UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

MFRA NQM DEPOSITOR, LLC

Check the appropriate box to indicate the filing obligation which this form is intended to satisfy:

☐

Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person to contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒

Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2)

Central Index Key Number of depositor: 0001803775

MFA 2022-NQM2 Trust
(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable):

Central Index Key Number of underwriter (if applicable): ________________

Bryan Wulfsohn, 212-207-6431

Name and telephone number, including area code, of the person to contact in connection with this filing

PART I: REPRESENTATION AND WARRANTY INFORMATION

Item 1.01

Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02

Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03

Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS

Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter

Not Applicable

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

MFRA NQM Depositor, llc

Date: May 18, 2022

/s/ Bryan Wulfsohn

Name: Bryan Wulfsohn

Title: Vice President

EXHIBIT INDEX

99.1	Canopy Financial Technology Partners, LLC (“Canopy”) Narrative
99.2	Canopy Supplemental Data Report
99.3	Canopy Rating Agency Grades Detail Report
99.4	Canopy Rating Agency Grades Summary Report
99.5	Canopy Valuation Report
99.6	Canopy ATR QM Report
99.7	Canopy Data Compare Report
99.8	Clayton Services LLC (“Clayton”) Narrative
99.9	Clayton Conditions Summary Report
99.10	Clayton Conditions Detail Report
99.11	Clayton Loan Grades Report
99.12	Clayton Loan Level Tape Compare
99.13	Clayton Non ATR QM Upload Report
99.14	Clayton RA ATR QM Data Report
99.15	Clayton Valuations Summary Report
99.16	Evolve Mortgage Services (“Evolve”) Narrative
99.17	Evolve Rating Agency Grades Report
99.18	Evolve Exception Detail Report
99.19	Evolve Valuation Report
99.20	Evolve Data Compare Report
99.21	Evolve QM ATR Data Report
99.22	Evolve Business Purpose Report
99.23	Infinity IPS, Inc. (“Infinity”) Narrative
99.24	Infinity Data Compare Report
99.25	Infinity Disposition and Comments Report
99.26	Infinity Individual Exception Report
99.27	Infinity Loan Level Exception Report
99.28	Infinity Rating Agency Grades Report
99.29	Infinity Valuation Report

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.1

Canopy Financial Technology Partners LLC

info@canopytpr.com | 720-371-8517 | www.canopytpr.com

Address: 128 S Tryon St, Floor 21, Charlotte, NC 28202

Description of Services

Canopy Financial Technology Partners, LLC (“Canopy”) performed certain due diligence services (the “Review) described below on Non-Agency Eligible Mortgage Loans (“Loans”) backed by residential properties originated or acquired by MFA Financial, Inc. (the “Client”) or its affiliated company. The Review was conducted from August 2021 to December 2021 via files imaged and provided by the Client for review.

The Review consisted of a population of One Hundred Sixty-Six (166) Loans with an aggregate principal balance of $99,893,595.

Loan Sampling

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

Data Integrity

Canopy performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the actual Loan File as captured by Canopy. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

All Borrower Total Income	Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No
Amortized Term	No tolerance
Application Date	No tolerance
ARM Lifetime Interest Rate Cap Maximum	No tolerance
Borrower 1 Citizen	No tolerance
Borrower 1 First Name	No tolerance
Borrower 1 Last Name	No tolerance
Borrower 1 Origination FICO	No tolerance
Borrower 1 Self Employed Flag	No tolerance
Borrower 2 Last Name	No tolerance
Borrower 2 Origination FICO	No tolerance
Borrower 2 Self-Employment Flag	No tolerance
Business Purpose Flag	No tolerance
Combined LTV	Apply 1% Tolerance if < 80%
DSCR	.25% tolerance
Escrow Flag	No tolerance
Final Reviewed QM Status	No tolerance
First Interest Rate Change Date	No tolerance

