EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.11 - Schedule 5

 

Seller Loan ID Loan ID Investor Loan ID Lender Name Transaction ID ULI Borrower 1 First Name Borrower 1 Last Name Borrower 1 SSN Borrower 1 Birthdate Borrower 1 Gender Borrower 1 Ethnicity Borrower 1 Race Borrower 1 Citizen Borrower 1 Self-Employment Flag Borrower 1 FTHB Borrower 1 FICO Date Borrower 1 Origination FICO  Borrower 1 Origination Equifax Borrower 1 Origination Experian Borrower 1 Origination TransUnion Borrower 2 First Name Borrower 2 Last Name Borrower 2 SSN Borrower 2 Birthdate Borrower 2 Gender Borrower 2 Ethnicity Borrower 2 Race Borrower 2 Citizen Borrower 2 Self-Employment Flag Borrower 2 FTHB Borrower 2 FICO Date Borrower 2 Origination FICO  Borrower 2 Origination Equifax Borrower 2 Origination Experian Borrower 2 Origination TransUnion Borrower 3 First Name Borrower 3 Last Name Borrower 3 SSN Borrower 3 Birthdate Borrower 3 Gender Borrower 3 Ethnicity Borrower 3 Race Borrower 3 Citizen Borrower 3 Self-Employment Flag Borrower 3 FTHB Borrower 3 FICO Date Borrower 3 Origination FICO  Borrower 3 Origination Equifax Borrower 3 Origination Experian Borrower 3 Origination TransUnion Borrower 4 First Name Borrower 4 Last Name Borrower 4 SSN Borrower 4 Birthdate Borrower 4 Gender Borrower 4 Ethnicity Borrower 4 Race Borrower 4 Citizen Borrower 4 Self-Employment Flag Borrower 4 FTHB Borrower 4 FICO Date Borrower 4 Origination FICO  Borrower 4 Origination Equifax Borrower 4 Origination Experian Borrower 4 Origination TransUnion Subject Address Subject City Subject Sate Subject Zip Code Subject County Originator Doc Type Occupancy Loan Purpose Refinance Type Qualifying Front End DTI Qualifying DTI Borrower 1 Qualifying Income Borrower 2 Qualifying Income Borrower 3 Qualifying Income Borrower 4 Qualifying Income All Borrower Total Qualifying Income Borrower 1 Employment Status Borrower 2 Employment Status Borrower 3 Employment Status Borrower 4 Employment Status Borrower 1 Length of Employment Borrower 2 Length of Employment Borrower 3 Length of Employment Borrower 4 Length of Employment 4506-T Flag All Borrower Residual Income All Borrower Monthly Debt Escrow Flag Months Reserves Liquid Cash Reserves Original Note Loan Amount Original Qualifying Loan Amount Original Qualifying Base LTV Original Qualifying LTV Original Qualifying CLTV Application Date Note Date Cash Disbursement Date Mortgage Type Loan Product Loan Program Original Note Interest Rate Original Qualifying Interest Rate Original P&I Payment Original Qualifying P&I Payment Monthly Escrow Payment Original Total Housing Expense (PITIA) First Payment Date Amortization Type Original Amortization Term Original Term to Maturity Maturity Date ARM Gross Margin ARM Rounding Method ARM Rounding Factor ARM Lookback Days ARM Rate Index Type Origination ARM Rate Index Value ARM Initial Interest Rate Cap ARM Subsequent Interest Rate Cap ARM Initial Interest Rate Floor ARM Lifetime Interest Rate Floor ARM Initial Interest Rate Maximum ARM Lifetime Interest Rate Maximum ARM First Rate Reset Date ARM First Payment Reset Date ARM Subsequent Interest Rate Reset Frequency ARM Subsequent Payment Reset Frequency Interest Only Flag Original Interest Only Term Balloon Flag Buydown Flag Assumable Flag Prepayment Penalty Flag Prepayment Penalty Total Term Prepayment Penalty Type Origination Channel PMI Flag MI Certificate Number Mortgage Insurance Percent Mortgage Insurance Type Mortgage Insurance Company Name MERS MOM Flag MERS Loan ID Property Type Number of Units Year Built Primary Value Property Valuation Date Primary Value Property Valuation Type Primary Value Property Value Secondary Value Property Valuation Date Secondary Value Property Form Type Secondary Value Property Value Sales Price Qualifying Property Value Date of Prior Sale Days Since Prior Sale Total Adjusted Prior Purchase Price Flood Zone Flag Flood Zone Code Flood Policy Number Other Lien Amount Other Lien Position Originator QM Status Final QM Status Total Number of Borrowers Cash Out Amount Total Origination and Discount Points Number of Mortgaged Properties Credit Report: Max Trade Line Credit Report: Longest Trade Line Credit Report: Number of Trade Lines Credit Line Usage Ratio Borrower 1 Years in Home GSE Eligible Flag AUS Case Number AUS Recommendation QM Points and Fees Annual Percent Rate  (APR) Higher Priced Mortgage Loan (HPML) Flag Covered/High Cost Loan Flag Guideline Name UW Guideline Author Blanket Mortgage Flag
XXXX XXXX 2135970 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 743 743 782 740 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 766 772 729 766 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX IL XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     7302 Taxes and Insurance 22.66 28644.79 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.75 XXXX XXXX XXXX 167.96 1264.06 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 12 1% Retail No XXXX       No XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 2 3973.21 .00 11 37500 371 2 0.2519609316303531 0.23 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2140011 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 763 753 763 773 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX GA XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     8651.63 Taxes and Insurance 13.19 26208.12 XXXX XXXX 73.57 73.57 73.57 XXXX XXXX XXXX DSCR Fixed XXXX 7.375 XXXX XXXX XXXX 391.8 1987.26 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Retail