EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.10 - Schedule 4

 

ALT ID Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Subordinate Lien 2 Type Subordinate Lien 2 Max Draw Amount (HELOC) Subordinate Lien 3 Type Subordinate Lien 3 Max Draw Amount (HELOC) Is Shared Appreciation Mortgage ITIN Flag Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Maturity Date Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name Delayed Financing Flag Title Company Name Settlement Agent Company Neighborhood Location Gift Funds Gift Funds Percentage of Total Funds Required
2136839 XXXX   XXXX XXX - 18 Foreign National 30 Year Fixed XXX - 18 Foreign National 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide  XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0   0.000% Manual Underwriting Manual Underwriting No 7.420%   7.125% 7.125% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Yes XXXXX CA $X,XXX.XX XX/XX/XXXX Monthly 27.98% 27.98% 27.98% Yes               Self-Employed           Full Doc 0   NA   N/A 0     0 0     3 0 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX CA XXXXX XXXXX                             No                                       NA     0       0     0     0                         Unknown No             No No Foreign National Foreign National $X,XXX.XX Passport   CA Mexico XX/XX/XXXX XXXX XX/XX/XXXX Work Visa    XX/XX/XXXX                                                                               Fee Simple   No No Foreign Credit Report 508500.06 39.9 508500.06 39.9 No 75.0 Yes No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2136834 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed XXX -18 Investor DSCR 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.063 1.063   $X,XXX.XX $X,XXX.XX XXXXX XXXXX TN XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       758                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TN United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 117603.15 122.5 No 75.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2136836 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed XXX -18 Investor DSCR 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.15 1.15   $X,XXX.XX $X,XXX.XX XXXXX XXXXX TN XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       758                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TN United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 119856.43 120.9 No 59.63 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2136837 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed XXX -18 Investor DSCR 30 Year Fixed XXXXX No  NonQM Underwriting and Sales Guide  XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.473 1.441   $X,XXX.XX $X,XXX.XX XXXXX XXXXX TN XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       758                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TN United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 118379.28 124.5 No 57.95 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2136835 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed XXX -18 Investor DSCR 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.001 1.0   $X,XXX.XX $X,XXX.XX XXXXX XXXXX TN XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       758                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TN United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 110214.04 114.9 No 64.84 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2136849 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed XXX -18 Investor DSCR 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.375% 6.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A XXXXX FL $X,XXX.XX XX/XX/XXXX Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.503 1.503   $X,XXX.XX $X,XXX.XX XXXXX XXXXX FL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       783                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 265443.37 117.4 No 75.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2137559 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed I/O XXX -18 Investor DSCR 30 Year Fixed I/O XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.375% 6.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.294 1.293   $X,XXX.XX $X,XXX.XX XXXXX XXXXX OH XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       754                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   CA United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 103262.06 83.5 103262.06 83.5 No 75.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2136844 XXXX   XXXX XXX - 18 Prime 30 Year Fixed (Full Doc) XXX - 18 Prime 30 Year Fixed (Full Doc) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.100% Manual Underwriting Manual Underwriting No 6.681%   6.250% 6.250% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     48.25% 48.02% 48.02% No               Employed           2YR Full Doc 2   2+ Months   N/A 0     0 0     2 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 259 25 Other     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX CA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       705                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   CA United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No Yes N/A 36405.94 8.3 36405.94 8.3 No 75.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2136850 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed XXX -18 Investor DSCR 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.177 1.198   $X,XXX.XX $X,XXX.XX XXXXX XXXXX IN XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       767                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   IN United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 15603.71 17.0 15603.71 17.0 No 80.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2137568 XXXX   XXXX XXX 18 Investor DSCR 30 Yr Fixed IO XXX 18 Investor DSCR 30 Yr Fixed IO XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.033 1.033   $X,XXX.XX $X,XXX.XX XXXXX XXXXX NY XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       756                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX         $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   NY United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 60362.67 14.5 No 75.0 N/A No $X,XXX.XX Yes Borrower As Individual N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2136843 XXXX   XXXX XXX - 18 Prime 30 Year Fixed (Bank Statement) XXX - 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX v1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.100% Manual Underwriting Manual Underwriting No 7.165%   6.875% 6.875% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     42.64% 42.63% 42.63% No               Self-Employed           12 Month Bank Statement 2   Less than 1 Month   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 0 12 No       60.81% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX IL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       697                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   IL United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No Yes N/A 26157.36 5.9 27214.14 6.2 No 70.