|
Redaction ID
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Loan Program
|
Guideline Product Name
|
Originator Name
|
Originating Entity CDFI Flag
|
Guideline Name
|
Guideline Author
|
Guideline Date
|
Guideline Version
|
Application Date
|
TILA Status
|
TRID
|
GSE
|
Verified Safe Harbor Flag
|
Verified Safe Harbor Reference Document
|
QM Regulation Failures
|
ATR QM Total Points and Fees Audit
|
Loan Regulation Benchmark Date
|
Benchmark Rate
|
AUS Decision System
|
Rating Result
|
Property Inspection Waiver (PIW)
|
Calculated APR
|
HUD 1 Page 1 Credits Total
|
Verified Qualifying Rate
|
Originator Qualifying Rate
|
Qualifying P&I
|
Default Interest Rate Present
|
Default Interest Rate
|
Annual Property Tax
|
Monthly Property Tax
|
Annual Insurance Costs
|
Monthly Insurance Cost
|
Annual HOA Costs
|
Monthly HOA Costs
|
Monthly Other Costs
|
PITIA
|
Residual Income
|
HOA Questionnaire Flag
|
HOA Name
|
HOA Address State
|
HOA Fee Amount
|
HOA Next Due Date
|
HOA Payment Frequency
|
Originator DTI
|
TPR Verified DTI
|
QM DTI
|
Is Borrower Non Occupant
|
Is Co Borrower Non Occupant
|
Co Borrower 2 Asset Verification Level
|
Co Borrower 3 Asset Verification Level
|
Co Borrower 2 Income Verification Level
|
Co Borrower 3 Income Verification Level
|
Co Borrower 2 Employment Verification Level
|
Co Borrower 3 Employment Verification Level
|
Borrower Employment Indicator
|
Co Borrower Employment Indicator
|
Co Borrower 2 Employment Indicator
|
Co Borrower 3 Employment Indicator
|
Co Borrower 2 Length of Employment
|
Co Borrower 3 Length of Employment
|
Document Level
|
Borrower Years of W2s/1099
|
CoBorrower Years of W2s/1099
|
Borrower Months of Paystubs Verified
|
Co Borrower Months of Paystubs Verified
|
Borrower Employment Gap Letter
|
Borrower Months of Employment Gap
|
Co Borrower Employment Gap Letter
|
Co Borrower Months of Employment Gap
|
Borrower Years of Personal Tax Returns
|
Borrower Years of Business Tax Returns
|
CoBorrower Years of Personal Tax Returns
|
CoBorrower Years of Business Tax Returns
|
Years of 4506T
|
Years of Tax Transcripts
|
Borrower Award/Offer Letter
|
Co Borrower Award/Offer Letter
|
Asset Depletion Flag
|
Partial Asset Depletion Flag
|
Asset Depletion Months Amortized
|
Asset Utilization Flag (No DTI)
|
Borrower Bank Statements Flag
|
Borrower Bank Statement Summary/Lender Worksheet
|
Borrower Number of Personal Bank Statements
|
Borrower Number of Business Bank Statements
|
CoBorrower Bank Statements Flag
|
Co Borrower Bank Statement Summary/Lender Worksheet
|
CoBorrower Number of Personal Bank Statements
|
CoBorrower Number of Business Bank Statements
|
Percent of Income From Statements
|
Borrower Business Ownership %
|
CoBorrower Business Ownership %
|
Bespoke Eligible Assets
|
Borrower P&L Type
|
Borrower Number of Months P&L
|
Borrower P&L Prepared By
|
CoBorrower P&L Type
|
CoBorrower P&L Prepared By
|
CoBorrower Number of Months P&L
|
Borrower CPA Letter Flag
|
# of Months CPA verified income
|
CoBorrower CPA Letter Flag
|
CoBorrower # of Months CPA verified income