No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 26208.12 3465.00 1 28563 179 4 0.8126490066225166 2 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2137738 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 750 758 700 750 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX SC XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00                     6201 Taxes and Insurance 15.6 26369.15 XXXX XXXX 67.83 67.83 67.83 XXXX XXXX XXXX DSCR Fixed XXXX 6.5 XXXX XXXX XXXX 530.07 2025.46 XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Condominium 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX Yes AE XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 6957.81 4 40000 176 3 0.198   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2137739 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 762 762 810 761 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 737 705 737 766 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 799 759 799 802 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 781 810 780 781 XXXX XXXX NJ XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00                     0 Taxes and Insurance 21.09 656064.74 XXXX XXXX 71.72 71.72 71.72 XXXX XXXX XXXX DSCR Fixed XXXX 6.5 XXXX XXXX XXXX 1374.31 6195.13 XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Two to Four Unit 2 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 4 0.0 52160.36 8 43494 327 5 0.21271079328122403 4.66 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2137742 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 772 0 772 776 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX MO XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00                     4886 Taxes and Insurance 126.29 102666.74 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.75 XXXX XXXX XXXX 203.63 836.01 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Retail No XXXX       No XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 7737.49 5 16343 350 3 0.03676190476190476   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2137744 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 772 772 737 776 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX MO XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00                     745 Taxes and Insurance 129.45 102666.74 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.75 XXXX XXXX XXXX 182.39 814.77 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Retail No XXXX       No XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 1950.00 5 16343 350 4 0.017086614173228345   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2137745 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 732 732 738 714 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NJ XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     6310 Taxes and Insurance 46.64 246333.88 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.625 XXXX XXXX XXXX 1425.15 5281.42 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Two to Four Unit 3 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 246333.88 14284.38 2 33932 260 10 0.26227336122733613   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2137746 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 793 782 801 793 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NY XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     40 Taxes and Insurance 37.76 219502.43 XXXX XXXX 38.65 38.65 38.65 XXXX XXXX XXXX DSCR Fixed XXXX 6.125 XXXX XXXX XXXX 2163.5 5812.98 XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 4227.4 19180.00 1 21500 93 2 0.05182012847965739   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2161461 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 765 796 765 759 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TN XXXX XXXX ALT DOC Primary Residence Purchase NA 44.61 51.41 6323.00 .00 .00 .00 6323.00 Employed       18.08       3 YRS 3072.31 3250.69 Taxes and Insurance 22.87 64507.28 XXXX XXXX 65.29 65.29 65.29 XXXX XXXX XXXX Conventional Fixed XXXX 6.5 XXXX XXXX XXXX 365.12 2820.69 XXXX Fixed 360 360 XXXX                                 No 0 No No No   0 No Prepayment Penalty Retail No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 0.0 1595.00 1 113000 209 10 0.06281086729362591 1.33 No XXXX Manual Underwriting 1595.0 6.609 No No XXXX XXXX No
XXXX XXXX 2151718 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 623 633 623 614 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX 24 Month Bank Statement Primary Residence Purchase NA 12.4 21.48 42229.25 .00 .00 .00 42229.25 Employed       5.33       3 YRS 33160.2 9069.05 Taxes and Insurance 8.28 43376.87 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 8.875 XXXX XXXX XXXX 1121.42 5238.3 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale No XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 0.0 .00 1 40965 112 8 0 2.25 No XXXX Manual Underwriting 13970.0 9.261 Yes No XXXX XXXX No
