Client Name:
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
Client Project Name:  
SEMT 2026-12
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
Start - End Dates:
3/18/2026 - 8/17/2026
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
Deal Loan Count:
233
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
ATR QM Upload
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
Loans in Report:
233
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
Loan Number
Deal
Seller Loan Number
Original Principal Balance
State
Loan Level ATR/QM Status
Verification Safe Harbor (VSH)?
Lender Provided ATR/QM Worksheet
Initial Lender ATR/QM Status
Application Date
Borrower 1 Citizenship
Borrower 2 Citizenship
Borrowers Qualified Through a Non-Resident Alien Program
Occupancy
Property Type
Number of Units
Loan Type
Exempt Loan Product Type
Exempt Loan Housing Agency
Community Housing Development
Credit Under Economic Stabilization Act Of 2008
Refinance Of Non-Standard Mortgage
Higher Priced Covered Transaction
State Prepay Exceptions
Loan Purpose
Loan Term Exceeds 30 Years
Interest Only Feature
Negative Amortization
Balloon Payment
Prepay Penalty Flag
Prepayment Penalty Type
Prohibited Prepayment Penalty
Exceeds Points And Fees
Exceeds DTI Limit
Lien Position
APR
QM Calculated DTI Adherence
QM Lenders DTI Adherence
QM Fee Adherence - Total Charges %
QM Fee Adherence - Lenders Fee %
Fannie Mae Eligible
Freddie Mac Eligible
VA Guaranty Eligible
FHA Insured Eligible
USDA Guarantee Eligible
Rural Housing Service Insured Eligible
QM - Expected Income Or Assets For DTI
QM - Current Employment Status For DTI
QM - Monthly Payment On Subject Loan For DTI
QM - Monthly Payment On Additional Loan For DTI
QM - Monthly Payment Mortgage Related Obligations
QM - Current Debt Obligations Alimony and Child Support for DTI
QM - Monthly DTI Ratio Or Residual Income
One or more Verification Safe Harbor Guidelines used?
Current/Reasonably Expected Income or Assets per Guideline used?
Current Debt Obligations, Alimony & Child Support per Guideline used?
Monthly DTI (includes monthly payment on subject loan and simultaneous loans)
Monthly Residual Income per guideline used?
Compensating Factors used for QM determination documented before closing?
ATR - Guidelines Provided to Document Approach
ATR - Current And Expected Income And Assets
ATR - Current Employment Status
ATR - Mortgage Payment Obligation
ATR - Mortgage Payment on Simultaneous Transaction
ATR - Payment For Mortgage Related Obligations
ATR - Debt Obligations Including Alimony and Child Support
ATR - Monthly DTI Ratio or Residual Income
ATR - Consumer Credit History
ATR Lenders - DTI (Back)
ATR Calculated DTI (Back)
QM Lender Value DTI (Back)
QM Calculated DTI (Back)
Initial DTI (Back)
DTI Qualifying (Back)
Residual Income Analysis in File
Residual Income Guidelines
Did Loan Meet Guidelines
Residual Income Amount
Asset Depletion
Asset Depletion Months Amortized
Asset Utilization
Partial Asset Depletion
Short Sale
Short Sale Date
Deed In Lieu
Deed In Lieu Date
QRM Flag
Borrower 2 Guarantor Flag
Borrower 2 Personal Guaranty Recourse to Borrower
Borrower 3 Guarantor Flag
Borrower 3 Personal Guaranty Recourse to Borrower
Borrower 4 Guarantor Flag
Borrower 4 Personal Guaranty Recourse to Borrower
Borrower 1 Paystub Flag
Borrower 1 Paystub Number of Months
Borrower 2 Paystub Flag
Borrower 2 Paystub Number of Months
Borrower 3 Paystub Flag
Borrower 3 Paystub Number of Months
Borrower 4 Paystub Flag
Borrower 4 Paystub Number of Months
Borrower 1 W2 Flag
Borrower 1 W2 Number of Months
Borrower 2 W2 Flag
Borrower 2 W2 Number of Months
Borrower 3 W2 Flag
Borrower 3 W2 Number of Months
Borrower 4 W2 Flag
Borrower 4 W2 Number of Months
Borrower 1 Personal Tax Return Flag
Borrower 1 Personal Tax Return Number of Months
Borrower 2 Personal Tax Return Flag
Borrower 2 Personal Tax Return Number of Months
Borrower 3 Personal Tax Return Flag
Borrower 3 Personal Tax Return Number of Months
Borrower 4 Personal Tax Return Flag
Borrower 4 Personal Tax Return Number of Months
Borrower 1 Business Tax Return Flag
Borrower 1 Business Tax Return Number of Months
Borrower 2 Business Tax Return Flag
Borrower 2 Business Tax Return Number of Months
Borrower 3 Business Tax Return Flag
Borrower 3 Business Tax Return Number of Months
Borrower 4 Business Tax Return Flag
Borrower 4 Business Tax Return Number of Months
Borrower 1 Verbal VOE Flag
Borrower 1 Verbal VOE Number of Months
Borrower 2 Verbal VOE Flag
Borrower 2 Verbal VOE Number of Months
Borrower 3 Verbal VOE Flag
Borrower 3 Verbal VOE Number of Months
Borrower 4 Verbal VOE Flag
Borrower 4 Verbal VOE Number of Months
Borrower 1 Written VOE Flag
Borrower 1 Written VOE Form
Borrower 1 Written VOE Number of Months
Borrower 2 Written VOE Flag
Borrower 2 Written VOE Form
Borrower 2 Written VOE Number of Months
Borrower 3 Written VOE Flag
Borrower 3 Written VOE Form
Borrower 3 Written VOE Number of Months
Borrower 4 Written VOE Flag
Borrower 4 Written VOE Form
Borrower 4 Written VOE Number of Months
Borrower 1 P&L Flag
Borrower 1 P&L Prepared By
Borrower 1 P&L Number of Months
Borrower 2 P&L Flag
Borrower 2 P&L Prepared By
Borrower 2 P&L Number of Months
Borrower 3 P&L Flag
Borrower 3 P&L Prepared By
Borrower 3 P&L Number of Months
Borrower 4 P&L Flag
Borrower 4 P&L Prepared By
Borrower 4 P&L Number of Months
Borrower 1 Lease Agreement Flag
Borrower 1 Lease Agreement Number of Months
Borrower 2 Lease Agreement Flag
Borrower 2 Lease Agreement Number of Months
Borrower 3 Lease Agreement Flag
Borrower 3 Lease Agreement Number of Months
Borrower 4 Lease Agreement Flag
Borrower 4 Lease Agreement Number of Months
Equity Income Flag
Equity Income Amount
Equity Income Number of Months
Cross Collateralized Loan?