|
Borrower WVOE Flag
|
Borrower # of Months Employment Validated WVOE
|
Borrower # of Months Income Validated WVOE
|
Borrower WVOE Form Type
|
CoBorrower WVOE Flag
|
CoBorrower # of Months WVOE
|
CoBorrower # of Months Income Validated WVOE
|
CoBorrower WVOE Form Type
|
DSCR Flag
|
TPR DSCR
|
Originator DSCR
|
Expense Letter
|
Income Doc Detail
|
Tax Return Doc Details
|
Property Address
|
Property City
|
Property State
|
Property Zip
|
Property County
|
Original Credit Report Date
|
Borrower 1 Credit Report Date
|
Borrower 2 Credit Report Date
|
Borrower 3 Credit Report Date
|
Borrower 4 Credit Report Date
|
Qualifying Credit Score
|
Third Wage Earner Original FICO Equifax
|
Third Wage Earner Original FICO Experian
|
Third Wage Earner Original FICO Transunion
|
Fourth Wage Earner Original FICO Equifax
|
Fourth Wage Earner Original FICO Experian
|
Fourth Wage Earner Original FICO Transunion
|
Most Recent Co Borrower 2 FICO
|
Most Recent Co Borrower 3 FICO
|
Updated Credit Report Flag
|
Updated Credit Report Date
|
Updated FICO Method
|
Primary Wage Earner Updated FICO Equifax
|
Primary Wage Earner Updated FICO Experian
|
Primary Wage Earner Updated FICO Transunion
|
Secondary Wage Earner Updated FICO Equifax
|
Secondary Wage Earner Updated FICO Experian
|
Secondary Wage Earner Updated FICO Transunion
|
Third Wage Earner Updated FICO Equifax
|
Third Wage Earner Updated FICO Experian
|
Third Wage Earner Updated FICO Transunion
|
Fourth Wage Earner Updated FICO Equifax
|
Fourth Wage Earner Updated FICO Experian
|
Fourth Wage Earner Updated FICO Transunion
|
Updated Primary Borrower FICO
|
Updated Co Borrower FICO
|
Updated Co Borrower 2 FICO
|
Updated Co Borrower 3 FICO
|
Updated Qualifying FICO
|
Most Recent Bankruptcy Type
|
Most Recent Bankruptcy Filing Date
|
Most Recent Bankruptcy Discharge Date
|
Number of Bankruptcy Events
|
Months Bankruptcy 7 11
|
Months Bankruptcy 13
|
Most Recent Deed in Lieu Date
|
Number of Deed in Lieu Events
|
Months Deed in Lieu
|
Most Recent Short Sale Date
|
Number of Short Sale Events
|
Months Short Sale (or Pre FC)
|
Most Recent Foreclosure Date
|
Number of Foreclosure Events
|
Months Foreclosure
|
Prior Mortgage/Rent Lates 30d in 0-12m
|
Prior Mortgage/Rent Lates 60d in 0-12m
|
Prior Mortgage/Rent Lates 90d in 0-12m
|
Prior Mortgage/Rent Lates 120d+ in 0-12m
|
Prior Mortgage/Rent Lates 30d in 13-24m
|
Prior Mortgage/Rent Lates 60d in 13-24m
|
Prior Mortgage/Rent Lates 90d in 13-24m
|
Prior Mortgage/Rent Lates 120d+ in 13-24m
|
Prior Mortgage/Rent Late 30d in 24m
|
Prior Mortgage/Rent Late 60d in 24m
|
Prior Mortgage/Rent Late 90d in 24m
|
Has ACH
|
Is Equity Shared Loan
|
Subordinate Lien Type
|
Subordinate Lien Max Draw Amount (HELOC)
|
Subordinate Lien 2 Type
|
Subordinate Lien 2 Max Draw Amount (HELOC)
|
Subordinate Lien 3 Type
|
Subordinate Lien 3 Max Draw Amount (HELOC)
|
Is Shared Appreciation Mortgage
|
ITIN Flag
|
Borrower Originator Citizenship Designation
|
Borrower Verified Citizenship Designation
|
Borrower Individual Tax Identification Number (ITIN)?
