12.077% | 12.077% | 12.077% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,223.03 | 6.430% | $0.00 | 1.0 | None | No | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $154,898.00 | 2.875% | 09/18/2020 | $135,823.38 | $642.66 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225527068 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,890.00 | $2,617.08 | 7.798% | $1,061.69 | $1,061.69 | 7.625% | No | No | Employed | US Citizen | $10,002.33 | 1 | [Redacted] | $2,040.00 | [Redacted] | $170.00 | 40.854% | 40.854% | 40.854% | [Redacted] | 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 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 | [Redacted] | $1,890.00 | 6.370% | $0.00 | 1.0 | None | No | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $441,849.00 | 2.750% | 10/28/2020 | $385,904.58 | $1,803.81 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225527071 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,941.09 | 7.632% | $1,398.43 | $1,398.43 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,075.26 | 1 | [Redacted] | $3,424.32 | [Redacted] | $285.36 | 42.057% | 42.057% | 42.057% | [Redacted] | 701 | 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 - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [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 | [Redacted] | $1,790.00 | 6.430% | $0.00 | None | N/A | No | 7.500% | 2 | 0 | 2 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 26 | Yes | Final | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | 1 | $673,000.00 | 2.500% | 12/06/2021 | $673,000.00 | $1,402.08 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225528685 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,615.00 | $1,958.26 | 7.568% | $690.68 | $690.68 | 7.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,853.52 | 1 | [Redacted] | $1,519.44 | [Redacted] | $126.62 | 48.861% | 48.861% | 48.861% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 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 [Borrower]; Transcripts (1040) - No Results Returned - 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]; Transcripts (1040) - No Results Returned - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,615.00 | 6.220% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 3 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $75,000.00 | 3.875% | 12/18/2021 | $69,014.85 | $352.68 | 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 | No | $3,014.67 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225530515 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,594.00 | $4,403.80 | 8.407% | $2,027.67 | $2,027.67 | 8.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $38,231.60 | 1 | [Redacted] | $3,291.96 | [Redacted] | $274.33 | 42.890% | 42.890% | 42.890% | [Redacted] | 680 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,594.00 | 6.370% | $0.00 | 3.8 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 0.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,889,300.00 | 6.875% | 03/25/2026 | $1,889,300.00 | $12,411.36 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225533763 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $2,151.58 | $3,797.23 | 11.560% | $669.45 | $669.45 | 10.875% | No | No | Self-Employed | US Citizen | $5,381.24 | 1 | [Redacted] | $4,223.64 | [Redacted] | $351.97 | 47.358% | 47.358% | 47.358% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,151.58 | 5.980% | $0.00 | 1.0 | None | Yes | No | 10.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $595,000.00 | 3.940% | 03/30/2022 | $553,053.81 | $2,820.08 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225541447 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,295.00 | $4,456.26 | 8.084% | $707.79 | $707.79 | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $6,297.80 | 1 | [Redacted] | $1,839.60 | [Redacted] | $153.30 | 25.119% | 25.119% | 25.119% | [Redacted] | 665 | 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]; 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 Transcript - 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,295.00 | 5.990% | $0.00 | None | N/A | No | 7.625% | 2 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | No | 4 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | 1 | $229,500.00 | 3.199% | 12/08/2021 | $209,526.36 | $992.39 | 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 | $0.00 | $5,586.96 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225542710 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,870.00 | $4,788.20 | 8.184% | $936.79 | $936.79 | 7.625% | No | No | Employed | US Citizen | $6,389.15 | 1 | [Redacted] | $1,547.04 | [Redacted] | $128.92 | 33.331% | 33.331% | 33.331% | [Redacted] | 642 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 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]; 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 | [Redacted] | $3,870.00 | 5.700% | $0.00 | 2.2 | None | No | No | 7.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $264,320.00 | 2.875% | 08/27/2018 | $248,810.00 | $927.28 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225543076 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $1,423.00 | $2,237.98 | 10.785% | $448.05 | $448.05 | 10.250% | No | No | Self-Employed | US Citizen | $7,448.32 | 1 | [Redacted] | $3,027.48 | [Redacted] | $252.29 | 37.161% | 37.161% | 37.161% | [Redacted] | 675 | No | No | [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]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 1 | 0 | 0 | [Redacted] | $1,423.00 | 6.430% | $0.00 | 1.2 | None | No | No | 10.250% | 0 | 1 | 0 | 2 | 1 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $284,900.00 | 6.750% | 01/26/2023 | $275,141.00 | $1,847.86 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225544676 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $895.00 | $1,888.75 | 8.724% | $692.02 | $692.02 | 8.500% | No | No | Employed | US Citizen | $12,100.79 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 31.014% | 31.014% | 31.014% | [Redacted] | 658 | 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 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 | [Redacted] | $895.00 | 6.430% | $0.00 | 2.6 | None | Yes | No | 8.