Is the Loan a Short-Term Rental?
DSCR with Rent Schedule Flag
DSCR with Rent Schedule Income Amount
DSCR with Lease Agreement Flag
DSCR with Lease Agreement Income Amount
DSCR %
DSCR Method Used
Borrower 1 CPA Letter with Income Flag
Borrower 1 CPA Letter with Income Number of Months
Borrower 1 CPA Letter without Income Flag
Borrower 1 CPA Letter without Income Number of Months
Borrower 2 CPA Letter with Income Flag
Borrower 2 CPA Letter with Income Number of Months
Borrower 2 CPA Letter without Income Flag
Borrower 2 CPA Letter without Income Number of Months
Borrower 3 CPA Letter with Income Flag
Borrower 3 CPA Letter with Income Number of Months
Borrower 3 CPA Letter without Income Flag
Borrower 3 CPA Letter without Income Number of Months
Borrower 4 CPA Letter with Income Flag
Borrower 4 CPA Letter with Income Number of Months
Borrower 4 CPA Letter without Income Flag
Borrower 4 CPA Letter without Income Number of Months
Borrower 1 Personal Bank Statements Flag
Borrower 1 Personal Bank Statements Number of Months
Borrower 2 Personal Bank Statements Flag
Borrower 2 Personal Bank Statements Number of Months
Borrower 3 Personal Bank Statements Flag
Borrower 3 Personal Bank Statements Number of Months
Borrower 4 Personal Bank Statements Flag
Borrower 4 Personal Bank Statements Number of Months
Borrower 1 Business Bank Statements Flag
Borrower 1 Business Bank Statements Number of Months
Borrower 2 Business Bank Statements Flag
Borrower 2 Business Bank Statements Number of Months
Borrower 3 Business Bank Statements Flag
Borrower 3 Business Bank Statements Number of Months
Borrower 4 Business Bank Statements Flag
Borrower 4 Business Bank Statements Number of Months
Borrower 1 Award Letter Flag
Borrower 1 Award Letter Number of Months
Borrower 2 Award Letter Flag
Borrower 2 Award Letter Number of Months
Borrower 3 Award Letter Flag
Borrower 3 Award Letter Number of Months
Borrower 4 Award Letter Flag
Borrower 4 Award Letter Number of Months
Borrower 1 Offer Letter Flag
Borrower 1 Offer Letter Number of Months
Borrower 2 Offer Letter Flag
Borrower 2 Offer Letter Number of Months
Borrower 3 Offer Letter Flag
Borrower 3 Offer Letter Number of Months
Borrower 4 Offer Letter Flag
Borrower 4 Offer Letter Number of Months
Borrower 1 IRS Transcripts - Tax Returns Flag
Borrower 1 IRS Transcripts - Tax Returns Number of Months
Borrower 1 IRS Transcripts - W2s Flag
Borrower 1 IRS Transcripts - W2s Number of Months
Borrower 2 IRS Transcripts - Tax Returns Flag
Borrower 2 IRS Transcripts - Tax Returns Number of Months
Borrower 2 IRS Transcripts - W2s Flag
Borrower 2 IRS Transcripts - W2s Number of Months
Borrower 3 IRS Transcripts - Tax Returns Flag
Borrower 3 IRS Transcripts - Tax Returns Number of Months
Borrower 3 IRS Transcripts - W2s Flag
Borrower 3 IRS Transcripts - W2s Number of Months
Borrower 4 IRS Transcripts - Tax Returns Flag
Borrower 4 IRS Transcripts - Tax Returns Number of Months
Borrower 4 IRS Transcripts - W2s Flag
Borrower 4 IRS Transcripts - W2s Number of Months
Borrower 1 Income Doc Type Summary
Borrower 2 Income Doc Type Summary
Borrower 3 Income Doc Type Summary
Borrower 4 Income Doc Type Summary
Borrower 1 Documentation Used to Determine Legal Residency
Borrower 2 Documentation Used to Determine Legal Residency
Borrower 3 Documentation Used to Determine Legal Residency
Borrower 4 Documentation Used to Determine Legal Residency
121779
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.12
0.120
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.27
37.4
38.27
37.4
37.4
37.4
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121780
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.139
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.02
48.92
47.02
48.92
48.92
48.92
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121781
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.398
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.45
30.45
30.45
30.45
30.45
30.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121782
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.253
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.02
28.6
27.02
28.6
28.6
28.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 16 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121783
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
0.602
0.602
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45
44.97
45
44.97
44.97
44.97
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
Yes
2
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
W2 - 12 months;
Written VOE - 24 months
Paystub - 2 months;
W2 - 12 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121784
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.683
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.78
45.6
45.78
45.6
45.6
45.6
Yes
Yes
Yes
XXXXX
Yes
360
Yes
Yes
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Personal Bank Statement for Retirement Income - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121785
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.084
0.337
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.16
49.19
44.16
49.19
49.19
49.19
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Bank Statement for Retirement Income - 3 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121786
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.863
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.19
39.2
39.19
39.2
39.2
39.2
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
18
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – W2(s) - 24 months;
P & L - 18 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121842
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.055
0.055
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
19.45
19.32
19.45
19.32
19.32
19.32
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121843
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.292
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.86
49.85
49.86
49.85
49.85
49.85
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 27 months
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121844
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.097
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.82
49.84
49.82
49.84
49.84
49.84
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
26
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
0
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 0 months;
Paystub - 26 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121845
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.13
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24.44
24.7
24.44
24.7
24.7
24.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121846
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
0.607
0.607
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44
44.47
44
44.47
44.47
44.47
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
48
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 36 months;
CPA Letter - 48 months;
IRS Transcripts – Tax Return(s) - 36 months;
P & L - 16 months;
Personal Tax Return - 24 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 24 months;
Personal Tax Return - 24 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121847
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.219
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.5
46.92
45.5
46.92
46.92
46.92
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
26
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 26 months
1099 - 12 months;
Paystub - 26 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121848
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.186
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.56
42.56
42.56
42.56
42.56
42.56
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
13
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 13 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121849
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.061
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
16.45
16.45
16.45
16.45
16.45
16.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121537
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.273
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.45
35.37
35.45
35.37
35.37
35.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
28
Yes
Independent Third Party (XXX, XXX etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121538
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.37
0.370
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.71
26.89
29.71
26.89
26.89
26.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 16 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121539
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.067
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.95
49.54
48.95
49.54
49.54
49.54
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
4
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 4 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121540
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.14
0.140
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.37
40.37
40.37
40.37
40.37
40.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 25 months;
W2 - 24 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121541
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.095
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
22
21.52
22
21.52
21.52
21.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 36 months
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121635
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.131
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.23
44.3
44.23
44.3
44.3
44.3
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 16 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121636
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.13
0.130
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.61
43.61
43.61
43.61
43.61
43.61
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Bank Statement for Retirement Income - 2 months
Award Letter - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121787
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.003
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.82
49.54
49.82
49.54
49.54
49.54
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121788
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.172
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.46
35.1
37.46
35.1
35.1
35.1
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
16
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 24 months;
Written VOE - 16 months
IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121789
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.329
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.72
31.34
34.72
31.34