|
Borrower Photo Identification Type
|
Borrower Photo Identification Other Type
|
Borrower Photo ID State of Issuance
|
Borrower Photo ID Country of Issuance
|
Borrower Photo ID Expiration Date
|
Borrower Passport Country of Origin
|
Borrower Passport Expiration Date
|
Borrower Non-US Citizen Identification Document
|
Borrower Date of Resident Since/Valid Date
|
Borrower Non-US Document Expiration Date
|
Co Borrower Originator Citizenship Designation
|
Co Borrower Verified Citizenship Designation
|
Co Borrower Individual Tax Identification Number (ITIN)?
|
Co Borrower Photo Identification Type
|
Co Borrower Photo Identification Other Type
|
Co Borrower Photo ID State of Issuance
|
Co Borrower Photo ID Country of Issuance
|
Co Borrower Photo ID Expiration Date
|
Co Borrower Passport Country of Origin
|
Co Borrower Passport Expiration Date
|
Co Borrower Non-US Citizen Identification Document
|
Co Borrower Date of Resident Since/Valid Date
|
Co Borrower Non-US Document Expiration Date
|
Co Borrower 2 Originator Citizenship Designation
|
Co Borrower 2 Verified Citizenship Designation
|
Co Borrower 2 Individual Tax Identification Number (ITIN)?
|
Co Borrower 2 Photo Identification Type
|
Co Borrower 2 Photo Identification Other Type
|
Co Borrower 2 Photo ID State of Issuance
|
Co Borrower 2 Photo ID Country of Issuance
|
Co Borrower 2 Photo ID Expiration Date
|
Co Borrower 2 Passport Country of Origin
|
Co Borrower 2 Passport Expiration Date
|
Co Borrower 2 Non-US Citizen Identification Document
|
Co Borrower 2 Date of Resident Since/Valid Date
|
Co Borrower 2 Non-US Document Expiration Date
|
Co Borrower 3 Originator Citizenship Designation
|
Co Borrower 3 Verified Citizenship Designation
|
Co Borrower 3 Individual Tax Identification Number (ITIN)?
|
Co Borrower 3 Photo Identification Type
|
Co Borrower 3 Photo Identification Other Type
|
Co Borrower 3 Photo ID State of Issuance
|
Co Borrower 3 Photo ID Country of Issuance
|
Co Borrower 3 Photo ID Expiration Date
|
Co Borrower 3 Passport Country of Origin
|
Co Borrower 3 Passport Expiration Date
|
Co Borrower 3 Non-US Citizen Identification Document
|
Co Borrower 3 Date of Resident Since/Valid Date
|
Co Borrower 3 Non-US Document Expiration Date
|
Property Rights
|
Leasehold Lease Expiration Date
|
Buydown Flag
|
Assumable Mortgage Flag
|
Foreign National Alternative Credit Documentation
|
Liquid / Cash Reserves (ASF)
|
Months Liquid Reserves
|
Total Assets Available for Reserves
|
Months Reserves
|
Blanket Mortgage Flag
|
Qualifying HCLTV
|
Condo Warrantability Flag
|
E-Note Flag
|
O&E in lieu of Title Insurance
|
Business Purpose Flag
|
Borrower Note Executed As
|
Co Borrower Note Executed As
|
Co Borrower 2 Note Executed As
|
Co Borrower 3 Note Executed As
|
Borrower 1 Trust Name
|
Borrower 2 Trust Name
|
Borrower 3 Trust Name
|
Borrower 4 Trust Name
|
Delayed Financing Flag
|
Title Company Name
|
Settlement Agent Company
|
Neighborhood Location
|
Gift Funds
|
Gift Funds Percentage of Total Funds Required
|
|
264597
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
12/20/2023
|
5
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
4650
|
01/29/2024
|
6.650%
|
Manual Underwriting
|
Manual Underwriting
|
No
|
XX.XX%
|
7.500%
|
0.000%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$765.96
|
$63.83
|
$0.00
|
$0.00
|
$0.00
|
$2,352.66
|
$3,645.34
|
N/A
|
$0.00
|
40.73%
|
40.73%
|
40.73%
|
No
|
Employed
|
Written Verification of Employment
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
0
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
Yes
|
24
|
24
|
FNMA 1005
|
0
|
No
|
0
|
N/A
|
Borrower - Wage - Written VOE Verified - 2023, 2022, 2021
|
Borrower - 2023, 2022, 2021
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
01/XX/2024
|
01/XX/2024
|
762
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
0.0
|
XXXX
|
16.4
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
267774