XXXX XXXX 2151776 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permanent Non-US Citizen   false XXXX 760 771 760 759 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX IN XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         1.85           1559 Taxes and Insurance 89.29 73946.87 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.875 XXXX XXXX XXXX 212.34 828.21 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Two to Four Unit 4 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 5858.56 .00 2 30000 167 14 0.17625072212593876 5.83 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2161458 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 786   794 786 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NH XXXX XXXX Asset Depletion – Debt Ratio Calculation Primary Residence Refinance Rate and Term 22.3 22.5 15080.44 .00 .00 .00 15080.44 Not Employed               3 YRS 11686.71 3393.73 Taxes and Insurance 434.22 1460157.36 XXXX XXXX 61.05 61.05 61.05 XXXX XXXX XXXX Conventional Fixed XXXX 6.875 XXXX XXXX XXXX 679.0 3362.73 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail No XXXX       Yes XXXX Condominium 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 0.0 1595.00 1 28600 422 3 0.012634032634032634 0.25 No XXXX Manual Underwriting 1595.0 6.964 No No XXXX XXXX No
XXXX XXXX 2167076 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 737 763 737 710 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NJ XXXX XXXX ALT DOC Primary Residence Purchase NA 26.56 34.55 15760.54 .00 .00 .00 15760.54 Employed       8       2 YRS 10315.05 5445.49 Taxes and Insurance 50.49 361331.67 XXXX XXXX 78.2 78.2 78.2 XXXX XXXX XXXX Conventional Fixed XXXX 6.875 XXXX XXXX XXXX 769.46 4185.49 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 0.0 1425.00 1 11109 146 15 0.24392638036809816 4 No XXXX Manual Underwriting 15725.0 7.225 No No XXXX XXXX No
XXXX XXXX 2167075 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 768 772 768 749 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 737 737 768 727 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX CA XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 2.48 14.05 .00 144817.44 .00 .00 144817.44 Not Employed Employed       6.25     2 YRS 124468.93 20348.51 Taxes and Insurance 196.02 704258.22 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 6.5 XXXX XXXX XXXX 745.89 3592.72 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 2 0.0 10049.00 2 26641 285 6 0.29534965034965033 13 No XXXX Manual Underwriting 10049.0 6.810 No No XXXX XXXX No
XXXX XXXX 2167083 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 741 756 736 741 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 24.75 33.02 11025.00 .00 .00 .00 11025.00 Employed       16.17       Yes 7384.03 3640.97 Taxes and Insurance 6.54 17844.79 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX 8.375 XXXX XXXX XXXX 575.6 2728.97 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail   XXXX       Yes XXXX Townhouse 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 0.0 2368.75 1 2561 373 4 0.5729787234042554 0.58 No XXXX Manual Underwriting 2368.75 8.571 Yes No XXXX XXXX No
XXXX XXXX 2163771 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 780 790 770 780 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Cash Out - Other 13.86 13.98 101498.00 .00 .00 .00 101498.00 Employed       3.08       3 YRS 87312.33 14185.67 No Escrow 87.95 1236933.6 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 7.125 XXXX XXXX XXXX 0 14063.67 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 451209.81 1425.00 1 100000 257 3 0.017747494989979958 2.33 No XXXX Manual Underwriting 30225.0 7.183 No No XXXX XXXX No
XXXX XXXX 2163767 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 681 672 681 692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No false XXXX 717 716 717 728 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX LA XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Rate and Term 25.46 48.81 9684.33 .00 .00 .00 9684.33 Employed Not Employed     4.17       3 YRS 4956.99 4727.34 Taxes and Insurance 4.15 10229.1 XXXX XXXX 57.69 57.69 57.69 XXXX XXXX XXXX Conventional Fixed XXXX 6.875 XXXX XXXX XXXX 494.55 2465.34 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 2 953.04 2373.00 1 23802 329 5 0.9563333333333334 2 No XXXX Manual Underwriting 10623.0 7.004 No No XXXX XXXX No
XXXX XXXX 2163760 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 810 810 822 808 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX CA XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 38.76 39.88 16884.20 .00 .00 .00 16884.20 Employed       9.08       2 YRS 10150.02 6734.18 Taxes and Insurance 40.01 261814.64 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 6.625 XXXX XXXX XXXX 1447.57 6544.45 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail   XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 0.0 3965.00 1 41695.2 174 5 0.00038095238095238096 10 No XXXX Manual Underwriting 0 6.759 No No XXXX XXXX No
XXXX XXXX 2163770 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 708 737 708 699 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Cash Out - Other 9.35 14.87 87763.66 .00 .00 .00 87763.66 Employed       8.5       NA 74709.37 13054.29 No Escrow 13.14 107818.88 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 7.375 XXXX XXXX XXXX 0 8204.29 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 107818.88 4422.73 2 81861 247 16 0.37488653555219364 5 No XXXX Manual Underwriting 19422.73 7.485 No No XXXX XXXX No
XXXX XXXX 2163757 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 754 754 761 717 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 713 715   713 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX AL XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Rate and Term 27.65 41.44 3597.55 6385.00 .00 .00 9982.55 Employed Employed     4.67 9.75     3 YRS 5845.61 4136.94 Taxes and Insurance 3.64 10052.29 XXXX XXXX 65.83 65.83 65.83 XXXX XXXX XXXX Conventional Fixed XXXX 6.875 XXXX XXXX XXXX 355.58 2759.94 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 2 737.15 3284.28 1 27080 140 2 0 5.17 No XXXX Manual Underwriting 10604.28 7.008 No No XXXX XXXX No