31.34
31.34
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
2
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
FMNA 1005
30
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
23
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
1099 - 24 months;
CPA Letter - 23 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121790
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.572
1.585
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.9
28.9
28.9
28.9
28.9
28.9
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 3 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121791
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.399
0.399
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.83
32.83
32.83
32.83
32.83
32.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 36 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121792
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.12
0.120
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.89
40.4
42.89
40.4
40.4
40.4
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121793
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.04
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.84
28.84
28.84
28.84
28.84
28.84
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121794
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.091
0.091
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.59
40.33
40.59
40.33
40.33
40.33
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 12 months;
Award Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121851
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.074
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.87
45.88
45.87
45.88
45.88
45.88
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121852
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.235
1.235
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.92
29.31
28.92
29.31
29.3
29.3
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 12 months;
Paystub - 25 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121853
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.075
0.075
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.23
43.23
43.23
43.23
43.23
43.23
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121854
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.139
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.46
34.46
34.46
34.46
34.46
34.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
16
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 16 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121855
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.051
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.93
42.73
42.93
42.73
42.73
42.73
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
2
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
Personal Tax Return - 12 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121856
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.142
0.142
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.69
49.86
49.69
49.86
49.86
49.86
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
1099 - 12 months;
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121857
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Permanent Resident Alien
Permanent Resident Alien
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.177
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
23.92
22.1
23.92
22.1
22.1
22.1
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Written VOE - 24 months
(No Data)
(No Data)
Green Card
Green Card
(No Data)
(No Data)
121798
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.212
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.23
39.22
39.23
39.22
39.22
39.22
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121799
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
0.107
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45
44.51
45
44.51
44.51
44.51
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
28
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
0
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 1 months;
Paystub - 28 months;
W2 - 24 months
Paystub - 1 months;
W2 - 0 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121800
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.987
0.987
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.37
42.96
42.37
42.96
42.96
42.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 1 months;
Paystub - 1 months;
Personal Bank Statement for Retirement Income - 4 months;
W2 - 12 months
Award Letter - 12 months;
Paystub - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121801
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.068
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.9
35.64
35.9
35.64
35.64
35.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
22
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
22
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 22 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 22 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121858
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.177
1.703
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.63
44.82
47.63
44.82
44.82
44.82
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121859
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
0
0.000
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.21
48.21
48.21
48.21
48.21
48.21
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 28 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121860
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.135
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.4
37.37
37.4
37.37
37.37
37.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Other
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 24 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121861
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
1.137
0.000
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.11
45.22
45.11
45.22
45.22
45.22
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121862
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.115
0.117
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.47
46.47
46.47
46.47
46.47
46.47
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121863
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
Cooperative
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.346
0.346
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.12
39.8
40.12
39.8
39.8
39.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
17
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 17 months;
Personal Tax Return - 24 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
Employment Authorization Document
(No Data)
(No Data)
(No Data)
121591
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Permanent Resident Alien
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.067
0.000
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
14.44
13.64
14.44
13.64
13.64
13.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
27
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 27 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
121592
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.179
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.83
37.83
37.83
37.83
37.83
37.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121807
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
0.135
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49
49.02
49
49.02
49.02
49.02
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 36 months;
W2 - 36 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121808
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.129
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.27
40.27
40.27
40.27
40.27
40.27
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121810
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.063
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.89
40.6
42.89
40.6
40.6
40.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Personal Tax Return - 24 months
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121593
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.07
0.070
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.93
31.56
34.93
31.56
31.56
31.56
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
28
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 28 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
121595
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.153
0.153
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.28
35.55
41.28
35.55
35.55
35.55
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121596
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.176
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.58
42.45
42.58
42.45
42.45
42.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
28
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 28 months
Paystub - 28 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121597
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.145
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.18
38.18
38.18
38.18
38.18
38.18
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121598
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.348
1.348
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.53
32.46
32.53
32.46
32.46
32.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
25
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
29
Yes
FMNA 1005
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
Paystub - 25 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121599
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.163
0.166
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.32
35.32
35.32
35.32
35.32
35.32
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121645
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
1.703
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.12
49.27
49.12
49.27
49.27
49.27
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
Yes
24
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
IRS Transcripts – W2(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121646
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.09
0.090
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.3
40.97
42.3
40.97
40.97
40.97
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121647
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Permanent Resident Alien
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.269
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.95
28.1
27.95
28.1
28.1
28.1
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
28
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 28 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
121648
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.047