First Payment Date	No tolerance
Higher Priced Mortgage Loan (HPML) Flag	No tolerance
Initial Monthly P&I or IO Payment	No tolerance
Interest Only Flag	No tolerance
Lien Position	No tolerance
Loan Amount/Draw Amount	No tolerance
Loan Program	No tolerance
Loan Purpose	No tolerance
Margin (ARM Loan)	No tolerance
Maturity Date	No tolerance
Mortgage Origination Channel	No tolerance
Note Interest Only Term	No tolerance
Note Rate	No tolerance
Occupancy Type	No tolerance
Original Appraised Value	No tolerance
Original LTV	Apply 1% Tolerance if < 80%
Origination Date	No tolerance
Prepayment Penalty Term	No tolerance
Property City	No tolerance
Property Type	No tolerance
Property Zip Code	No tolerance
Qualifying FICO	No tolerance
Qualifying Total Debt Income Ratio	Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No
Sales Price	No tolerance

Credit Underwriting

Canopy reviewed each Loan File to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by the Client, including, as applicable, Ability to Repay (ATR) and Qualified Mortgage (QM) requirements. The Credit Qualification review consisted of the following:

Loan Attributes. To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

Assets and Reserves;

DTI;

DSCR;

Gross Income;

Housing history;

Lien Position;

Loan Purpose;

LTV/CLTV;

Monthly debt service;

Occupancy;

Property Type;

Qualifying PITI; and

Residual Income.

Credit Application: For the Credit Application (1003), Canopy verified whether

All known borrower-owned properties are disclosed on the REO Section;

Borrower(s) employment history ;

Citizenship and eligibility;

First time home buyer status ;

The application was signed by all borrowers; and

The application was substantially completed.

Credit History: Canopy verified:

A credit report or alternative credit history as applicable to loan type is present for each borrower;

Bankruptcy and foreclosure seasoning;

Capture the monthly consumer debt payments for use in the applicable DTI calculation;

Installment and revolving payment history;

Mortgage/rental payment history;

Note and research the Real Estate Owned, OFAC, and Fraud alerts;

Number of tradelines; and

Representative Credit Score and Methodology.

Employment and Income: Canopy determined whether all applicable supporting documentation as required by Seller’s Guidelines and Ability to Repay (“ATR”) when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller’s Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller’s Guidelines and ATR when applicable per above and may include:

Verbal or Written VOE’s;

Paystubs;

W-2 forms;

Tax returns;

Financial statements;

Award letters;

IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

Fraud Review: For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

Borrower identity:

Social Security inconsistencies

Borrower name variations

Employment:

Licensing – reviewed NMLS data for:

Mortgage lender/originator

Loan officer

Occupancy:

Borrower address history

Subject property ownership history

OFAC.

Asset Review: Canopy assessed whether the asset documentation required by the Seller’s Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller’s Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

Depository account statements;

Gift funds;

Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

Stock or security account statements; and/or

VOD’s.

Hazard/Flood insurance/Taxes: A review of the insurance present on the loan was performed by Canopy as follows:

Confirmed that the flood certification is for the correct borrower, property, lender and loan number and is a “Life of Loan” certification;

Confirmed that the mortgagee clause lists the lender’s name and “its successors and assigns;”

Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines;

For properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines;

Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and

Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

Automated Underwriting System Findings: N/A

Document Review

Canopy reviewed each Loan File and verified if the following documents, as applicable, were included in the file and if the data on these documents was consistent (where applicable):

Initial application (1003);

Final application (1003);

Note;

Mortgage/Deed of Trust;

Appraisal;

Sales Contract;

Title Commitment/Policy;

Junior Lien/Subordination Agreement;

Mortgage Insurance;

Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

Flood Certification;

Initial and Final Loan Estimate (LE);

Initial and Final and Closing Disclosure (CD);

Post-Consummation Closing Disclosure (PC-CD) [if applicable].