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/29/2024
|
1
|
XXXX
|
Non-QM: Lender documented all ATR UW factors
|
Yes
|
No
|
No
|
N/A
|
QM Points and Fees Exceeded
|
7871.13
|
03/04/2024
|
6.920%
|
Manual Underwriting
|
Manual Underwriting
|
No
|
XX.XX%
|
7.500%
|
7.500%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,090.96
|
$257.58
|
$4,380.00
|
$365.00
|
$0.00
|
$3,301.20
|
$8,395.18
|
N/A
|
XXXX
|
XX
|
$365.00
|
Monthly
|
31.68%
|
34.30%
|
34.30%
|
Yes
|
Self-Employed
|
1YR Business P&L
|
0
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
Yes
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
100.00%
|
Proceeds from Sale
|
Third-Party Prepared (Unaudited)
|
13
|
CPA
|
N/A
|
N/A
|
0
|
Yes
|
24
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024
|
Borrower - 2023, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
02/XX/2024
|
02/XX/2024
|
755
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
46.3
|
XXXX
|
46.3
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
512504
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
07/17/2024
|
9
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
2490
|
01/20/2025
|
7.070%
|
No
|
XX.XX%
|
7.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,150.04
|
$179.17
|
$2,220.00
|
$185.00
|
$0.00
|
$5,176.19
|
$6,601.53
|
N/A
|
XXXX
|
XX
|
$185.00
|
02/01/2025
|
Monthly
|
0.00%
|
44.99%
|
44.99%
|
No
|
Employed
|
Written Verification of Employment
|
0
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
31
|
31
|
FNMA 1005
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025
|
Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
11/XX/2024
|
11/XX/2024
|
785
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
36.2
|
XXXX
|
36.2
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
574574
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/01/2025
|
10
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
5080
|
03/10/2025
|
6.620%
|
No
|
XX.XX%
|
7.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,745.80
|
$312.15
|
$2,700.00
|
$225.00
|
$0.00
|
$5,148.80
|
$18,552.55
|
N/A
|
XXXX
|
XX
|
$225.00
|
05/01/2025
|
Annually
|
0.00%
|
49.22%
|
49.22%
|
Yes
|
Yes
|
Employed
|
Not Employed
|
2YR Full Doc
|
2
|
0
|
1 Month
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
3
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
N/A
|
Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower
|
Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
02/XX/2025
|
02/XX/2025
|
02/XX/2025
|
736
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
4.1
|
XXXX
|
4.1
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
Rural
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
577578
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/01/2025
|
2
|
XXXX
|
Non-QM: Lender documented all ATR UW factors
|
Yes
|
No
|
No
|
N/A
|
QM Points and Fees Exceeded
|
12695
|
03/17/2025
|
6.650%
|
Manual Underwriting
|
No
|
XX.XX%
|
7.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$980.04
|
$81.67
|
$0.00
|
$0.00
|
$0.00
|
$3,516.06
|
$16,314.72
|
N/A
|
$0.00
|
0.00%
|
17.73%
|
17.73%
|
No
|
Self-Employed
|
1YR Business P&L
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
0
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
50.00%
|
Third-Party Prepared (Unaudited)
|
12
|
CPA
|
Yes
|
24
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025
|
Borrower - 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
01/XX/2025
|
01/XX/2025
|
711
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
Yes
|
N/A
|
XXXX
|
0.0
|
XXXX
|
45.3
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
580558
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/01/2025
|
10
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1200
|
03/10/2025
|
6.620%
|
No
|
XX.XX%
|
7.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$6,636.00
|
$553.00
|
$0.00
|
$0.00
|
$0.00
|
$4,880.27
|
$15,592.72
|
N/A
|
$0.00
|
0.00%
|
25.50%
|
25.50%
|
No