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.21
43.68
43.21
43.68
43.68
43.68
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121649
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.08
0.181
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36
42.83
36
42.83
42.83
42.83
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121650
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.205
0.205
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.61
27.76
27.61
27.76
27.76
27.76
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121651
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.819
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.74
49.91
49.74
49.91
49.91
49.91
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
5
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 36 months;
P & L - 5 months;
Personal Tax Return - 24 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121905
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.038
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.95
30.96
30.95
30.96
30.96
30.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121907
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.232
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.64
42.61
40.64
42.61
42.61
42.61
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
25
Yes
Independent Third Party (XXX, XXX etc)
42
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Lease Agreement - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 25 months
Lease Agreement - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 42 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121909
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.138
0.141
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.14
44.71
49.14
44.71
44.71
44.71
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
5
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 5 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121910
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.058
0.058
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.97
35.92
35.97
35.92
35.92
35.92
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121911
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.159
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29
28.88
29
28.88
28.88
28.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121811
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.168
0.168
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.85
35.85
35.85
35.85
35.85
35.85
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121812
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.302
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.31
48.21
48.31
48.21
48.21
48.21
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
27
Yes
27
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
Yes
Independent Third Party (XXX, XXX etc)
7
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 27 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 28 months
Paystub - 27 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 7 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121813
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
2.128
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.84
46.98
46.84
46.98
46.98
46.98
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
26
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 26 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121814
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.096
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.84
48.84
48.84
48.84
48.84
48.84
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
28
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
4
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 4 months;
Personal Tax Return - 24 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 28 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121815
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.892
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.13
41.13
41.13
41.13
41.13
41.13
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121543
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.667
0.667
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.31
40.31
40.31
40.31
40.31
40.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121600
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.319
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.26
42.19
42.26
42.19
42.19
42.19
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
22
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Bank Statement for Retirement Income - 2 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 22 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121601
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.153
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.38
40.38
40.38
40.38
40.38
40.38
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Offer Letter - 1 months;
Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121603
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.001
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.53
32.53
32.53
32.53
32.53
32.53
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121604
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.08
0.080
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.29
35.11
32.29
35.11
35.11
35.11
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121605
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.52
0.375
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
21.05
23.45
21.05
23.45
23.45
23.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 16 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121606
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.194
0.194
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.4
42.88
41.4
42.88
42.88
42.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121607
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.073
0.073
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.5
34.5
34.5
34.5
34.5
34.5
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
16
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 16 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121545
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.09
0.090
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
18.97
18.97
18.97
18.97
18.97
18.97
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121546
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.23
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.65
48.09
46.65
48.09
48.09
48.09
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
17
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
P & L - 17 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121547
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.56
31.37
29.56
31.37
31.37
31.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121548
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.33
30.9
31.33
30.9
30.9
30.9
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 29 months
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121549
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.034
0.034
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.36
25.36
25.36
25.36
25.36
25.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121550
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.85
41.01
41.85
41.01
41.01
41.01
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
29
Yes
29
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 29 months;
W2 - 24 months;
Written VOE - 29 months
Paystub - 29 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121551
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.557
0.557
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.45
27.53
27.45
27.53
27.53
27.53
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
18
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 18 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121552
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.284
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.65
27.65
27.65
27.65
27.65
27.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121608
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
1.066
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.44
46.36
46.44
46.36
46.36
46.36
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121610
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.123
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.59
25.59
25.59
25.59
25.59
25.59
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121611
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.106
0.106
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.62
49.63
49.62
49.63
49.63
49.63
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
27
Yes
Independent Third Party (XXX, XXX etc)
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 27 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 15 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121612
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.386
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.39
39.39
39.39
39.39
39.39
39.39
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Written VOE - 3 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121613
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.212
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.43
40.43
40.43
40.43
40.43
40.43
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
5
Yes
5
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
29
Yes
FMNA 1005
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 5 months;
W2 - 24 months;
Written VOE - 29 months
Paystub - 5 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121614
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.069
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
19.53
19.6
19.53
19.6
19.6
19.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121615
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.204
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46
45.38
46
45.38
45.38
45.38
No
Yes
Yes
XXXXX
Yes
240
Yes
Yes
No
XXXXX
No
XXXXX
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
FMNA 1005
28
Yes
FMNA 1005
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 1 months;
W2 - 24 months
Written VOE - 28 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121553
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Permanent Resident Alien
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.49
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.12
41.12
41.12
41.12
41.12
41.12
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
121554
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.133
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.2
30.2
30.2
30.2
30.2