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2137569 XXXX   XXXX XXX 18 Investor DSCR - 30 Yr Fixed XXX 18 Investor DSCR - 30 Yr Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.500% 6.500% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Stocks/Bonds   0           0 No     0 0       0   Yes 1.046 1.045   $X,XXX.XX $X,XXX.XX XXXXX XXXXX VA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       786                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   VA United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 603360.88 286.7 603360.88 286.7 No 80.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2137567 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed I/O XXX -18 Investor DSCR 30 Year Fixed I/O XXXXX No  NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.375% 6.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.174 1.174   $X,XXX.XX $X,XXX.XX XXXXX XXXXX OH XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       805                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   HI United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 86668.75 78.0 86668.75 78.0 No 80.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2137558 XXXX   XXXX XXX - 18 Prime 30 Year Fixed (Bank Statement) XXX - 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide  XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.130% Manual Underwriting Manual Underwriting No 6.948%   6.875% 6.875% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     11.23% 11.23% 11.23% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 24 No       100.00% 90.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX CA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       750                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No Closed End - Fixed           No No Permanent Resident Alien Permanent Non-US Citizen $X,XXX.XX Real ID Driver's License   CA Israel XX/XX/XXXX     I-551 Permanent Resident Card    XX/XX/XXXX                                                                               Fee Simple   No Yes N/A 836731.18 32.9 836731.18 32.9 No 70.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2137563 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed XXX -18 Investor DSCR 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.375% 6.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.538 1.538   $X,XXX.XX $X,XXX.XX XXXXX XXXXX GA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       744                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   GA United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 129677.46 49.9 No 67.72 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2137560 XXXX   XXXX XXX -18 Investor DSCR 30 Year Fixed I/O XXX -18 Investor DSCR 30 Year Fixed I/O XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.250% 6.250% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A   OH $X,XXX.XX XX/XX/XXXX Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.149 1.148   $X,XXX.XX $X,XXX.XX XXXXX XXXXX OH XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       790                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   CA United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 67707.77 51.9 67707.77 51.9 No 75.0 N/A No $X,XXX.XX Yes Borrower As Individual N/A N/A N/A XX/XX/XXXX         No     XXXXX No  
2165600 XXXX   XXXX XXX 18 Prime Minus 30 Year Fixed (Grade A) XXX 18 Prime Minus 30 Year Fixed (Grade A) XXXXX No NonQM underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.300% Manual Underwriting Manual Underwriting No 8.768%   8.250% 8.250% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     10.10% 10.10% 10.10% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX FL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       643                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 9815.90 4.1 22363.19 9.4 No 75.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2182378 XXXX   XXXX Non-QM Accelerator DSCR 30 Yr Fixed XXXXX Yes Non-QM Guidelines XXXXX XX/XX/XXXX 1 XX/XX/XXXX ATR/QM: CDFI Lender Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% $X,XXX.XX Yes 18.000% $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.015 1.002   $X,XXX.XX $X,XXX.XX XXXXX XXXXX NJ XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       780                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   NJ United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 141636.79 28.8 141636.79 28.8 No 75.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2165607 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX v1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.300% Manual Underwriting Manual Underwriting No 6.762%   6.375% 6.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     19.84% 19.84% 19.84% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX CA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       784                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   CA United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 88497.40 35.0 88497.40 35.0 No 59.99 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX Yes 108.05
