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 2161459 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 756 756 763 747 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 579 579 573 585 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 Primary Residence Purchase NA 32.96 48.78 37643.00 33349.00 .00 .00 70992.00 Employed Employed     16.08 26.08     3 YRS XXXX XXXX Taxes and Insurance 6.19 144774.66 XXXX XXXX 84.51 84.51 84.51 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1004 URAR 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 2 0.0 47405.00 2 150668 234 12 0.28012891636286785 5 No XXXX Manual Underwriting 17405.0 7.467 No No XXXX XXXX No
XXXX XXXX 2175374 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 749 731 763 749 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 12 Month Bank Statement Primary Residence Purchase NA 5.87 11.56 49913.33 .00 .00 .00 49913.33 Employed       7.17       NA XXXX XXXX Taxes and Insurance 9.98 29219.43 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 13918.82 2 26825 117 14 0.23647691334598356 3.5 No XXXX Manual Underwriting 13918.82 7.256 No No XXXX XXXX No
XXXX XXXX 2175376 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permanent Non-US Citizen Yes   XXXX 817 817 817 790 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 697 676 719 697 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 34.63 39.16 19223.80 2316.19 .00 .00 21539.99 Employed Employed     44.33 2.67     2 YRS XXXX XXXX Taxes and Insurance 7.47 55702.21 XXXX XXXX 89.99 89.99 89.99 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 0.0 19772.98 1 20000 545 2 0.192202852614897 6.75 No XXXX Manual Underwriting 19772.98 7.849 No No XXXX XXXX No
XXXX XXXX 2177188 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 706 727 696 706 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No false XXXX 725 720 748 725 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 19.14 30.95 44610.60 .00 .00 .00 44610.60 Employed Not Employed     3.33 12.33     Yes XXXX XXXX Taxes and Insurance 6.83 58326.36 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 0.0 16445.00 2 6000 148 3 0 2.92 No XXXX Manual Underwriting 16510.0 8.154 Yes No XXXX XXXX No
XXXX XXXX 2177189 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 777 784 755 777 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No false XXXX   809 818 800 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 Purchase NA 23.37 44.84 18871.00 .00 .00 .00 18871.00 Employed Not Employed     4.92       NA XXXX XXXX Taxes and Insurance 12.4 54690.2 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 0.0 7067.00 2 18327 171 2 0.07096 2.5 No XXXX Manual Underwriting 7067.0 7.582 No No XXXX XXXX No
XXXX XXXX 2179058 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 758 758 729 760 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 TX XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 1627.35 7257647.75 XXXX XXXX 85.0 85.0 85.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 12 5% 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 1 125293 216 5 0.038785714285714284 6.67 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2182152 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 758 758 729 760 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 TX XXXX XXXX Debt Service Coverage Ratio Investment Purchase NA 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 970.02 6741969.69 XXXX XXXX 85.0 85.0 85.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 12 5% Wholesale No XXXX       Yes XXXX PUD 1 XXXX XXXX XXXX XXXX XXXX Desk Review XXXX XXXX XXXX XXXX XXXX XXXX No C XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 .00 13 125293 197 5 0.038785714285714284 6.67 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2182375 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 731 713 731 764 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                     XXXX Taxes and Insurance 88.86 356224.21 XXXX XXXX 65 65 65 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 4%, 3%, 2%, 1% Wholesale No XXXX       No XXXX Other 1 XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX     XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 354881.27 8229.00 5 33000 411 13 0.11879117634245163   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX Yes
XXXX XXXX 2179057 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permanent Non-US Citizen Yes   XXXX 810 810 814 788 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 MD XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 26.17 26.37 13545.79 .00 .00 .00 13545.79 Employed       4.33       NA XXXX XXXX Taxes and Insurance 29.11 103169.23 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15002.75 1 13800 87 3 0.0009556313993174062 6 No XXXX Manual Underwriting 16392.75 7.297 No No XXXX XXXX No
XXXX XXXX 2185079 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen No   XXXX 778 783 762 778 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 Cash Out - Other 0 0 .00 .00 .00 .00 .00         2.42           XXXX Taxes and Insurance 96.52 85223.16 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 5%, 5%, 5%, 5%, 5% 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 85223.16 926.25 1 21378 252 11 0.03587848932676519 5 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2182374 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                     XXXX Taxes and Insurance 180.98 964767.57 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 483898.63 9797.45 7 46000 480 7 0.42952482648158036   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2182150 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 719 672 730 719 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 NM XXXX XXXX 24 Month Bank Statement Primary Residence Refinance Cash Out - Other 17.19 37.66 18403.20 .00 .00 .00 18403.20 Employed       18.75       NA XXXX XXXX Taxes and Insurance 74.89 236897.57 XXXX XXXX 69.4 69.4 69.4 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 236897.57 7632.50 2 32074 269 14 0.2192709205604868 26 No XXXX Manual Underwriting 7632.5 7.738 No No XXXX XXXX No