30.2
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121556
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.478
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
18.2
18.34
18.2
18.34
18.34
18.34
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121557
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.087
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.53
26.46
30.53
26.46
26.46
26.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
27
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
4
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 4 months;
Paystub - 27 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121558
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.114
0.114
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.94
33.16
32.94
33.16
33.16
33.16
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121559
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.165
0.179
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.5
46.43
46.5
46.43
46.43
46.43
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
3
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 12 months;
Paystub - 3 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121560
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.272
0.272
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.58
29.58
29.58
29.58
29.58
29.58
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 25 months;
Personal Tax Return - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121616
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.096
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.98
34.66
34.98
34.66
34.66
34.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121617
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
1.999
1.897
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47
47.09
47
47.09
47.09
47.09
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
5
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 5 months;
Personal Tax Return - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121618
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.194
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.64
46.42
46.64
46.42
46.42
46.42
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121619
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.151
0.151
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24.63
24.63
24.63
24.63
24.63
24.63
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121620
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.064
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43.87
43.82
43.87
43.82
43.82
43.82
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121621
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.148
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.58
24.38
26.58
24.38
24.38
24.38
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 28 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121622
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
High Rise Condo (9+)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.326
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.37
39.32
39.74
39.32
39.32
39.32
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121623
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.126
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.75
40.75
40.75
40.75
40.75
40.75
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121925
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
1.603
1.603
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.97
49.97
49.97
49.97
49.97
49.97
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
2
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121926
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.922
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.77
45.31
48.77
45.31
45.31
45.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
2
No
(No Data)
No
(No Data)
Yes
24
Yes
24
Yes
24
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
CPA
12
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
1099 - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
121927
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.087
0.087
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.07
23.8
28.07
23.8
23.8
23.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 1 months;
Paystub - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121928
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.115
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.19
28.99
33.19
28.99
28.99
28.99
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
29
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 29 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121929
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.198
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.45
44.7
45.45
44.7
44.7
44.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121930
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
Yes
No
0.156
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.75
42.49
44.75
42.49
42.49
42.49
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
30
Yes
Independent Third Party (XXX, XXX etc)
30
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121931
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
High Rise Condo (9+)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.498
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.76
41.96
41.76
41.96
41.96
41.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121932
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.204
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.48
43.4
44.48
43.4
43.4
43.4
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
28
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 28 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121660
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.122
0.122
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.13
40.62
40.13
40.62
40.62
40.62
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
2
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
6
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
P & L - 6 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121661
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.149
0.149
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.67
41.53
41.67
41.53
41.53
41.53
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121662
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.12
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.67
40.67
40.67
40.67
40.67
40.67
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Verbal VOE with Income - 12 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121663
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.151
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.17
26.17
26.17
26.17
26.17
26.17
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121664
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.098
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31
30.65
31
30.65
30.65
30.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121665
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.091
0.000
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.14
30.37
28.14
30.37
30.37
30.37
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
W2 - 12 months;
Written VOE - 28 months
W2 - 12 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121666
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
1.485
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.77
49.78
49.77
49.78
49.78
49.78
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
30
Yes
Independent Third Party (XXX, XXX etc)
30
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 30 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121561
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
1.695
Not Applicable
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.98
47.72
47.98
47.72
47.72
47.72
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121562
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.164
0.688
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.88
38.88
38.88
38.88
38.88
38.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Personal Bank Statement for Retirement Income - 2 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121563
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
1.628
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.51
43.96
44.51
43.96
43.96
43.96
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
29
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Paystub - 29 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121564
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Rebuttable Presumption (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.151
0.151
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.97
46.02
45.97
46.02
46.02
46.02
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121565
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.93
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.31
39.31
39.31
39.31
39.31
39.31
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121567
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.067
0.067
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.18
34.18
34.18
34.18
34.18
34.18
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
27
Yes
Independent Third Party (XXX, XXX etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
W2 - 12 months;
Written VOE - 27 months
W2 - 12 months;
Written VOE - 27 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121568
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.116
0.116
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.4
36.48
35.4
36.48
36.48
36.48
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121624
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.146
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
17.67
18.14
17.67
18.14
18.14
18.14
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
28
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
IRS Transcripts – W2(s) - 36 months;
Paystub - 28 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121625
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.188
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.64
31.64
1.64
31.64
31.64
31.64
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121626
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Not Provided
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.159
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.3
45.3
45.3
45.3
45.3
45.3
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
CPA Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121627
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.122
0.122
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42
42.51
42
42.51