XXXX XXXX 2167077 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 802 802 820 793 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX MA XXXX XXXX Asset Utilization (DTI) Primary Residence Refinance Cash Out - Other 40.31 42.25 15185.27 .00 .00 .00 15185.27 Employed       1.58       2 YRS 8770.25 6415.02 No Escrow 117.99 722241.87 XXXX XXXX 69.34 69.34 69.34 XXXX XXXX XXXX Conventional Fixed XXXX 7.125 XXXX XXXX XXXX 0 6121.02 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail   XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Loan Collateral Advisor (LCA) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 722241.87 4856.00 1 35500 295 2 0.03431914893617021 1.5 No XXXX Manual Underwriting 0 7.250 No No XXXX XXXX No
XXXX XXXX 2167073 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 743 777 705 743 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Cash Out - Other 26.43 31.59 40132.56 .00 .00 .00 40132.56 Employed       16.17       3 YRS 27454.18 12678.38 No Escrow 15.33 162620.79 XXXX XXXX 73.21 73.21 73.21 XXXX XXXX XXXX Conventional Fixed XXXX 7 XXXX XXXX XXXX 0 10605.38 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail   XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 180402.27 1440.00 1 65527 316 6 0.0005078809106830122 5.5 No XXXX Manual Underwriting 1440.0 7.047 No No XXXX XXXX No
XXXX XXXX 2167081 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 702 755 673 702 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Cash Out - Other 6.4 27.76 55924.31 .00 .00 .00 55924.31 Employed       7.83       NA 40400.57 15523.74 Taxes and Insurance 31.98 114441.99 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 7.625 XXXX XXXX XXXX 1030.96 3579.02 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No B XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 23259.88 2353.80 1 111984 189 22 0.655184442959994 8 No XXXX Manual Underwriting 0 7.771 Yes No XXXX XXXX No
XXXX XXXX 2165554 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 699 699 690 718 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 746 712 761 746 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX CA XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 10.11 29.85 23314.50 23314.50 .00 .00 46629.00 Employed Employed     10.08 10.08     NA 32711.46 13917.54 Taxes and Insurance 10.97 51735.52 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX 7.5 XXXX XXXX XXXX 813.93 4715.54 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 2 0.0 14149.98 2 59689 199 15 0.14833700236055486 3.08 No XXXX Manual Underwriting 14149.98 7.818 No No XXXX XXXX No
XXXX XXXX 2163942 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 798 802 798 788 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX IL XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         2.75           10815 Taxes and Insurance 76.53 113045.64 XXXX XXXX 70.0 70.0 70.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.75 XXXX XXXX XXXX 330.88 1477.11 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Condominium 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 113045.64 5760.00 1 56943 292 4 0.06980821917808219 2 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2172266 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 777 775 777 784 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 796 796 805 783 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX DE XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 28.6 40.22 9567.50 9567.50 .00 .00 19135.00 Employed Employed     21.5 21.5     2 YRS 11438.59 7696.41 Taxes and Insurance 13.08 71598.66 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 6.375 XXXX XXXX XXXX 342.25 5473.41 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX Condominium 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 2 0.0 1680.07 2 113619 257 1 0 0.33 No XXXX Manual Underwriting 6832.0 6.487 No No XXXX XXXX No
XXXX XXXX 2163943 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 756 785 756 702 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX MD XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         13.75           15889 Taxes and Insurance 104.41 94071.19 XXXX XXXX 70.0 70.0 70.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.625 XXXX XXXX XXXX 182.61 901.02 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 36 5%, 4%, 3% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 94071.19 1522.50 3 27972 168 5 0.20681159420289855 6.75 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2167085 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 779 782 779 765 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No false XXXX 791 794 791 765 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX PA XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Cash Out - Other 15.45 29.84 5845.64 9583.34 .00 .00 15428.98 Employed Employed     9 4.5     2 YRS 10824.62 4604.36 Taxes and Insurance 97.4 232139.12 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 7.125 XXXX XXXX XXXX 491.56 2383.36 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 2 232139.12 4233.00 1 31000 250 8 0.11788011695906432 17.5 No XXXX Manual Underwriting 0 7.302 No No XXXX XXXX No