2165612 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.320% Manual Underwriting Manual Underwriting No 7.296%   7.000% 7.000% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A XXXXX TX $X,XXX.XX XX/XX/XXXX Annually 46.37% 46.37% 46.37% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       75.01% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX TX XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       710                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TX United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 88572.57 13.0 88572.57 13.0 No 74.87 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2165606 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.300% Manual Underwriting Manual Underwriting No 7.854%   7.500% 7.500% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     25.76% 25.76% 25.76% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX IN XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       740                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   IN United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 52465.07 11.5 52465.07 11.5 No 90.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2182379 XXXX   XXXX Non-QM Non-QM Guidelines XXXXX Yes Non-QM Guidelines XXXXX XX/XX/XXXX 1 XX/XX/XXXX ATR/QM: CDFI Lender Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.999% 6.999% $X,XXX.XX Yes 18.000% $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   Yes XXXXX OK $X,XXX.XX XX/XX/XXXX Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.449 1.36   $X,XXX.XX $X,XXX.XX XXXXX XXXXX OK XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       751                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   OK United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 .00 0.0 No 74.45 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2165609 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.260% Manual Underwriting Manual Underwriting No 7.847%   7.500% 7.500% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     34.18% 34.18% 34.18% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX FL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       749                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 45818.85 6.8 45818.85 6.8 No 90.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX Yes 91.93
2165602 XXXX   XXXX XXX 18 Foreign National 30 Year Fixed XXX 18 Foreign National 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide  XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0   0.000% Manual Underwriting Manual Underwriting No 7.442%   7.125% 7.125% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Yes XXXXX CA $X,XXX.XX XX/XX/XXXX Monthly 3.76% 3.76% 3.76% Yes               Self-Employed           2YR Full Doc 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 90.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX CA XXXXX XXXXX                             No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No Foreign National Foreign National $X,XXX.XX Passport   CA MEXICO XX/XX/XXXX XXXX XX/XX/XXXX I-551 Stamp and Passport   XX/XX/XXXX                                                                               Fee Simple   No No N/A 184186.61 29.1 184186.61 29.1 No 63.12 Yes No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2167198 XXXX   XXXX XXX 18 Foreign National 30 Year Fixed XXX 18 Foreign National 30 Year Fixed XXXXX No  NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX v1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0   0.000% Manual Underwriting Manual Underwriting No 7.470%   7.125% 7.125% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Yes XXXXX CA $X,XXX.XX XX/XX/XXXX Monthly 47.09% 47.09% 47.09% Yes               Self-Employed           2YR Full Doc 0   NA   N/A 0     0 0     3 0 NA   No No 0 No No N/A 0 0 No       0.00% 90.00%   Stocks/Bonds,Stocks/Bonds N/A 0 N/A       Yes 27 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX CA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       721                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No Foreign National Foreign National $X,XXX.XX Passport   N/A Mexico XX/XX/XXXX XXXX XX/XX/XXXX Work Visa    XX/XX/XXXX                                                                               Fee Simple   No No N/A 224707.86 32.0 224707.86 32.0 No 75.0 Yes No $X,XXX.XX No Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No 23.54
2167195 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide  XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.220% Manual Underwriting Manual Underwriting No 6.981%   6.375% 6.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A XXXXX FL $X,XXX.XX XX/XX/XXXX Monthly 23.19% 23.09% 23.09% No No             Self-Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No Yes Yes 0 12 Yes Yes 0 12 100.00% 50.00% 50.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX FL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX     703                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     N/A     Permanent Resident Alien Permanent Non-US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     I-551 Permanent Resident Card   XX/XX/XXXX                                                     Fee Simple   No Yes N/A 23650.63 6.8 23650.63 6.8 No 80.0 N/A No $X,XXX.XX No Borrower As Individual Borrower As Individual N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2167197 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.370% Manual Underwriting Manual Underwriting No 7.641%   7.375% 7.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     41.57% 41.57% 41.57% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX CA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       733                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   CA United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 34753.20 6.2 34753.20 6.2 No 84.23 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No   XXXXX XXXXX No  
2173095 XXXX   XXXX XXX 18 Prime Minus 30 Year Fixed (Grade A) XXX 18 Prime Minus 30 Year Fixed (Grade A) XXXXX No Non QM Underwriting & Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.370% Manual Underwriting Manual Underwriting No 8.420%   7.875% 7.875% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     48.45% 48.45% 48.45% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX OH XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       642                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   OH United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 73929.55 38.3 No 70.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2173110 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No Non QM Underwriting & Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.420% Manual Underwriting Manual Underwriting No 6.681%   6.375% 6.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Yes XXXXX FL $X,XXX.XX XX/XX/XXXX Monthly 35.46% 35.46% 35.46% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX FL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       816                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 21641.37 6.9 21641.37 6.9 No 70.