42.51
42.51
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121628
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
Permanent Resident Alien
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.109
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.63
47.55
47.63
47.55
47.55
47.55
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
16
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 16 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
121629
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
Non-Permanent Resident Alien
(No Data)
Primary
Cooperative
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.278
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.95
37.8
37.95
37.8
37.8
37.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
30
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
Employment Authorization Document
Employment Authorization Document
(No Data)
(No Data)
121942
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.036
1.034
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.48
33.35
34.48
33.35
33.35
33.35
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
Yes
2
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121943
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.095
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.67
32.67
32.67
32.67
32.67
32.67
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
3
Yes
27
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
FMNA 1005
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 3 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 27 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121944
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.206
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.46
42.48
42.46
42.48
42.48
42.48
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121945
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0
0.000
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42
41.52
42
41.52
41.52
41.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 12 months;
Award Letter - 12 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months
1099 - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121946
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
(No Data)
(No Data)
Primary
Attached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.128
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.52
34.92
34.52
34.92
34.92
34.92
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
121949
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.134
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47.36
45.62
47.36
45.62
45.62
45.62
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
30
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121950
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.595
0.595
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.58
35.62
35.58
35.62
35.62
35.62
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121951
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.23
0.194
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.86
40.07
38.86
40.07
40.07
40.07
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months
Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121952
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.18
0.180
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.81
32.95
36.81
32.95
32.95
32.95
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
15
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 15 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121953
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.72
0.631
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.82
44.29
44.82
44.29
44.29
44.29
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121954
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.577
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.08
44.13
44.08
44.13
44.13
44.13
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
30
Yes
Independent Third Party (XXX, XXX etc)
30
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121955
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.317
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.55
48.82
49.55
48.82
48.82
48.82
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
17
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 17 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121956
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.132
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.54
39.52
39.54
39.52
39.52
39.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
18
Yes
Borrower
18
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
P & L - 18 months;
Personal Tax Return - 24 months
Business Tax Return - 24 months;
P & L - 18 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121957
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Permanent Resident Alien
Permanent Resident Alien
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.079
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
39.36
35.33
39.36
35.33
35.33
35.33
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
Yes
Independent Third Party (XXX, XXX etc)
23
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
Written VOE - 23 months
(No Data)
(No Data)
Green Card
Green Card
(No Data)
(No Data)
121958
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.167
0.167
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28
27.67
28
27.67
27.67
27.67
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Tax Preparer
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 36 months;
P & L - 12 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121959
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Non-Permanent Resident Alien
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.105
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.62
37.51
36.62
37.51
37.51
37.51
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
17
Yes
17
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 17 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 17 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 12 months
(No Data)
(No Data)
Work Visa
(No Data)
(No Data)
(No Data)
121960
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.955
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
19.09
19.09
19.09
19.09
19.09
19.09
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121961
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.071
0.071
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.58
41.93
41.58
41.93
41.93
41.93
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
29
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 29 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121962
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.166
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.7
41.61
41.7
41.61
41.61
41.61
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
29
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Written VOE - 29 months
Paystub - 1 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121963
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.061
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
37.37
37.29
37.37
37.29
37.29
37.29
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121964
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.241
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.75
39.65
41.75
39.65
39.65
39.65
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
17
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 17 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121569
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.092
0.092
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.25
36.23
36.25
36.23
36.23
36.23
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 12 months;
Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 36 months;
Personal Bank Statement for Retirement Income - 2 months
1099 - 12 months;
Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 36 months;
Personal Bank Statement for Retirement Income - 3 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121570
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.15
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
22.02
22.02
22.02
22.02
22.02
22.02
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121571
XXXXX
XXXXX
XXXXX
XXXXX
QM: Rebuttable Presumption (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
Yes
No
Construction/Perm
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.351
1.092
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26
29.8
26
29.8
29.8
29.8
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
48
Yes
48
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 48 months;
Written VOE - 24 months
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 48 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121572
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.362
0.387
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.58
44.57
44.58
44.57
44.57
44.57
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121573
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Mid Rise Condo  (5-8)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
2.064
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.87
33.87
33.87
33.87
33.87
33.87
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121574
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
2.949
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.65
40.32
40.65
40.32
40.32
40.32
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Award Letter - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121575
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.134
0.134
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.78
44.78
44.78
44.78
44.78
44.78
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
4
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 16 months;
Personal Tax Return - 12 months
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 4 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121576
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.755
0.567
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.44
24.36
25.44
24.36
24.36
24.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
CPA
3
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121631
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.144
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.77
32.77
32.77
32.77
32.77
32.77
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121632
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.168
0.168
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.27
38.27
38.27
38.27
38.27
38.27
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
W2 - 12 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121633