XXXX XXXX 2165553 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foreign National Yes   XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX FL XXXX XXXX Full Doc Second Home Refinance Cash Out - Other 0 21.13 17369.41 .00 .00 .00 17369.41 Employed       21.5       NA 13699.71 3669.7 Taxes and Insurance 77.45 284229.54 XXXX XXXX 53.0 53.0 53.0 XXXX XXXX XXXX Conventional Fixed XXXX 7.5 XXXX XXXX XXXX 496.78 3669.7 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale   XXXX       Yes XXXX Condominium 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX Yes AE XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 220245.71 7056.25 1 0 0 0 0 10 No XXXX Manual Underwriting 7056.25 7.927 No No XXXX XXXX No
XXXX XXXX 2167071 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 633 633 601 645 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Cash Out - Other 0.97 4.79 257764.34 .00 .00 .00 257764.34 Employed       6.92       2 YRS 245418.42 12345.92 Taxes and Insurance 79.23 198542.87 XXXX XXXX 40.2 40.2 40.2 XXXX XXXX XXXX Conventional Fixed XXXX 8.875 XXXX XXXX XXXX 864.61 2505.82 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale No XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 182563.68 5544.93 3 142790 236 11 0.27898527004909984 5 No XXXX Manual Underwriting 5544.93 9.215 Yes No XXXX XXXX No
XXXX XXXX 2175529 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 667 665 667 668 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX FL XXXX XXXX 12 Month Bank Statement Investment Refinance Cash Out - Other 18.89 26.19 3460.81 .00 .00 .00 3460.81 Employed       28.08       2 YRS 2554.34 906.47 No Escrow 55.48 103061.68 XXXX XXXX 32.26 32.26 32.26 XXXX XXXX XXXX Conventional Fixed XXXX 8.375 XXXX XXXX XXXX 0 1920.71 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 61912.69 4260.00 1 39000 445 6 0.0646 2.83 No XXXX Manual Underwriting 0 8.672 No No XXXX XXXX No
XXXX XXXX 2169578 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 732 740 732 713 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 38.04 43.22 15172.68 .00 .00 .00 15172.68 Employed       9.08       NA 8614.59 6558.09 Taxes and Insurance 7.96 103248.35 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX 7.5 XXXX XXXX XXXX 1779.64 5770.98 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale No XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 0.0 16358.26 2 21425 187 10 0.625067199139851 10.33 No XXXX Manual Underwriting 16358.26 7.870 Yes No XXXX XXXX No
XXXX XXXX 2168020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 760 761 750 760 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX ID XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 25.83 26.95 10756.63 .00 .00 .00 10756.63 Employed       2.75       NA 7857.84 2898.79 Taxes and Insurance 11.81 32816.95 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX Conventional Fixed XXXX 6.5 XXXX XXXX XXXX 255.57 2778.79 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 0.0 15335.46 1 13500 55 4 0.053876967095851214 8.25 No XXXX Manual Underwriting 15335.46 6.960 No No XXXX XXXX No
XXXX XXXX 2177181 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permanent Non-US Citizen No   XXXX 747 739 774 747 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OH XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00         6.17           986 Taxes and Insurance 15.23 23655.62 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.25 XXXX XXXX XXXX 401.75 1552.92 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 36 1%, 1%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 1995.00 1 35588 135 1 0 4 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2177180 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 738 757 718 738 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NY XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00         0.58           1100 Taxes and Insurance 56.3 95517.88 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.875 XXXX XXXX XXXX 766.56 1696.45 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Two to Four Unit 2 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 2990.00 2 7347 6 3 0.7238   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2175531 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 674 674 673 682 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     2039 No Escrow 42.65 73574.63 XXXX XXXX 73.11 73.11 73.11 XXXX XXXX XXXX DSCR Fixed XXXX 7.75 XXXX XXXX XXXX 0 1724.89 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 36 5%, 5%, 5% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 798.73 4219.86 1 35311 143 10 0.21824304538799413 13 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2177183 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 798 783 798 808 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX PA XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     3973 Taxes and Insurance 85.77 101221.12 XXXX XXXX 56.35 56.35 56.35 XXXX XXXX XXXX DSCR Fixed XXXX 6.125 XXXX XXXX XXXX 330.95 1180.09 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale   XXXX       Yes XXXX Two to Four Unit 2 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 129416.63   1 40104 249 10 0.0015542388331814037   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179067 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 718 718 774 708 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX MI XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         15.83           4639 Taxes and Insurance 91.52 103374.66 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7 XXXX XXXX XXXX 386.04 1129.52 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 36 1%, 1%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 103374.66   10 46720 288 5 0.20548694700640927 20 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2177184 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen     XXXX 669 624 698 669 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 679 668 722 679 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX AL XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     1375 Taxes and Insurance 100.1 83736.26 XXXX XXXX 65.0 65.0 65.