XXXX XXXX 2182151 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 764 764 767 756 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 AZ XXXX XXXX 12 Month Bank Statement Primary Residence Purchase NA 17.6 19.72 20706.00 .00 .00 .00 20706.00 Employed       0.92       NA XXXX XXXX Taxes and Insurance 7.82 28516.11 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 25234.69 1 35000 67 5 0.0004264099037138927 0.42 No XXXX Manual Underwriting 11909.0 6.564 No No XXXX XXXX No
XXXX XXXX 2190755 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 742 728 798 742 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 12 Month Bank Statement Investment Refinance Cash Out - Other 6.89 22.18 106632.23 .00 .00 .00 106632.23 Employed       8.48       NA XXXX XXXX Taxes and Insurance 20.11 180369.28 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 154143.49 23250.00 2 95378 284 11 0.1246264631710908 1.5 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2190754 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 729 729 718 744 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 Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 6.62 24896.71 XXXX XXXX 70.0 70.0 70.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 14468.62 9240.00 2 25087 214 8 0.6030768434536209 8 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2185071 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 746 746 719 765 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 Cash Out - Other 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 121.22 204450.85 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 360 360 XXXX                                 No 0 No No No N 0 No Prepayment Penalty Retail 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 191511.32 3093.75 5 40000 136 9 0.07951783023606228 2 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2185070 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 718 729 694 718 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 RI XXXX XXXX 12 Month Bank Statement Investment Refinance Cash Out - Other 1.52 9.58 444081.86 .00 .00 .00 444081.86 Employed               NA XXXX XXXX Taxes and Insurance 54.46 188081.87 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 68958.04 1942.50 7 149948 263 14 0.48002658833115336   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2185072 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 718 729 694 718 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 12 Month Bank Statement Investment Refinance Rate and Term 1.52 9.58 444081.86 .00 .00 .00 444081.86 Employed               NA XXXX XXXX Taxes and Insurance 45.09 75241.34 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 .00 7 149948 263 9 0.5096642003414912   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2184559 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes   XXXX 736 736 734 748 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 772 772 759 775 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 Purchase NA 6.63 39.42 26089.48 26089.48 .00 .00 52178.96 Employed Employed     15.83 15.83     NA XXXX XXXX Taxes and Insurance 13.63 47122.86 XXXX XXXX 90.0 90.0 90.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 0.0 9875.00 3 70825 260 10 0.18312309699869508 6.42 No XXXX Manual Underwriting 9875.0 8.041 Yes No XXXX XXXX No
XXXX XXXX 2182376 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 765 765 761 766 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 Purchase NA 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 88.62 88265.71 XXXX XXXX 80.0 80.0 80.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 36 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 1620.00 3 51602 128 6 0.11611340830338396 2 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2185080 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Unknown   XXXX 790 808 784 790 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 Cash Out - Other 0 0 .00 .00 .00 .00 .00         2.42           XXXX Taxes and Insurance 68.31 61019.71 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 20238.08 .00 2 94800 177 3 0.7906305464736104 2 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2185068 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 718 729 694 718 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                     XXXX Taxes and Insurance 170.42 171560.04 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 25881.74 .00 7 149948 263 14 0.48002658833115336   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2185069 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 718 729 694 718 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                     XXXX Taxes and Insurance 102.99 188081.87 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 18000.75 .00 7 149948 263 14 0.48002658833115336   No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2185073 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 764 764 786 726 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                     XXXX Taxes and Insurance 102.65 321319.48 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 400678.05 4162.50 4 131632 158 6 0.352078970984146   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187508 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 163.91 146487.31 XXXX XXXX 47.0 47.0 47.