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2173105 XXXX   XXXX XXX 18 Prime Minus 30 Year Fixed (Grade C) XXX 18 Prime Minus 30 Year Fixed (Grade C) XXXXX No NonQM Underwriter and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.320% Manual Underwriting Manual Underwriting No 7.761%   7.375% 7.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     37.06% 37.06% 37.06% No               Employed           2YR Full Doc 2   2+ Months   N/A 0     0 0     3 0 NA   No No 0 No No N/A 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX TN XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       704                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TN United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 37043.35 20.0 37043.35 20.0 No 69.6 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2175206 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.420% Manual Underwriting Manual Underwriting No 7.103%   6.750% 6.750% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A XXXXX FL $X,XXX.XX XX/XX/XXXX Monthly 49.84% 49.84% 49.84% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%   Stocks/Bonds,Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX FL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       778                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 98371.14 35.1 98371.14 35.1 No 60.77 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX Yes 100.00
2175209 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX v1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.600% Manual Underwriting Manual Underwriting No 8.633%   8.250% 8.250% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Yes XXXXX TX $X,XXX.XX XX/XX/XXXX Annually 46.55% 46.55% 46.55% No No             Not Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No Yes 0 0 Yes Yes 0 12 100.00%   85.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX TX XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX     666                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TX United States XX/XX/XXXX     N/A     US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TX United States XX/XX/XXXX     N/A                                                         Fee Simple   No No N/A 56734.34 13.3 56734.34 13.3 No 80.0 N/A No $X,XXX.XX No Borrower As Individual Borrower As Individual N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2177300 XXXX   XXXX XXX 18 Prime Minus 30 Year Fixed (Grade A) XXX 18 Prime Minus 30 Year Fixed (Grade A) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.260% Manual Underwriting Manual Underwriting No 8.632%   8.125% 8.125% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Yes XXXXX IL $X,XXX.XX XX/XX/XXXX Monthly 44.23% 44.23% 44.23% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 60.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX IL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       654                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No Permanent Resident Alien Permanent Non-US Citizen $X,XXX.XX Real ID Driver's License   IL United States XX/XX/XXXX     I-551 Stamp and Passport   XX/XX/XXXX                                                                               Fee Simple   No No N/A 31122.86 10.9 31122.86 10.9 No 80.0 Yes No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2177304 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.520% Manual Underwriting Manual Underwriting No 7.778%   7.250% 7.250% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     30.81% 30.81% 30.81% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       89.70% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX IL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       764                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   IL United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 52358.87 22.2 52358.87 22.2 No 80.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2177310 XXXX   XXXX XXX 4 Prime 30 Year Fixed ITIN XXX 4 Prime 30 Year Fixed ITIN XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.430% Manual Underwriting Manual Underwriting No 7.958%   7.625% 7.625% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     41.82% 41.82% 41.82% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX NJ XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       741                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No Non Permanent Resident Alien Non-Permanent Non-US Citizen $X,XXX.XX Real ID Driver's License   NJ United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A .00 0.0 12608.09 3.6 No 75.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2180000 XXXX   XXXX XXX 18 Investor DSCR 30 Year Fixed XXX 18 Investor DSCR 30 Year Fixed  XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.875% 7.875% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.388 1.388   $X,XXX.XX $X,XXX.XX XXXXX XXXXX CT XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       723                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Passport   N/A United States XX/XX/XXXX XXXX XX/XX/XXXX N/A                                                                                   Fee Simple   No No N/A 16482.47 6.9 16482.47 6.9 No 80.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No 66.67
2179999 XXXX   XXXX XXX 18 Investor DSCR 30 Year Fixed  XXX 18 Investor DSCR 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX v1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A     $X,XXX.XX     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.133 1.133   $X,XXX.XX $X,XXX.XX XXXXX XXXXX NY XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       791                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   NY United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 668260.92 137.7 668260.92 137.7 No 73.06 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2179995 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.600% Manual Underwriting Manual Underwriting No 7.233%   6.750% 6.750% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A XXXXX TX $X,XXX.XX XX/XX/XXXX Monthly 39.98% 39.59% 39.59% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX TX XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       763                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TX United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 22320.16 12.5 22320.16 12.5 No 45.74 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX Yes 86.67