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $585,000.00 | 2.830% | 05/20/2022 | $535,998.00 | $3,931.48 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225544920 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,193.27 | $3,084.71 | 8.971% | $437.10 | $437.10 | 8.375% | No | No | Employed | US Citizen | $6,188.37 | 1 | [Redacted] | $615.00 | [Redacted] | $51.25 | 39.170% | 39.170% | 39.170% | [Redacted] | 654 | 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]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $2,193.27 | 6.020% | $0.00 | None | N/A | No | 8.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $148,000.00 | 5.625% | 08/02/2007 | $106,016.77 | $644.74 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225545351 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,291.03 | 7.894% | $1,074.62 | $1,074.62 | 7.750% | No | No | Self-Employed | US Citizen | $9,053.97 | 1 | [Redacted] | $4,261.20 | [Redacted] | $355.10 | 47.654% | 47.654% | 47.654% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 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 | [Redacted] | $1,490.00 | 6.370% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 1 | 0 | 3 | 1 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $352,000.00 | 3.375% | 07/01/2021 | $317,916.77 | $1,556.18 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225545504 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $1,482.32 | $2,016.18 | 8.707% | $748.92 | $748.92 | 8.500% | No | No | Employed | US Citizen | $88,838.37 | 1 | [Redacted] | $3,704.04 | [Redacted] | $308.67 | 37.916% | 37.916% | 37.916% | [Redacted] | 770 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $1,482.32 | 6.430% | $0.00 | None | No | No | 8.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $330,000.00 | 3.750% | 11/23/2021 | $302,566.18 | $1,528.28 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 156.73 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225546445 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $5,898.17 | 6.800% | $1,200.93 | $1,200.93 | 6.500% | No | No | Employed | US Citizen | $7,939.82 | 1 | [Redacted] | $4,981.44 | [Redacted] | $415.12 | 37.889% | 37.889% | 37.889% | [Redacted] | 806 | 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 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 | [Redacted] | $1,790.00 | 6.430% | $0.00 | None | No | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Final | Fee Simple | Individual | Individual | 1 | $548,250.00 | 3.125% | 06/23/2021 | $492,811.03 | $2,348.57 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 05/09/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225546635 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $1,579.54 | $1,885.50 | 10.696% | $638.31 | $638.31 | 10.375% | No | No | Employed | US Citizen | $5,889.09 | 1 | [Redacted] | $3,169.44 | [Redacted] | $264.12 | 44.956% | 44.956% | 44.956% | [Redacted] | 676 | 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 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]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $1,579.54 | 6.430% | $0.00 | 1.0 | None | Yes | No | 10.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Title Search | Fee Simple | Individual | Individual | 1 | $459,401.00 | 2.875% | 10/20/2021 | $415,767.75 | $1,906.02 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225546865 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,686.40 | $3,558.70 | 9.234% | $645.65 | $645.65 | 8.750% | No | No | Employed | US Citizen | $27,825.18 | 1 | [Redacted] | $1,923.96 | [Redacted] | $160.33 | 18.889% | 18.889% | 18.889% | [Redacted] | 720 | No | Yes | 36 | Business | 98.000% | [Borrower - | Primary Income - Wages]; Paystubs - 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 - | 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 - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,686.40 | 5.980% | $0.00 | 1.1 | None | Yes | No | 8.750% | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $254,000.00 | 3.875% | 02/28/2022 | $233,930.06 | $1,194.40 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225547116 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $2,575.90 | 7.033% | $1,018.24 | $1,018.24 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $5,917.19 | 1 | [Redacted] | $3,414.00 | [Redacted] | $284.50 | 44.966% | 44.966% | 44.966% | [Redacted] | 739 | 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 [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]; 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 | [Redacted] | $1,595.00 | 6.020% | $0.00 | None | N/A | No | 6.875% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 28 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $365,000.00 | 6.875% | 08/31/2006 | $154,127.00 | $955.19 | 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 | $0.00 | $5,489.73 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225547132 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,998.24 | 8.541% | $1,375.88 | $1,375.88 | 8.375% | No | No | Employed | Employed | US Citizen | US Citizen | $4,098.62 | 1 | [Redacted] | $2,017.92 | [Redacted] | $168.16 | 48.802% | 48.802% | 48.802% | [Redacted] | 666 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2018 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2018 |
[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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.030% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $350,000.00 | 3.250% | 05/28/2019 | $300,817.64 | $1,523.22 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.54 | No | $4,082.79 | $0.00 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225547931 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,630.14 | $3,867.14 | 7.726% | $2,576.69 | $2,576.69 | 7.625% | No | No | Employed | US Citizen | $15,235.88 | 1 | [Redacted] | $5,162.76 | [Redacted] | $430.23 | 40.740% | 40.740% | 40.740% | [Redacted] | 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 - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | 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]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,630.14 | 5.980% | $0.00 | 2.5 | None | Yes | No | 7.625% | 3 | 1 | 0 | 3 | 1 | 0.00 | No | No | [Redacted] | [Redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $496,630.00 | 3.250% | 08/01/2020 | $435,955.00 | $2,161.37 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.06 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225547932 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,469.90 | $3,314.76 | 9.096% | $476.73 | $476.73 | 8.500% | No | No | Employed | US Citizen | $4,992.50 | 1 | [Redacted] | $5,681.16 | [Redacted] | $473.43 | 40.774% | 40.774% | 40.774% | [Redacted] | 650 | 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 - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[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 | [Redacted] | $2,469.90 | 6.220% | $0.00 | None | N/A | No | 8.500% | 3 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $212,940.00 | 2.500% | 08/02/2021 | $189,120.00 | $841.37 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550712 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $4,283.80 | 7.087% | $2,993.86 | $2,993.86 | 7.000% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,257.61 | 1 | [Redacted] | $7,243.92 | [Redacted] | $603.66 | 43.090% | 43.090% | 43.090% | [Redacted] | 704 | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 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 [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 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.430% | $0.00 | None | No | No | 7.000% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,000,000.00 | 2.875% | 10/01/2021 | $905,021.73 | $4,148.92 | 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 | $6,810.08 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550726 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $2,524.30 | 8.841% | $2,360.10 | $2,360.10 | 8.750% | No | No | Employed | US Citizen | $8,210.84 | 1 | [Redacted] | $2,286.96 | [Redacted] | $190.58 | 48.365% | 48.365% | 48.365% | [Redacted] | 700 | Yes | 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 - | Non-Primary Income - Asset Depletion]; Account Statements - 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 | 2 | 0 | 0 | [Redacted] | $1,790.00 | 6.430% | $0.00 | 4.7 | None | No | No | 8.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $704,800.00 | 2.875% | 09/02/2021 | $632,809.47 | $2,924.16 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 70.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550762 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $1,503.62 | 8.942% | $568.19 | $568.19 | 8.500% | No | No | Employed | US Citizen | $5,298.21 | 1 | [Redacted] | $3,845.04 | [Redacted] | $320.42 | 36.560% | 36.560% | 36.560% | [Redacted] | 643 | 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 - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $1,490.00 | 5.610% | $0.00 | None | N/A | No | 8.500% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $165,750.00 | 3.250% | 10/22/2021 | $150,532.00 | $721.35 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550764 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,090.60 | $3,093.28 | 8.129% | $903.04 | $903.04 | 7.750% | No | No | Self-Employed | US Citizen | $3,492.53 | 1 | [Redacted] | $1,790.88 | [Redacted] | $149.24 | 42.370% | 42.370% | 42.370% | [Redacted] | 675 | No | No | Borrower Prepared | [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%)]; P&L Statement - 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]; 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 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $3,090.60 | 5.990% | $0.00 | None | N/A | No | 7.750% | 1 | 1 | 0 | 3 | 2 | 15.00 | No | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $270,000.00 | 2.990% | 03/05/2021 | $241,011.43 | $1,136.88 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550765 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,275.00 | $5,045.25 | 8.801% | $1,384.04 | $1,384.04 | 8.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $12,211.97 | 1 | [Redacted] | $1,127.64 | [Redacted] | $93.97 | 39.961% | 39.961% | 39.961% | [Redacted] | 688 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2018 |
[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 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $4,275.00 | 6.430% | $0.00 | 1.0 | None | No | No | 8.500% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $295,913.00 | 3.125% | 07/30/2020 | $260,173.11 | $1,267.62 | 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 | $15,756.75 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550766 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $4,778.38 | $4,656.58 | 7.757% | $763.25 | $763.25 | 7.125% | No | No | Employed | US Citizen | $7,150.38 | 1 | [Redacted] | $1,917.96 | [Redacted] | $159.83 | 47.616% | 47.616% | 47.616% | [Redacted] | 729 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $4,778.38 | 5.950% | $0.00 | 1.0 | None | Yes | No | 7.125% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $300,000.00 | 3.625% | 04/11/2022 | $269,556.78 | $1,368.15 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225554213 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,115.00 | $2,835.00 | 7.160% | $656.93 | $656.93 | 6.875% | No | No | Employed | US Citizen | $6,235.28 | 1 | [Redacted] | $1,830.00 | [Redacted] | $152.50 | 41.084% | 41.084% | 41.084% | [Redacted] | 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]; 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 | [Redacted] | $2,115.00 | 6.430% | $0.00 | None | N/A | No | 6.