|
Self-Employed
|
12 Month Bank Statement
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
2
|
0
|
NA
|
No
|
No
|
0
|
No
|
Yes
|
Yes
|
0
|
12
|
No
|
0.00%
|
100.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025
|
Borrower - 2 YRS Executed 4506T Verified - 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
03/XX/2025
|
03/XX/2025
|
714
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
0.0
|
XXXX
|
21.2
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
592529
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/01/2025
|
10
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
3314.8
|
03/31/2025
|
6.650%
|
No
|
XX.XX%
|
7.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,856.20
|
$321.35
|
$480.00
|
$40.00
|
$0.00
|
$2,999.58
|
$9,347.53
|
N/A
|
XXXX
|
XX
|
$40.00
|
Annually
|
0.00%
|
33.34%
|
33.34%
|
No
|
Self-Employed
|
1YR Business P&L
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
100.00%
|
Audited
|
12
|
CPA
|
Yes
|
24
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025
|
Borrower - 3 YRS Executed 4506T Verified - 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
03/XX/2025
|
03/XX/2025
|
694
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
9.0
|
XXXX
|
9.0
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
598637
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/01/2025
|
10
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1395
|
04/21/2025
|
6.810%
|
No
|
XX.XX%
|
7.249%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,510.28
|
$209.19
|
$75.00
|
$6.25
|
$0.00
|
$2,392.69
|
$5,609.22
|
N/A
|
XXXX
|
XX
|
$6.25
|
Annually
|
0.00%
|
37.16%
|
37.16%
|
No
|
Self-Employed
|
1YR Business P&L
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
100.00%
|
Third-Party Prepared (Unaudited)
|
12
|
PTIN
|
Yes
|
24
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T
Verified - 2024, 2025
|
Borrower - 3 YRS Executed 4506T Verified - 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
03/XX/2025
|
03/XX/2025
|
801
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
5.3
|
XXXX
|
5.3
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
615687
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
05/07/2025
|
11
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
6985
|
05/05/2025
|
6.740%
|
No
|
XX.XX%
|
7.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,464.00
|
$122.00
|
$18,384.00
|
$1,532.00
|
$0.00
|
$5,293.02
|
$33,425.01
|
Yes
|
XXXX
|
XX
|
$1,532.00
|
Monthly
|
0.00%
|
16.29%
|
16.29%
|
No
|
No
|
Self-Employed
|
Not Employed
|
12 Month Bank Statement
|
0
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
3
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
Yes
|
Yes
|
0
|
12
|
No
|
N/A
|
0
|
0
|
100.00%
|
90.00%
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
Yes
|
300
|
No
|
0
|
NA
|
0
|
0
|
N/A
|
NA
|
0
|
0
|
N/A
|
No
|
0
|
Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower
|
Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
02/XX/2025
|
02/XX/2025
|
02/XX/2025
|
686
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
184.7
|
XXXX
|
184.7
|
No
|
XX.XX
|
No
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
658404
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
05/07/2025
|
11
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1390
|
05/19/2025
|
6.870%
|
No
|
XX.XX%
|
7.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,723.04
|
$226.92
|
$0.00
|
$0.00
|
$0.00
|
$6,023.87
|
$35,615.81
|
N/A
|
$0.00
|
0.00%
|
20.01%
|
20.01%
|
No
|
Self-Employed
|
12 Month Bank Statement
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
0
|
0
|
NA
|
No
|
No
|
0
|
No
|
Yes
|
Yes
|
0
|
12
|
No
|
100.00%
|
100.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024
|
Borrower - 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/XX/2025
|
04/XX/2025
|
756
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
46.2
|
XXXX
|
46.2
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