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.339
0.339
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.06
42.05
42.06
42.05
42.05
42.05
No
No
(No Data)
XXXXX
Yes
360
Yes
Yes
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
2
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121634
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.217
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.81
30.67
34.81
30.67
30.67
30.67
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
6
Yes
Borrower
6
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 6 months;
Personal Tax Return - 12 months;
W2 - 24 months
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 6 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121725
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.412
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
27.2
27.2
27.2
27.2
27.2
27.2
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
17
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 17 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121726
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.143
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.3
46.3
46.3
46.3
46.3
46.3
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121577
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.705
2.318
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
11.38
11.47
11.38
11.47
11.47
11.47
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
6
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
30
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Offer Letter - 12 months;
Paystub - 6 months;
Personal Bank Statements - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121578
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.08
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.91
26.88
31.91
26.88
26.88
26.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
5
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
CPA Letter - 1 months;
P & L - 5 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121579
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.391
0.391
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.28
33.94
34.28
33.94
33.94
33.94
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
4
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 4 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121580
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.731
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.7
42.7
42.7
42.7
42.7
42.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
5
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 5 months;
Personal Tax Return - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121581
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.198
0.198
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.53
31.62
32.53
31.62
31.62
31.62
No
No
(No Data)
XXXXX
Yes
240
Yes
No
No
XXXXX
No
XXXXX
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 12 months;
Paystub - 1 months;
W2 - 24 months
IRS Transcripts – W2(s) - 12 months;
Paystub - 1 months;
W2 - 24 months
1099 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121582
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.332
0.332
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.75
31.28
34.75
31.28
31.28
31.28
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
Yes
27
Yes
27
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 27 months;
W2 - 24 months
Paystub - 27 months;
W2 - 24 months
Award Letter - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121583
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.094
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.29
38.49
38.29
38.49
38.49
38.49
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
27
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
27
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 27 months;
W2 - 24 months;
Written VOE - 27 months
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121584
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.169
0.169
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
25.72
25.88
25.72
25.88
25.88
25.88
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121728
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
Yes
0.257
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.16
43.52
42.16
43.52
43.52
43.52
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
31
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121729
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.318
1.318
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
24.76
24.74
24.76
24.74
24.74
24.74
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
32
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 32 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121730
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.138
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.99
49.97
49.99
49.97
49.97
49.97
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
16
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 16 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121731
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.172
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.46
41.89
41.46
41.89
41.89
41.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 2 months
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121732
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.155
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43
40.7
43
40.7
40.7
40.7
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 12 months;
Paystub - 1 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121733
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.125
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.38
49.38
49.38
49.38
49.38
49.38
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
16
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
CPA Letter - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 16 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121734
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Attached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
2.332
0.000
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.95
40.89
40.95
40.89
40.89
40.89
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
30
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 12 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121674
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
1.627
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.84
44.84
44.84
44.84
44.84
44.84
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Offer Letter - 12 months;
Paystub - 1 months;
W2 - 12 months
Paystub - 1 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121675
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.065
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.15
33.74
34.15
33.74
33.74
33.74
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121676
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.863
0.863
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
43
42.66
43
42.66
42.66
42.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
25
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 25 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121677
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.055
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
45.35
45.36
45.35
45.36
45.36
45.36
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
10
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 10 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121678
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.159
0.159
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.67
34.17
33.67
34.17
34.17
34.17
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
28
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 28 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121679
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.868
0.868
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
31.01
30.99
31.01
30.99
30.99
30.99
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
18
Yes
Borrower
18
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 18 months;
Personal Tax Return - 12 months;
W2 - 24 months
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 18 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121773
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.189
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.86
42.86
42.86
42.86
42.86
42.86
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121774
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
1.355
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.78
42.66
40.78
42.66
42.66
42.66
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
6
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 12 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 6 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121585
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.12
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.17
33.17
33.17
33.17
33.17
33.17
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121586
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR-Attached
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.141
0.141
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.5
49.49
49.5
49.49
49.49
49.49
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 24 months;
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 2 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121587
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.266
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.16
41.16
41.16
41.16
41.16
41.16
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months
Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121589
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Attached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.173
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
6.17
16.03
16.17
16.03
16.03
16.03
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
29
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 29 months;
W2 - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121680
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.196
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.73
48.73
48.73
48.73
48.73
48.73
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
29
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
12
Yes
Independent Third Party (XXX, XXX etc)
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 29 months;
W2 - 24 months;
Written VOE - 12 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121681
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.888
0.888
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
23.4