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $400,000.00 | 3.375% | 04/05/2021 | $352,738.04 | $1,768.38 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225554215 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,474.43 | $3,747.41 | 8.614% | $2,653.67 | $2,653.67 | 8.500% | No | No | Self-Employed | US Citizen | $7,087.95 | 1 | [Redacted] | $3,342.96 | [Redacted] | $278.58 | 46.537% | 46.537% | 46.537% | [Redacted] | 747 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,474.43 | 6.300% | $0.00 | 2.2 | None | Yes | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $211,687.00 | 4.000% | 02/10/2012 | $134,220.20 | $1,010.63 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225554363 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,979.00 | $4,775.15 | 8.500% | $1,024.65 | $1,024.65 | 8.125% | No | No | Employed | US Citizen | $5,763.81 | 1 | [Redacted] | $2,438.04 | [Redacted] | $203.17 | 43.328% | 43.328% | 43.328% | [Redacted] | 653 | 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]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 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 | [Redacted] | $3,979.00 | 6.020% | $0.00 | None | N/A | No | 8.125% | 1 | 0 | 0 | 3 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $296,000.00 | 2.990% | 06/11/2021 | $238,682.35 | $1,640.13 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225554368 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,480.00 | $5,426.22 | 8.239% | $1,753.70 | $1,753.70 | 8.000% | No | No | Self-Employed | US Citizen | $10,850.91 | 1 | [Redacted] | $1,830.00 | [Redacted] | $152.50 | 37.918% | 37.918% | 37.918% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,480.00 | 6.430% | $0.00 | 2.9 | None | Yes | No | 8.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $592,000.00 | 6.375% | 01/24/2024 | $281,880.49 | $1,804.55 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225554369 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $1,928.79 | 7.670% | $3,086.25 | $3,086.25 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $65,866.81 | 1 | [Redacted] | $5,784.96 | [Redacted] | $482.08 | 27.411% | 27.411% | 27.411% | [Redacted] | 748 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2019 |
[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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | 5.680% | $0.00 | 3.3 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | 1 | $750,000.00 | 4.990% | 06/13/2019 | $664,517.94 | $4,021.58 | 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 | No | $45,369.85 | $0.00 | No | No | No | No | 3 | 120 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225554370 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $750.00 | $1,650.21 | 8.862% | $583.34 | $583.34 | 8.625% | No | No | Employed | Employed | US Citizen | US Citizen | $11,023.91 | 1 | [Redacted] | $3,666.24 | [Redacted] | $305.52 | 42.616% | 42.616% | 42.616% | [Redacted] | 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]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 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 | [Redacted] | $750.00 | 6.430% | $0.00 | 1.0 | None | No | No | 8.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $317,405.00 | 2.990% | 06/23/2021 | $284,332.44 | $1,336.48 | 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 | $0.00 | $3,770.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225559894 | [Redacted] | [Redacted] | N/A | No | No | $1,101.52 | $1,101.52 | 9.500% | No | No | US Citizen | 3 | [Redacted] | $3,211.32 | [Redacted] | $267.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $90,950.00 | 4.250% | 05/01/2024 | $81,846.27 | $369.26 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225559895 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,250.00 | $2,783.88 | 6.953% | $596.46 | $596.46 | 6.500% | No | No | Non-Employment Income | US Citizen | $11,242.35 | 1 | [Redacted] | $4,024.68 | [Redacted] | $335.39 | 43.372% | 43.372% | 43.372% | [Redacted] | 789 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,250.00 | 5.950% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | Not Stated | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | 1 | $307,000.00 | 2.250% | 07/07/2021 | $218,816.74 | $2,011.11 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 535.84 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225559896 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,441.92 | 7.463% | $1,050.76 | $1,050.76 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,245.51 | 1 | [Redacted] | $4,350.00 | [Redacted] | $362.50 | 38.719% | 38.719% | 38.719% | [Redacted] | 772 | No | 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 - Pension]; Award Letter / Continuance Letter - 2025 [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 - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.730% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $102,000.00 | 2.375% | 09/18/2020 | $66,950.19 | $674.14 | 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 | $3,564.60 | $0.00 | No | No | No | No | 1 | 180 | AE | 04/07/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225561924 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,034.00 | $1,775.05 | 7.272% | $808.46 | $808.46 | 7.125% | No | No | Employed | US Citizen | $5,152.95 | 1 | [Redacted] | $1,701.96 | [Redacted] | $141.83 | 43.177% | 43.177% | 43.177% | [Redacted] | 758 | 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 - | Primary Income - Wages]; W-2 Transcript - 2023 |
[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 | [Redacted] | $2,034.00 | 6.370% | $0.00 | None | N/A | No | 7.125% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $150,400.00 | 2.250% | 05/28/2021 | $107,353.56 | $985.25 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225562780 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,090.00 | $0.00 | 7.496% | $727.18 | $727.18 | 7.500% | No | No | Non-Employment Income | US Citizen | $4,134.28 | 1 | [Redacted] | $2,341.20 | [Redacted] | $195.10 | 33.716% | 33.716% | 33.716% | [Redacted] | 823 | No | No | [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.430% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $116,000.00 | 3.109% | 08/17/2021 | $103,948.99 | $495.91 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225562906 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,865.00 | $2,539.50 | 7.203% | $767.81 | $767.81 | 6.875% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $10,166.87 | 1 | [Redacted] | $1,185.96 | [Redacted] | $98.83 | 29.642% | 29.642% | 29.642% | [Redacted] | 753 | 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 - | Non-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]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,865.00 | 5.750% | $0.00 | None | N/A | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $386,825.00 | 1.875% | 12/30/2020 | $252,754.80 | $2,467.05 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.92 | No | $2,374.10 | $0.00 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225567897 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,570.00 | $5,033.45 | 9.054% | $1,011.13 | $1,011.13 | 8.625% | No | No | Self-Employed | US Citizen | $6,674.81 | 1 | [Redacted] | $1,494.00 | [Redacted] | $124.50 | 30.047% | 30.047% | 30.047% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,570.00 | 6.370% | $0.00 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $200,000.00 | 3.500% | 04/24/2020 | $171,453.36 | $898.09 | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225568324 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $3,684.25 | $6,072.71 | 8.647% | $3,360.15 | $3,360.15 | 8.500% | No | No | Not Employed | Self-Employed | US Citizen | $35,243.76 | 1 | [Redacted] | $2,898.96 | [Redacted] | $241.58 | 49.663% | 49.663% | 49.663% | [Redacted] | 747 | No | Yes | 24 | Business | 100.000% | 99.