661075
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
01/01/2025
|
1 1 2025
|
XXXX
|
Non-QM: Lender documented all ATR UW factors
|
Yes
|
No
|
No
|
N/A
|
QM Points and Fees Exceeded
|
21137.5
|
06/16/2025
|
6.890%
|
No
|
XX.XX%
|
7.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,856.04
|
$154.67
|
$0.00
|
$0.00
|
$0.00
|
$4,968.86
|
$17,310.89
|
N/A
|
$0.00
|
0.00%
|
42.44%
|
42.44%
|
No
|
Self-Employed
|
1YR Business P&L
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
0
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
100.00%
|
Third-Party Prepared (Unaudited)
|
16
|
CPA
|
Yes
|
180
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO
Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024
|
Borrower - 2023, 2024
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/XX/2025
|
05/XX/2025
|
815
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
0.0
|
XXXX
|
124.9
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
669578
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
05/07/2025
|
11
|
XXXX
|
Non-QM: Lender documented all ATR UW factors
|
Yes
|
No
|
No
|
N/A
|
Interest Only
|
10040
|
06/16/2025
|
6.890%
|
No
|
XX.XX%
|
7.125%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,883.04
|
$156.92
|
$0.00
|
$0.00
|
$0.00
|
$2,503.82
|
$2,734.51
|
N/A
|
$0.00
|
0.00%
|
48.10%
|
43.54%
|
No
|
Self-Employed
|
1YR Business P&L
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
0
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
100.00%
|
Third-Party Prepared (Unaudited)
|
12
|
CPA
|
Yes
|
24
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025
|
Borrower - 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/XX/2025
|
06/XX/2025
|
736
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
0.0
|
XXXX
|
70.5
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
685755
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/01/2025
|
2
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
3725
|
06/16/2025
|
6.890%
|
No
|
XX.XX%
|
7.490%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$3,661.68
|
$305.14
|
$0.00
|
$0.00
|
$0.00
|
$4,537.36
|
$22,709.21
|
N/A
|
$0.00
|
0.00%
|
20.41%
|
20.41%
|
Yes
|
Yes
|
Employed
|
Employed
|
2YR Full Doc
|
0
|
0
|
NA
|
NA
|
N/A
|
0
|
N/A
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
NA
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
N/A
|
0
|
0
|
0.00%
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
N/A
|
N/A
|
0
|
NA
|
0
|
No
|
0
|
Yes
|
24
|
24
|
Work Number
|
Yes
|
24
|
24
|
Work Number
|
No
|
0
|
Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower -
Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025
|
Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
06/XX/2025
|
06/XX/2025
|
06/XX/2025
|
762
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
31.1
|
XXXX
|
31.1
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
Borrower As Individual
|
N/A
|
N/A
|
No
|
Rural
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
700638
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
05/07/2025
|
11
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
9237.5
|
07/14/2025
|
6.750%
|
No
|
XX.XX%
|
7.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$4,634.88
|
$386.24
|
$0.00
|
$0.00
|
$0.00
|
$5,534.93
|
$9,312.53
|
N/A
|
$0.00
|
0.00%
|
37.95%
|
37.95%
|
No
|
Self-Employed
|
2YR Business P&L
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
0
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
100.00%
|
Third-Party Prepared (Unaudited)
|
24
|
CPA
|
Yes
|
48
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025
|
Borrower - 2023, 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
07/XX/2025
|
07/XX/2025
|
720
|
No
|
NA
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
8.1
|
XXXX
|
8.1
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
711686
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/03/2025
|
2