19.98
23.4
19.98
19.98
19.98
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121735
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.158
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
9.58
9.58
9.58
9.58
9.58
9.58
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
17
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 17 months;
Personal Tax Return - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121736
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.182
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
46.77
46.77
46.77
46.77
46.77
46.77
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Offer Letter - 12 months;
Paystub - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121737
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.143
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
36.42
36.02
36.42
36.02
36.02
36.02
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Other
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 12 months;
Business Tax Return - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121682
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.256
2.027
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.9
41.9
41.9
41.9
41.9
41.9
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
1099 - 12 months;
Business Tax Return - 36 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 36 months;
W2 - 36 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121870
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.205
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
44.37
44.36
44.37
44.36
44.36
44.36
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Paystub - 1 months;
Personal Bank Statement for Retirement Income - 3 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121871
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.29
0.290
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
33.96
33.95
33.96
33.95
33.95
33.95
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
6
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
12
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
29
Yes
Independent Third Party (XXX, XXX etc)
25
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 6 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 29 months
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 25 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121653
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.203
0.000
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
32.93
32.93
32.93
32.93
32.93
32.93
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
9
Yes
Borrower
9
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 9 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 9 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121654
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.397
0.397
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.02
34.02
34.02
34.02
34.02
34.02
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months
Paystub - 1 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121655
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.181
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48.7
48.83
48.7
48.83
48.83
48.83
No
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121657
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Exempt
1
XXXXX
No
No
0.278
0.278
No
Yes
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Yes
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
49.09
48.62
49.09
48.62
48.62
48.62
Yes
Yes
Yes
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
12
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121658
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.045
0.045
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
40.75
38.83
40.75
38.83
38.83
38.83
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121659
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.119
Not Applicable
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.67
38.6
38.67
38.6
38.6
38.6
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Personal Bank Statement for Retirement Income - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121722
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.052
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
20.87
20.95
20.87
20.95
20.95
20.95
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
Business Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121724
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.163
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
29.85
29.85
29.85
29.85
29.85
29.85
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
17
Yes
Independent Third Party (XXX, XXX etc)
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
36
No
(No Data)
Yes
36
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 17 months
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121816
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
Permanent Resident Alien
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Cashout Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.554
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
35.03
35.28
35.03
35.28
35.28
35.28
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
Green Card
(No Data)
(No Data)
(No Data)
121817
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.149
0.005
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
42.53
42.99
42.53
42.99
42.99
42.99
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
29
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – Tax Return(s) - 24 months;
Offer Letter - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 29 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121872
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.123
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
47
46.33
47
46.33
46.33
46.33
No
Yes
Yes
XXXXX
Yes
240
No
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
2
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Personal Bank Statements - 2 months
Award Letter - 12 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121940
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
Yes
1
XXXXX
No
No
0.211
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
48
48.56
48
48.56
48.56
48.56
No
Yes
Yes
XXXXX
Yes
360
Yes
Yes
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121921
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Second Home
Low Rise Condo (1-4)
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.289
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
15.33
15.22
15.33
15.22
15.22
15.22
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
31
Yes
FMNA 1005
31
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121922
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.19
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
41.2
41.2
41.2
41.2
41.2
41.2
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
Yes
Borrower
4
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Business Tax Return - 24 months;
CPA Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 4 months;
Personal Tax Return - 24 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121923
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
Detached PUD
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.186
Not Applicable
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
Yes
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
30.46
30.46
30.46
30.46
30.46
30.46
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
Yes
1
No
(No Data)
No
(No Data)
Yes
24
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
FMNA 1005
30
Yes
FMNA 1005
30
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121924
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.224
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
38.82
38.82
38.82
38.82
38.82
38.82
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121775
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.282
0.000
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
22.21
22.05
22.21
22.05
22.05
22.05
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
24
Yes
Independent Third Party (XXX, XXX etc)
24
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Written VOE - 24 months
Written VOE - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121776
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.119
0.000
(No Data)
(No Data)
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
28.82
28.82
28.82
28.82
28.82
28.82
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
30
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 30 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121777
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Rate and Term Refi
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0
Not Applicable
Yes
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
Not Applicable
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
34.63
34.45
34.63
34.45
34.45
34.45
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
12
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
1099 - 12 months;
Award Letter - 12 months;
Personal Bank Statement for Retirement Income - 1 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121903
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
(No Data)
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0.618
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.12
24.77
26.12
24.77
24.77
24.77
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
30
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
IRS Transcripts – W2(s) - 24 months;
Paystub - 30 months;
W2 - 24 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
121904
XXXXX
XXXXX
XXXXX
XXXXX
QM: Safe Harbor (APOR)
No
Present
QM: Safe Harbor (APOR)
XXXXX
U.S. Citizen
U.S. Citizen
(No Data)
Primary
SFR
XXXXX
Conventional
No
No
No
No
(No Data)
No
No
Purchase
No
No
No
No
No
(No Data)
(No Data)
No
No
1
XXXXX
Yes
Yes
0
0.000
No
No
No
No
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
No
Yes
Yes
Yes
No
No
(No Data)
(No Data)
(No Data)
(No Data)
Not Applicable
(No Data)
(No Data)
(No Data)
(No Data)
26.89
25.73
26.89
25.73
25.73
25.73
No
No
(No Data)
XXXXX
No
0
(No Data)
No
No
XXXXX
No
XXXXX
No
No
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
Yes
1
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
Independent Third Party (XXX, XXX etc)
31
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
(No Data)
No
No
No
(No Data)
No
(No Data)
(No Data)
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Yes
24
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
No
(No Data)
Paystub - 1 months;
Personal Bank Statements - 24 months;
W2 - 24 months;
Written VOE - 31 months
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)
(No Data)

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