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,684.25 | 6.370% | $0.00 | 3.9 | None | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $667,500.00 | 3.625% | 12/17/2020 | $600,005.55 | $3,044.14 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.23 | No | No | $70,016.18 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225568326 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $5,095.00 | $6,403.68 | 8.008% | $3,625.35 | $3,625.35 | 7.875% | No | No | Self-Employed | US Citizen | $123,337.73 | 1 | [Redacted] | $1,906.20 | [Redacted] | $158.85 | 23.528% | 23.528% | 23.528% | [Redacted] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,095.00 | 6.300% | $0.00 | 4.9 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $1,240,000.00 | 3.375% | 06/04/2021 | $1,119,215.79 | $5,481.99 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.46 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225568633 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,925.00 | $5,990.31 | 8.305% | $2,532.71 | $2,532.71 | 8.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $60,367.10 | 1 | [Redacted] | $1,788.96 | [Redacted] | $149.08 | 37.992% | 37.992% | 37.992% | [Redacted] | 750 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - C-Corp]; Account Statements - Business - 2026 [Borrower - | Primary Income - C-Corp]; Paystubs - 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]; P&L Statement - 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 - | Primary Income - C-Corp]; Other - 2001 [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 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Other - 2026 [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]; 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]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 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]; 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 | [Redacted] | $2,925.00 | 5.950% | $0.00 | 1.0 | None | Yes | No | 8.125% | 3 | 3 | 3 | 0 | 3 | 3 | 12.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $385,000.00 | 2.990% | 06/22/2021 | $332,726.00 | $1,621.10 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.92 | No | No | $0.00 | $13,189.08 | No | No | No | No | 5 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225568910 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,790.00 | $4,010.85 | 8.051% | $1,852.55 | $1,852.55 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $38,902.87 | 1 | [Redacted] | $3,510.96 | [Redacted] | $292.58 | 35.619% | 35.619% | 35.619% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.430% | $0.00 | 3.7 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $1,191,000.00 | 6.375% | 12/23/2025 | $1,187,673.09 | $7,430.29 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569088 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,145.31 | 7.935% | $424.68 | $424.68 | 7.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $3,339.23 | 1 | [Redacted] | $2,304.96 | [Redacted] | $192.08 | 49.221% | 49.221% | 49.221% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 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 - 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]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 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 | [Redacted] | $1,490.00 | 6.370% | $0.00 | None | N/A | No | 7.625% | 2 | 0 | 2 | 0 | 2 | 2 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $360,000.00 | 6.625% | 08/08/2024 | $354,355.00 | $2,305.71 | 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 | $2,402.09 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569089 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,583.81 | $3,975.18 | 9.732% | $671.51 | $671.51 | 9.250% | No | No | Self-Employed | US Citizen | $22,732.13 | 1 | [Redacted] | $3,132.00 | [Redacted] | $261.00 | 35.258% | 35.258% | 35.258% | [Redacted] | 697 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,583.81 | 6.430% | $0.00 | 3.1 | None | Yes | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $765,000.00 | 4.875% | 07/29/2022 | $722,018.00 | $4,303.37 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569544 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,430.42 | $3,205.78 | 9.178% | $661.16 | $661.16 | 8.750% | No | No | Employed | US Citizen | $136,029.60 | 1 | [Redacted] | $2,126.04 | [Redacted] | $177.17 | 13.700% | 13.700% | 13.700% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,430.42 | 6.430% | $0.00 | None | N/A | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $225,000.00 | 5.875% | 06/15/2022 | $214,332.00 | $2,148.83 | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.98 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225572142 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,095.00 | $3,023.84 | 8.725% | $847.73 | $847.73 | 8.500% | No | No | Self-Employed | US Citizen | $7,696.07 | 1 | [Redacted] | $1,307.04 | [Redacted] | $108.92 | 49.703% | 49.703% | 49.703% | [Redacted] | 746 | No | No | Borrower Prepared | [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%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 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) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,095.00 | 6.370% | $0.00 | 5.0 | None | Yes | No | 8.500% | 0 | 1 | 0 | 3 | 1 | 15.