2179991 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Bank Statement) XXX 18 Prime 30 Year Fixed (Bank Statement) XXXXX No NonQM Underwriting and Sales Guide  XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.430% Manual Underwriting Manual Underwriting No 6.941%   6.500% 6.500% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A XXXXX FL $X,XXX.XX XX/XX/XXXX Monthly 46.21% 45.29% 45.29% No No             Self-Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No Yes Yes 0 12 Yes Yes 0 12 100.00% 50.00% 50.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX FL XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX     749                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     N/A     US Citizen US Citizen $X,XXX.XX Real ID Driver's License   FL United States XX/XX/XXXX     N/A                                                         Fee Simple   No Yes N/A 242737.68 40.4 242737.68 40.4 No 65.0 N/A No $X,XXX.XX No Borrower As Individual Borrower As Individual N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX Yes 28.57
2179993 XXXX   XXXX XXX 18 Prime 30 Year Fixed (Full Doc) XXX 18 Prime 30 Year Fixed (Full Doc) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.420% Manual Underwriting Manual Underwriting No 7.249%   7.000% 7.000% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     38.07% 38.07% 38.07% No No             Self-Employed Not Employed         Full Doc 0 0 NA NA N/A 0 N/A 0 1 0 0 0 3 1 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 100.00%     Borrower Prepared 12 Borrower N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX ID XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX     709                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   ID United States XX/XX/XXXX     N/A     US Citizen US Citizen $X,XXX.XX Real ID Driver's License   ID United States XX/XX/XXXX     N/A                                                         Fee Simple   No No N/A .00 0.0 189246.81 74.5 No 80.0 N/A No $X,XXX.XX No Borrower As Individual Borrower As Individual N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2180004 XXXX   XXXX XXX 8 DSCR 30 Year Fixed XXX 8 DSCR 30 Year Fixed XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A 0   0.000% Manual Underwriting Manual Underwriting No 7.480%   7.375% 7.375% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   N/A XXXXX VA $X,XXX.XX XX/XX/XXXX Monthly 0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.003 1.003   $X,XXX.XX $X,XXX.XX XXXXX XXXXX VA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX     797                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   VA United States XX/XX/XXXX     N/A     US Citizen US Citizen $X,XXX.XX Real ID Driver's License   VA United States XX/XX/XXXX     N/A                                                         Fee Simple   No No N/A .00 0.0 312301.11 127.9 No 75.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2180005 XXXX   XXXX XXX 18 Foreign National 30 Year Fixed XXX 18 Foreign National 30 Year Fixed XXXXX No NonQM underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A 0   0.000% Manual Underwriting Manual Underwriting No 7.827%   7.750% 7.750% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A XXXXX TX $X,XXX.XX XX/XX/XXXX Annually 15.91% 15.91% 15.91% Yes               Self-Employed           2YR Full Doc 0   NA   N/A 0     0 0     0 0 NA   No No 0 No No N/A 0 0 No       0.00% 100.00%   Stocks/Bonds N/A 0 N/A       Yes 31 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX TX XXXXX XXXXX                             No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No Foreign National Foreign National $X,XXX.XX Passport   N/A United Kingdom XX/XX/XXXX XXXX XX/XX/XXXX I-551 Stamp and Passport   XX/XX/XXXX                                                                               Fee Simple   No   N/A 5074035.52 541.7 5074035.52 541.7 No 75.0 N/A No $X,XXX.XX Yes Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX   XXXXX No  
2182377 XXXX   XXXX DSCR Accelerator DSCR 30 Yr Fixed XXXXX Yes Non-QM Guidelines XXXXX XX/XX/XXXX 1 XX/XX/XXXX ATR/QM: CDFI Lender Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.250% 7.250% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX   Yes XXXXX TX $X,XXX.XX XX/XX/XXXX Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.001 1.001   $X,XXX.XX $X,XXX.XX XXXXX XXXXX TX XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       671                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   TX United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 3769.38 0.7 3769.38 0.7 No 75.0 N/A No $X,XXX.XX Yes Member on Behalf of Entity N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No  
2180002 XXXX   XXXX XXX 18 Prime Minus Investment 30 Year Fixed (Grade A) XXX 18 Prime Minus Investment 30 Year Fixed (Grade A) XXXXX No NonQM Underwriting and Sales Guide XXXXX XX/XX/XXXX V1 XX/XX/XXXX ATR/QM: Exempt No No No N/A N/A 0   0.000% Manual Underwriting Manual Underwriting No 7.481%   7.125% 7.125% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Yes XXXXX CA $X,XXX.XX XX/XX/XXXX Monthly 39.81% 40.60% 40.60% Yes               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX CA XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       757                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   CA United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No   N/A 542485.69 103.6 70025.69 13.4 No 51.3 Yes No $X,XXX.XX Yes Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX   XXXXX Yes 206.89
2179994 XXXX   XXXX XXX 18 Prime 5/6 ARM (Bank Statement) Foundation NonQM UW Guide XXXXX No NonQM Underwriting and Sales Guide  XXXXX XX/XX/XXXX V1 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 0 XX/XX/XXXX 6.210% Manual Underwriting Manual Underwriting No 7.243%   7.125% 7.125% $X,XXX.XX No   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX N/A     $X,XXX.XX     35.71% 35.73% 37.22% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 29 No   NA 0 0 N/A     0   No 0     $X,XXX.XX $X,XXX.XX XXXXX XXXXX UT XXXXX XXXXX XX/XX/XXXX XX/XX/XXXX       728                 No                                       NA     0       0     0     0   $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX $X,XXX.XX Unknown No             No No US Citizen US Citizen $X,XXX.XX Real ID Driver's License   UT United States XX/XX/XXXX     N/A                                                                                   Fee Simple   No No N/A 11844.87 3.4 11844.87 3.4 No 80.0 N/A No $X,XXX.XX No Borrower As Individual N/A N/A N/A XX/XX/XXXX         No XXXXX XXXXX XXXXX No