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1273.70 4 55989 246 3 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187503 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 161.86 148790.05 XXXX XXXX 55.0 55.0 55.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1298.00 27 55989 282 3 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187505 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 157.94 156693.15 XXXX XXXX 60.0 60.0 60.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AVM XXXX XXXX XXXX XXXX XXXX XXXX No X XXXX 0 None ATR/QM: Exempt ATR/QM: Exempt 1 0.0 1380.00 26 55989 246 2 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187502 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 162.79 151454.68 XXXX XXXX 58.0 58.0 58.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 0.0 1299.20 4 55989 282 2 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187506 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 157.94 156571.77 XXXX XXXX 60.0 60.0 60.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 0.0 1380.00 4 55989 246 3 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187504 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 161.73 149005.95 XXXX XXXX 58.0 58.0 58.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1299.20 26 55989 246 3 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187511 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 150.41 144246.05 XXXX XXXX 60.0 60.0 60.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 1%, 1%, 1%, 1%, 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 1260.00 26 55989 246 3 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187507 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 145.13 128356.64 XXXX XXXX 50.0 50.0 50.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 1%, 1%, 1%, 1%, 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 1180.00 26 55989 246 3 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187501 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 754 761 754 740 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 163.95 149625.5 XXXX XXXX 54.0 54.0 54.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 0.0 653.40 26 55989 246 3 0   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2185078 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Unknown   XXXX 754 726 754 763 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 Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00         7.42           XXXX No Escrow 28.52 193107.72 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 133634.93 .00 2 529600 182 15 0.04981849315068493 3 No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2191883 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Unknown   XXXX 698 698 724 647 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 Debt Service Coverage Ratio Investment Refinance Rate and Term 0 0 .00 .00 .00 .00 .00                     XXXX No Escrow 3.05 3867.15 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 12 5% Retail No XXXX       Yes XXXX Townhouse 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 0.0 2550.00 2 100093 268 36 0.5166189624329159 2 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2187510 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 764 764 786 726 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                     XXXX Taxes and Insurance 195.39 524176.49 XXXX XXXX 73.96 73.96 73.96 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Retail 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 12014.75 3550.00 5 131632 158 5 0.35817413355874894   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2187509 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 764 764 786 726 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                     XXXX Taxes and Insurance 122.35 524176.49 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 240 360 XXXX                                 Yes 120 No No No Y 60 5%, 4%, 3%, 2%, 1% Retail 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 190842.26 5250.00 5 131632 158 5 0.526360248447205   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2191884 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Unknown   XXXX 654 654 678 651 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 AZ XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 57.71 114092.48 XXXX XXXX 57.59 57.59 57.59 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 24 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 114092.48 2391.40 2 2000 167 2 0.1544 7.5 No XXXX Manual Underwriting         XXXX XXXX No
XXXX XXXX 2190758 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen   false XXXX 745 749 745 738 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 TX XXXX XXXX Debt Service Coverage Ratio Investment Refinance Cash Out - Other 0 0 .00 .00 .00 .00 .00                     XXXX Taxes and Insurance 62.13 95149.35 XXXX XXXX 60.0 60.0 60.0 XXXX XXXX XXXX DSCR Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fixed 360 360 XXXX                                 No 0 No No No Y 60 1%, 1%, 1%, 1%, 1% Retail 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 76678.62 2145.00 2 33000 212 7 0.39437880893830857   No XXXX Manual Underwriting Not Tested Not Tested Not Tested Not Tested XXXX XXXX No
XXXX XXXX 2190756 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Citizen Yes false XXXX 764 720 787 764 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 12 Month Bank Statement Investment Refinance Cash Out - Other 6.99 31.45 105072.20 .00 .00 .00 105072.20 Employed               NA 72023.22 XXXX Taxes and Insurance 19.25 183844.96 XXXX XXXX 75.0 75.0 75.0 XXXX XXXX XXXX Conventional Fixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 99798.4 39285.00 3 93266 285 11 0.06667490249369076   No XXXX Manual Underwriting         XXXX XXXX No