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | 1 | $556,700.00 | 7.250% | 07/03/2025 | $514,500.00 | $3,379.90 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225572974 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $5,163.00 | $5,650.21 | 11.030% | $986.89 | $986.89 | 10.375% | No | No | Self-Employed | US Citizen | $18,851.39 | 1 | [Redacted] | $5,910.00 | [Redacted] | $492.50 | 35.841% | 35.841% | 35.841% | [Redacted] | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 2 | 0 | 0 | [Redacted] | $5,163.00 | 6.120% | $0.00 | None | No | No | 10.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Trustee | 1 | $201,465.00 | 2.250% | 02/01/2021 | $177,774.95 | $770.09 | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225573116 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,967.12 | $4,785.90 | 7.796% | $1,211.39 | $1,211.39 | 6.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,057.76 | 1 | [Redacted] | $2,997.12 | [Redacted] | $249.76 | 30.156% | 30.156% | 30.156% | [Redacted] | 711 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 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 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 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 | [Redacted] | $3,967.12 | 6.020% | $0.00 | 2.6 | None | No | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 20 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $230,400.00 | 5.375% | 05/15/2018 | $198,004.00 | $1,290.17 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.55 | No | $0.00 | $7,792.00 | No | No | No | No | 1 | 120 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579056 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,507.50 | $6,240.50 | 7.965% | $3,241.06 | $3,241.06 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $98,241.78 | 1 | [Redacted] | $3,052.44 | [Redacted] | $254.37 | 17.760% | 17.760% | 17.760% | [Redacted] | 792 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - 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%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 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%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Account Transcripts - 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]; Account Transcripts - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,507.50 | 6.260% | $0.00 | 2.6 | None | No | No | 7.875% | 2 | 0 | 2 | 0 | 3 | 2 | 13.90 | No | Not Stated | [Redacted] | [Redacted] | 26.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $766,548.00 | 6.375% | 06/01/2024 | $751,608.53 | $4,782.26 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 3.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579690 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,357.50 | $10,380.24 | 7.365% | $2,863.30 | $2,863.30 | 7.125% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,370.17 | 1 | [Redacted] | $2,726.04 | [Redacted] | $227.17 | 48.893% | 48.893% | 48.893% | [Redacted] | 733 | No | 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 - Pension]; Other - 2026 [Borrower - | Non-Primary Income - Pension]; Other - 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]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [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 | [Redacted] | $5,357.50 | 6.060% | $0.00 | 2.1 | None | No | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $683,000.00 | 2.875% | 07/15/2020 | $598,892.64 | $2,833.72 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.93 | No | $0.00 | $7,213.98 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579691 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,360.00 | $2,944.00 | 9.333% | $675.88 | $675.88 | 9.000% | No | No | Employed | US Citizen | $5,715.57 | 1 | [Redacted] | $1,244.40 | [Redacted] | $103.70 | 35.066% | 35.066% | 35.066% | [Redacted] | 745 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; VVOE - 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 - Rations]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Non-Primary Income - Rations]; W-2 - 2025 [Borrower - | Non-Primary Income - Rations]; W-2 - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Non-Primary Income - Housing Allowance]; W-2 - 2025 [Borrower - | Non-Primary Income - Housing Allowance]; 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 | [Redacted] | $2,360.00 | 6.430% | $0.00 | 1.0 | None | No | No | 9.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $295,473.00 | 2.990% | 06/24/2021 | $264,772.00 | $1,244.13 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586260 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $4,106.25 | $5,494.55 | 8.265% | $752.23 | $752.23 | 7.750% | No | No | Employed | US Citizen | $6,317.31 | 1 | [Redacted] | $1,998.96 | [Redacted] | $166.58 | 45.836% | 45.836% | 45.836% | [Redacted] | 682 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [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 | [Redacted] | $4,106.25 | 6.430% | $0.00 | 1.0 | None | Yes | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $428,601.00 | 2.625% | 04/30/2021 | $379,018.61 | $1,721.48 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586263 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,325.47 | $4,806.79 | 8.155% | $787.35 | $787.35 | 7.750% | No | No | Employed | US Citizen | $7,083.28 | 1 | [Redacted] | $1,440.00 | [Redacted] | $120.00 | 36.022% | 36.022% | 36.022% | [Redacted] | 693 | 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 - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[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 | [Redacted] | $3,325.47 | 6.300% | $0.00 | None | No | No | 7.750% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $143,000.00 | 4.375% | 03/09/2022 | $127,070.22 | $713.98 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225589186 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,575.88 | $5,061.44 | 8.177% | $1,073.10 | $1,073.10 | 7.