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
9850.6
|
04/07/2025
|
6.620%
|
No
|
XX.XX%
|
7.375%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$2,077.56
|
$173.13
|
$0.00
|
$0.00
|
$0.00
|
$5,796.22
|
$26,316.30
|
N/A
|
$0.00
|
0.00%
|
23.43%
|
23.43%
|
No
|
Not Employed
|
Asset Depletion – Debt Ratio Calculation
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
0
|
0
|
NA
|
Yes
|
No
|
84.0
|
No
|
Yes
|
N/A
|
4
|
0
|
No
|
0.00%
|
0.00%
|
Stocks/Bonds
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) -
Personal Bank Statements Verified
|
Borrower
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
04/XX/2025
|
04/XX/2025
|
806
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
600.8
|
XXXX
|
600.8
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
722527
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
05/07/2025
|
11
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
2102
|
07/28/2025
|
6.750%
|
No
|
XX.XX%
|
7.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,959.00
|
$163.25
|
$549.96
|
$45.83
|
$0.00
|
$3,983.50
|
$5,266.77
|
N/A
|
XXXX
|
XX
|
$45.83
|
Annually
|
0.00%
|
49.76%
|
49.76%
|
No
|
Self-Employed
|
1YR Business P&L
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
3
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
100.00%
|
Third-Party Prepared (Unaudited)
|
12
|
CPA
|
Yes
|
24
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T
Verified - 2024, 2025
|
Borrower - 3 YRS Executed 4506T Verified - 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
05/XX/2025
|
05/XX/2025
|
802
|
No
|
NA
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
5.9
|
XXXX
|
9.5
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|
94.74
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
752541
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
02/01/2025
|
2
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
1499
|
07/28/2025
|
6.750%
|
No
|
XX.XX%
|
7.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,947.00
|
$162.25
|
$200.04
|
$16.67
|
$0.00
|
$1,411.72
|
$5,331.90
|
N/A
|
XXXX
|
XX
|
$16.67
|
10/01/2025
|
Annually
|
0.00%
|
36.53%
|
36.53%
|
Yes
|
Employed
|
2YR Full Doc
|
2
|
1 Month
|
N/A
|
0
|
0
|
0
|
2
|
0
|
Yes
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
0.00%
|
N/A
|
0
|
N/A
|
NA
|
0
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Award Letter Verified -
2023, 2024, 2025
|
Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
08/XX/2025
|
08/XX/2025
|
730
|
No
|
NA
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
US Citizen
|
US Citizen
|
N/A
|
XXXX
|
N/A
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
13.7
|
XXXX
|
13.7
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Rural
|
No
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
778313
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
No
|
XXXX
|
XXXX
|
05/07/2025
|
11
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
Yes
|
No
|
No
|
N/A
|
N/A
|
3000
|
09/01/2025
|
6.570%
|
No
|
XX.XX%
|
7.250%
|
XXXX
|
No
|
XXXX
|
XXXX
|
$1,617.96
|
$134.83
|
$2,292.00
|
$191.00
|
$0.00
|
$3,628.88
|
$5,728.46
|
N/A
|
XXXX
|
XX
|
$191.00
|
11/01/2025
|
Monthly
|
0.00%
|
42.21%
|
42.21%
|
No
|
Self-Employed
|
1YR Business P&L
|
0
|
NA
|
N/A
|
0
|
0
|
0
|
2
|
0
|
NA
|
No
|
No
|
0
|
No
|
No
|
N/A
|
0
|
0
|
No
|
0.00%
|
100.00%
|
Third-Party Prepared (Unaudited)
|
13
|
CPA
|
Yes
|
96
|
No
|
NA
|
0
|
0
|
N/A
|
0
|
No
|
0
|
N/A
|
Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025
|
Borrower - 2 YRS Executed 4506T Verified - 2024, 2025
|
XXXX
|
XXXX
|
XX
|
XXXX
|
XXXX
|
08/XX/2025
|
08/XX/2025
|
673
|
No
|
NA
|
0
|
0
|
0
|
0
|
Unknown
|
No
|
No
|
No
|
Permanent Resident Alien
|
Permanent Non-US Citizen
|
Employment Authorization Card
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
Fee Simple
|
No
|
No
|
N/A
|
XXXX
|
17.0
|
XXXX
|
17.0
|
No
|
XX.XX
|
N/A
|
No
|
No
|
No
|
Borrower As Individual
|
N/A
|
N/A
|
N/A
|
No
|
Suburban
|
No
|