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.75 XXXX XXXX XXXX 175.31 836.56 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale   XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 2 83736.26   2 15818 357 10 0.6244037478705281   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2177182 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 781 766 816 781 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX AR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         1.17           76.2 Taxes and Insurance 95.98 93931.6 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.75 XXXX XXXX XXXX 297.17 978.68 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Two to Four Unit 2 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 93931.6   1 432067 128 7 0.009655707998964536 3 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2177185 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 663 660 663 691 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OH XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     3101 Taxes and Insurance 93.4 175760.08 XXXX XXXX 60.0 60.0 60.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.25 XXXX XXXX XXXX 506.56 1881.83 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 177469.08 .00 3 88988 117 14 0.5216686834710913 10 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2175530 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 711 670 711 733 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX WI XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Cash Out - Other 49.63 49.63 6813.52 .00 .00 .00 6813.52 Employed       29.75       3 YRS 3432 3381.52 No Escrow 6.24 21110.93 XXXX XXXX 69.9 69.9 69.9 XXXX XXXX XXXX Conventional Fixed XXXX 6.875 XXXX XXXX XXXX 0 3381.52 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 1 29956.5 4852.00 1 18080 235 8 0.11004615976407232 7.83 No XXXX Manual Underwriting 4852.0 7.040 No No XXXX XXXX No
XXXX XXXX 2180239 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 782 755 786 782 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NC XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00         0.75           4352 Taxes and Insurance 99.15 181567.88 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.875 XXXX XXXX XXXX 217.4 1831.16 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0   3 30000 144 8 0.1521502326109157 10 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179070 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 735 722 753 735 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX MI XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         6.17           7843 Taxes and Insurance 91.97 86763.65 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 8.0 XXXX XXXX XXXX 239 943.41 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Two to Four Unit 2 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 86763.65   3 64000 241 9 0.21702728127939794   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179072 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen     XXXX 756 785 756 702 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX MD XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     2982 Taxes and Insurance 115.75 112712.34 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.25 XXXX XXXX XXXX 121.51 973.78 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 36 3%, 2%, 1% Retail No XXXX       Yes XXXX Two to Four Unit 2 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 95629.56   2 27972 235 6 0.1865359477124183   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179073 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 756 785 756 702 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX MD XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         13.67           15889 Taxes and Insurance 122.2 167081.94 XXXX XXXX 70.0 70.0 70.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.25 XXXX XXXX XXXX 166.26 1365.25 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 36 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 149999.16   2 27972 235 5 0.20681159420289855   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179071 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen     XXXX 694 777 681 694 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX PA XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00                     4148 Taxes and Insurance 73.6 112812.75 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7 XXXX XXXX XXXX 365.09 1532.7 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 .00 4 66706 407 5 0.08626753192380154   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2179075 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen     XXXX 705 705 707 703 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX IN XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     1589 Taxes and Insurance 14.55 18542.04 