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,465.21 | 1 | [Redacted] | $1,641.96 | [Redacted] | $136.83 | 41.427% | 41.427% | 41.427% | [Redacted] | 678 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2003 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,575.88 | 6.370% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 1 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $461,900.00 | 2.750% | 08/17/2021 | $413,474.47 | $1,885.67 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.78 | No | $2,184.90 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602441 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,530.50 | $2,880.55 | 8.656% | $640.99 | $640.99 | 7.500% | No | No | Non-Employment Income | US Citizen | $4,775.19 | 1 | [Redacted] | $1,329.96 | [Redacted] | $110.83 | 44.074% | 44.074% | 44.074% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,530.50 | 5.650% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $301,000.00 | 3.990% | 08/02/2021 | $274,827.69 | $1,435.29 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 120 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225604156 | [Redacted] | [Redacted] | N/A | No | No | $2,421.66 | $2,421.66 | 9.500% | No | No | US Citizen | 1 | [Redacted] | $1,899.12 | [Redacted] | $158.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | [Redacted] | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Individual | 1 | $1,952,000.00 | 6.500% | 03/02/2026 | $1,952,000.00 | $10,573.33 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624183 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $7,152.10 | $9,340.28 | 10.218% | $2,412.75 | $2,412.75 | 9.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,186.25 | 2 | [Redacted] | $1,419.96 | [Redacted] | $118.33 | 47.302% | 47.302% | 47.302% | [Redacted] | 704 | No | Yes | 36 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 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 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,152.10 | 6.260% | $0.00 | None | No | No | 9.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $277,000.00 | 3.250% | 01/28/2022 | $254,659.63 | $1,205.52 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | No | No | $8,715.88 | $0.00 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639464 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $3,056.99 | 9.470% | $2,145.91 | $2,145.91 | 9.375% | No | No | Self-Employed | US Citizen | $13,563.38 | 1 | [Redacted] | $2,124.00 | [Redacted] | $177.00 | 38.191% | 38.191% | 38.191% | [Redacted] | 722 | No | Yes | 24 | Personal, Business | 59.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-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]; 1099 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.370% | $0.00 | 999.0 | None | No | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | 1 | $317,000.00 | 2.750% | 06/02/2021 | $282,477.08 | $1,294.12 | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.35 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639465 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $2,437.38 | 7.593% | $912.86 | $912.86 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $32,623.39 | 1 | [Redacted] | $1,478.16 | [Redacted] | $123.18 | 18.225% | 18.225% | 18.225% | [Redacted] | 735 | 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 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 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 [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 |
[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 | [Redacted] | $1,595.00 | 5.790% | $0.00 | None | N/A | No | 7.250% | 3 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 20 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $453,100.00 | 4.125% | 12/15/2017 | $377,963.12 | $2,195.95 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.07 | No | $0.00 | $21,735.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646775 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $2,708.84 | 8.895% | $1,316.80 | $1,316.80 | 8.750% | No | No | Self-Employed | US Citizen | $17,416.30 | 1 | [Redacted] | $2,409.96 | [Redacted] | $200.83 | 33.468% | 33.468% | 33.468% | [Redacted] | 642 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,795.00 | 6.370% | $0.00 | 2.6 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $346,000.00 | 3.375% | 07/21/2021 | $311,015.17 | $1,529.65 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225658334 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,338.00 | $1,872.90 | 7.698% | $452.92 | $452.92 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,982.44 | 1 | [Redacted] | $1,344.00 | [Redacted] | $112.00 | 44.814% | 44.814% | 44.814% | [Redacted] | 730 | 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]; 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) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,338.00 | 5.790% | $0.00 | 2.0 | None | Yes | No | 7.125% | 2 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $220,000.00 | 11/01/2021 | $168,881.00 | $1,662.67 | 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 | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225663211 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $2,165.04 | 7.668% | $1,575.92 | $1,575.92 | 7.500% | No | No | Employed | US Citizen | $12,418.46 | 1 | [Redacted] | $2,073.36 | [Redacted] | $172.78 | 33.874% | 33.874% | 33.874% | [Redacted] | 714 | 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 - | 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 | [Redacted] | $1,490.00 | 5.700% | $0.00 | None | N/A | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $472,000.00 | 2.875% | 10/26/2020 | $413,085.42 | $1,958.29 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | AE | 10/23/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669443 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,079.01 | $2,892.11 | 8.745% | $1,912.28 | $1,912.28 | 8.625% | No | No | Employed | US Citizen | $8,665.54 | 1 | [Redacted] | $1,841.04 | [Redacted] | $153.42 | 40.579% | 40.579% | 40.579% | [Redacted] | 678 | 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]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,079.01 | 5.950% | $0.00 | None | N/A | No | 8.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $485,000.00 | 2.990% | 03/03/2021 | $430,149.53 | $2,042.16 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 300 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670902 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,607.50 | $3,299.20 | 8.611% | $519.75 | $519.75 | 8.125% | No | No | Self-Employed | US Citizen | $4,160.03 | 1 | [Redacted] | $1,407.00 | [Redacted] | $117.25 | 43.634% | 43.634% | 43.634% | [Redacted] | 748 | No | Yes | 12 | Personal | 89.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2020 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Other - 2026 [Borrower - | Non-Primary Income - Child Support]; Other - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,607.50 | 6.260% | $0.00 | 4.1 | None | No | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $316,000.00 | 3.200% | 07/08/2021 | $281,391.48 | $1,366.86 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677367 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $2,320.37 | 8.099% | $1,600.34 | $1,600.34 | 8.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,803.39 | 1 | [Redacted] | $1,956.96 | [Redacted] | $163.08 | 43.478% | 43.478% | 43.478% | [Redacted] | 721 | 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 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 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $1,595.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 8.000% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $266,000.00 | 2.990% | 08/21/2020 | $218,511.42 | $1,260.02 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683412 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,895.00 | $4,508.18 | 8.675% | $1,216.12 | $1,216.12 | 8.375% | No | No | Employed | US Citizen | $5,146.66 | 1 | [Redacted] | $3,087.36 | [Redacted] | $257.28 | 48.110% | 48.110% | 48.110% | [Redacted] | 707 | 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]; 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 | [Redacted] | $2,895.00 | 6.260% | $0.00 | None | N/A | No | 8.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $410,000.00 | 5.125% | 05/04/2022 | $384,079.16 | $2,232.40 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684256 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,032.52 | 6.915% | $1,140.55 | $1,140.55 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,940.54 | 1 | [Redacted] | $5,618.88 | [Redacted] | $468.24 | 44.247% | 44.247% | 44.247% | [Redacted] | 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]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[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 | [Redacted] | $1,690.00 | 5.950% | $0.00 | None | N/A | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $676,000.00 | 3.125% | 08/10/2020 | $592,744.70 | $2,895.82 | 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 | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684344 | [Redacted] | [Redacted] | Exempt from ATR | No | No | $2,470.00 | $3,162.49 | 8.556% | $3,844.57 | $3,844.57 | 8.500% | No | No | Self-Employed | US Citizen | $34,666.48 | 1 | [Redacted] | $4,879.92 | [Redacted] | $406.66 | 43.357% | 43.357% | 43.357% | [Redacted] | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,470.00 | 6.260% | $0.00 | 3.8 | None | No | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | 1 | $910,000.00 | 7.250% | 11/01/2021 | $2,461,136.91 | $16,939.12 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.45 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225685965 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,577.91 | $1,875.48 | 7.793% | $470.80 | $470.80 | 7.375% | No | No | Employed | US Citizen | $5,678.99 | 1 | [Redacted] | $3,174.48 | [Redacted] | $264.54 | 44.740% | 44.740% | 44.740% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 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 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 | [Redacted] | $1,577.91 | 5.950% | $0.00 | None | N/A | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $313,600.00 | 3.375% | 08/03/2020 | $273,669.00 | $1,386.41 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689990 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,565.63 | $4,425.22 | 9.132% | $1,501.78 | $1,501.78 | 8.875% | No | No | Not Employed | Self-Employed | US Citizen | $57,525.22 | 3 | [Redacted] | $2,911.68 | [Redacted] | $242.64 | 33.927% | 33.927% | 33.927% | [Redacted] | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,565.63 | 6.420% | $0.00 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | 1 | $266,000.00 | 3.500% | 08/07/2020 | $236,591.15 | $1,194.46 | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.44 | No | No | $87,062.84 | $0.00 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225690461 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,380.00 | $4,184.04 | 8.745% | $1,376.36 | $1,376.36 | 8.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $30,891.47 | 1 | [Redacted] | $2,436.36 | [Redacted] | $203.03 | 44.383% | 44.383% | 44.383% | [Redacted] | 723 | No | Yes | 60 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 8.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 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]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,380.00 | 6.320% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 1 | $2,446,000.00 | 6.750% | 11/12/2025 | $2,446,000.00 | $13,758.75 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.4 | No | No | $27,771.55 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225694904 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,968.44 | $3,164.22 | 6.971% | $1,323.03 | $1,323.03 | 6.750% | No | No | Employed | US Citizen | $10,405.88 | 1 | [Redacted] | $1,959.96 | [Redacted] | $163.33 | 30.628% | 30.628% | 30.628% | [Redacted] | 752 | 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]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $2,968.44 | 6.030% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $218,000.00 | 2.875% | 02/11/2021 | $192,929.74 | $904.47 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225735153 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,690.00 | $2,370.00 | 8.661% | $989.39 | $989.39 | 8.375% | No | No | Employed | US Citizen | $14,038.82 | 1 | [Redacted] | $1,074.00 | [Redacted] | $89.50 | 43.346% | 43.346% | 43.346% | [Redacted] | 716 | 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 | [Redacted] | $1,690.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | 1 | $459,830.00 | 3.125% | 06/25/2021 | $414,223.17 | $1,969.80 | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X |