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.5 XXXX XXXX XXXX 407.76 1274.78 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0   1 38300 358 5 0.5098968185726569   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180237 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 759 759 778 747 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00         5.25           579 Taxes and Insurance 86.79 321231.49 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7 XXXX XXXX XXXX 531.92 3701.11 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Correspondent Bulk No XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 1995.00 5 35614 418 3 0.08323420074349443   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180236 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 752 752 743 760 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00         5.25           9088 Taxes and Insurance 16.57 61426.48 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.0 XXXX XXXX XXXX 534.17 3708.03 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Correspondent Bulk No XXXX       Yes XXXX Townhouse 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 1995.00 5 22000 162 3 0.30163636363636365   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180238 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 752 752 743 760 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00         5.25           6517 Taxes and Insurance 23.64 90090.07 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.125 XXXX XXXX XXXX 549.25 3811.51 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Townhouse 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 4575.00 4 22000 162 3 0.30163636363636365   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179065 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 759 759 778 747 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 752 752 743 760 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00         5.25 5.25         9667 Taxes and Insurance 93.5 321231.49 XXXX XXXX 74.52 74.52 74.52 XXXX XXXX XXXX DSCR Fixed XXXX 6.75 XXXX XXXX XXXX 476.24 3435.52 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Correspondent Bulk No XXXX       Yes XXXX Townhouse 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 2 0.0 1995.00 5 35614 418 3 0.18149284253578732   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179066 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 759 759 778 747 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00         5.25           579 Taxes and Insurance 100.69 318492.14 XXXX XXXX 68.57 68.57 68.57 XXXX XXXX XXXX DSCR Fixed XXXX 6.625 XXXX XXXX XXXX 380.12 3018.91 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Correspondent Bulk No XXXX       Yes XXXX Townhouse 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 1995.00 5 35614 418 3 0.08323420074349443   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179064 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 759 759 778 747 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         5.25           16755.72 Taxes and Insurance 99.29 321231.49 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.75 XXXX XXXX XXXX 331.17 3235.28 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Correspondent Flow with Delegated UW No XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX AVM XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 9050.63 4200.00 2 50000 322 6 0.4540834845735027 23.17 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179062 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen     XXXX 752 752 743 760 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     3397 Taxes and Insurance 29.37 90090.07 XXXX XXXX 69.96 69.96 69.96 XXXX XXXX XXXX DSCR Fixed XXXX 6.625 XXXX XXXX XXXX 378.7 3067.44 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Townhouse 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 3918.00 2 22000 162 4 0.2457777777777778   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179063 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen     XXXX 752 752 743 760 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OR XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     3397 Taxes and Insurance 41.12 122620.62 XXXX XXXX 67.22 67.22 67.22 XXXX XXXX XXXX DSCR Fixed XXXX 6.5 XXXX XXXX XXXX 359.26 2982.2 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Townhouse 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 3865.00 2 22000 162 4 0.2457777777777778   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2178923 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 722 714 722 754 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX GA XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     5408 Taxes and Insurance 119.62 102926.16 XXXX XXXX 65.0 65.0 65.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.0 XXXX XXXX XXXX 133.95 860.46 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 5%, 5%, 5%, 5% Retail No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Collateral Underwriter (CU) XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 102926.16 2184.00 2 44000 246 6 0.46265283653010375 15.17 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2177190 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 757 753 757 765 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No false XXXX 762 750 762 767 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX WA XXXX XXXX 12 Month Bank Statement Primary Residence Refinance Cash Out - Other 13.97 20.71 32000.00 .00 .00 .00 32000.00 Employed Not Employed     21.75       2 YRS 25371.24 6628.76 Taxes and Insurance 80.21 358525.44 XXXX XXXX 64.91 64.91 64.91 XXXX XXXX XXXX Conventional Fixed XXXX 6.875 XXXX XXXX XXXX 738.4 4469.76 XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 2 358525.44 8695.00 1 18000 363 4 0.4188780487804878 10 No XXXX Manual Underwriting 8695.0 7.099 No No XXXX XXXX No
XXXX XXXX 2179068 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 702 702 744 696 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX AL XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         2.17           23011 Taxes and Insurance 64.89 62962.21 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.875 XXXX XXXX XXXX 290.57 970.31 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX Yes AE XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 62962.21 .00 3 16500 382 18 0.49494451294697905   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179069 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 749 772 749 678 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX KS XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         6.25           565 Taxes and Insurance 108.12 105105.81 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.875 XXXX XXXX XXXX 218.25 972.08 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 105105.81 .00 2 10000 266 1 0.5607 9 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2179074 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen     XXXX 767 767 767 751 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX OK XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00         2.17           6203 Taxes and Insurance 203.04 163793.56 XXXX XXXX 77.0 77.0 77.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.75 XXXX XXXX XXXX 157.43 806.7 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 33.04 1560.00 8 13000 103 3 0.073   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 725 725 751 691 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX TX XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00                     17815 Taxes and Insurance 13.68 26896.35 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 6.625 XXXX XXXX XXXX 830.31 2087.7 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 4781.25 3 46900 296 20 0.2565535956580733   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180240 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 726 745 717 726 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No false XXXX 789 789  803 776 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX FL XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         20.17 2.5         5260 Taxes and Insurance 36.8 62521.82 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX 7 XXXX XXXX XXXX 246.83 1698.85 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       Yes XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 2 62521.82 .00 3 61682 247 10 0.15583513430071008 10 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 766 766 764 785 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NJ XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     7476 Taxes and Insurance 277.91 964767.57 XXXX XXXX 60.0 60.0 60.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.625 XXXX XXXX XXXX 1029.99 3516.87 XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Two to Four Unit 2 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 80364.0 5870.70 7 46000 360 7 0.42952482648158036   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 766 766 764 785 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NJ XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     7476 Taxes and Insurance 78.75 964767.57 XXXX XXXX 45.0 45.0 45.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.625 XXXX XXXX XXXX 964.46 2522.82 XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 170720.92 3678.75 7 46000 360 7 0.42952482648158036   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 766 766 764 785 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NJ XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     7476 Taxes and Insurance 369.78 964767.57 XXXX XXXX 45.0 45.0 45.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.25 XXXX XXXX XXXX 1108.43 2615.03 XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 211323.87 3739.50 7 46000 480 7 0.42952482648158036   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 779 792 779 653 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX VA XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     8490 Taxes and Insurance 63.75 120471.45 XXXX XXXX 57.18 57.18 57.18 XXXX XXXX XXXX DSCR Fixed XXXX 6.625 XXXX XXXX XXXX 529.58 1906.24 XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 6450.00 3 40000 215 17 0.007357021996615905   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2180019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 760 767 742 760 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX         XXXX XXXX NJ XXXX XXXX Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     5083 Taxes and Insurance 37.1 174873.69 XXXX XXXX 70.0 70.0 70.0 XXXX XXXX XXXX DSCR Fixed XXXX 7.5 XXXX XXXX XXXX 1305.86 4784.4 XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Retail No XXXX       No XXXX Single Family Detached 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 11130.00 2 9000 211 2 0.27288753799392096   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No