Business Purpose Validation

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act (“TILA”) [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

“Missing Document” to Cleared Exception: In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for “Business Purpose” Canopy assigned the file a “D” grade for missing said documentation. In the event

that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the “primary purpose” of the loan as “business purpose” the “D” grade – “Missing Document”, was cleared by Canopy.

“Missing Document” to “B” Grade: In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for “Business Purpose”, Canopy gave the file a “D” grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the “D” grade – “Missing Document” initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a “B” grade final finding.

“Material Compliance Violation”: In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the “primary purpose” of the loan was not in fact for “business purpose” as relied upon by the lender, but is in fact for a “consumer purpose”. If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the “primary purpose” of the loan is not “business purpose” and as “consumer purpose” subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a “C” grade.

“Material Compliance Violation” to “B” Grade: The above noted Material Compliance Violation was re-graded to a “B” grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a “B” grade final finding.

Compliance Review

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy’ review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i)

Anti-Predatory Lending requirements, that are imposed by federal, state and/or local statutory, regulatory or authoritative determinations (e.g. state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including HOEPA and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in TILA;

(ii)

the Truth in Lending Act (“TILA”), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(iii)

the Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

(iv)

the Equal Credit Opportunity Act (“ECOA”) , 15 U.S.C. §1691 as implemented by Regulation B, 12 C.F.R. §1001.1(b);

Compliance Documentation Requirements

Review of the following documents as they related to regulatory compliance:

Initial and final application (1003)

ii.

Note, including all addendums

iii.

Copy of note for any junior liens (if applicable)

iv.

Mortgage / Deed of Trust, including all riders

Initial, Interim, and Final Loan Estimates (“LE”)

vi.

Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

vii.

Notice of Right to Cancel (as applicable)

viii.

Rate Lock Date Information;

ix.

HOEPA Disclosures (if applicable)

Initial Escrow Account Disclosure

II.

Anti-Predatory Lending (Assignee Liability)

Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

III.

Compliance Testing Elements

Truth-in-Lending Act (TILA) / Regulation Z: Loans were reviewed to determine compliance with the following requirements of TILA and Regulation Z, including, but not limited to, the following:

TILA/RESPA Integrated Disclosure Testing (“TRID”). A review and comparison of LEs and CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charge,

amount financed, recalculation of disclosed APR and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope (“TRID Grid 3.0” v.12/05/2019);

ii.

Right of Rescission. A review of the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

iii.

Qualified Mortgage and Ability to Repay. A review to ensure the mortgage loan meets the applicable Qualified Mortgage (“QM”) and Ability-to-Repay (“ATR”) requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

Real Estate Settlement Procedures Act (RESPA)/Regulation X: Review to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

Equal Credit Opportunity Act (ECOA)/Regulation B: Confirm compliance with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

Fair Credit Reporting Act (FRCA)/Regulation V: Confirm compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

Miscellaneous Compliance Testing:

Mandatory Arbitration – Canopy will report mandatory arbitration provisions present in the Loan File.

ii.

Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or debt cancellation agreements present in the Loan File.

iii.

TPR will test for state prepayment and late charge restrictions. If a prepayment penalty that exceeds the state permitted penalty has expired, this must be reported.

State & Local Anti-Predatory Requirements

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

California Anti-Predatory Lending (“Covered Loan”, Cal. Fin. Code § 4970 et seq.

California Higher-Priced Mortgage Loan (“CA HPML”), Cal. Fin. Code §4995 et seq.

Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

Massachusetts “Borrower’s Interest” Standard, M.G.L. Chapter 183, §28C.

Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

New York High-Cost Home Loan Regulations (1A - Original Part 41), 3 NYCCR Part 41 (2001).

New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

New York Subprime Home Loans, NY Bank. Law § 6-m.

North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) as amended.

Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

QUALIFIED MORTGAGE (QM)

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, Canopy reviews the loan to determine whether, based on available information in the Loan File the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

Ability to Repay (ATR)

Canopy reviews the loan to determine whether, based on available information in the Loan File, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator’s determination of the ability to repay.

Note: for loans designated as QM – Agency eligible (QM – Temporary), Canopy will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Canopy reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities

(“Authorities”). Canopy does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Canopy’s review is based on information contained in the Loan File at the time it is provided to Canopy to review, and only reflects information as of that point in time.

Valuation Review

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported (“Value-Supported Analysis”), based on the valuation provided by the Independent Third-party Review.

With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser’s license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

With respect to USPAP, Canopy confirmed the appraiser’s certification is present and executed within the original appraisal.

Independent third-party values

Canopy applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

Valuation Reconciliation Process:

If the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish value.

Agency Eligible Loans:

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review was required based on market acceptance of Agency Eligible Loans.

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

VALUATION RESULTS SUMMARY

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

Agency Eligible
# of Files – CU Score <= 2.5	# of Files – Eligible Rep & Warrant Relief	# of Files < -10% of OA valued (Desk Review)	# of Files => -10% of OA valued (Desk Review)
N/A	N/A	N/A	N/A

Chart is N/A as all Loan Files were Non-Agency

Non-Agency Eligible
Valuation Product	# of Files – No Hit	# of Files < -10% of OA value OR Confidence <= 80%	# of Files => -10% of OA value
Desk Review	N/A	0	116
AVM	N/A	0	56
Second Full Appraisal	N/A	0	9

Of the 166 Non-Agency Eligible loans reviewed:

116 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

6 Loan Files were noted with an AVM also supporting the original appraised value within a 10% variance.

9 Loan Files were noted with a Second Full Appraisal also supporting the original appraised value within a 10% variance.

56 Loan files were noted with an AVM supporting the original appraised value within a 10% variance.

6 Loan Files were noted with a Desk Review also supporting the original appraised value within a 10% variance.

9 Loan File was noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

9 Loan Files were noted with a Desk Review also supporting the original appraised value within a 10% variance.

GRADING COMPONENTS

Due Diligence Grading Criteria

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

Final Event Grade
A	Loan meets Credit, Compliance, and Valuation Guidelines.
B	The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines.
C	The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines.
D	Loan is missing documentation to perform a sufficient review.

Credit Event Grades
A	The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower’s willingness and ability to repay the loan is documented and reasonable.
B	The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower’s willingness and ability to repay the loan is documented and reasonable.
C	The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower’s willingness and ability to repay the loan were not documented or are unreasonable.
D	There was not sufficient documentation to perform a review or the credit file was not furnished.

Compliance Event Grades
A	The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties.

B	The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required.
C	The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents.
D	There was not sufficient documentation to perform a review or the required legal documents were not furnished.

Valuation Event Grade
A	The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms.
B	The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms.
C	The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below “average” condition or the property is not complete or requires significant repairs. The appraisal was not performed on an “as is” basis. The appraiser was not appropriately licensed or did not use GSE approved forms
D	The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

FINDINGS SUMMARY

Summary Overview

Canopy’s review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 1.20% (2 loans) have an overall grade of “B” and 98.80% (164 loans) have an overall grade of “A”.

Canopy’s review concluded a Credit grade of “B” for 0.60%, or one (1) mortgage loan reviewed, and 99.40% (165 loans) have a Credit grade of “A”.

Canopy’s review concluded a Compliance grade of “B” for 0.60%, or one (1) mortgage loan reviewed, and 99.40% (165 loans) have a Compliance grade of “A”.

Canopy’s review concluded a Property/Valuation grade of “B” for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (166 loans) have a Property/Valuation grade of “A”.

FINDINGS TABLE

REVIEW TABLES

OVERALL REVIEW RESULTS
Final Grade	Loan Count	% of Sample
A	164	98.80%
B	2	1.20%
C	0	0.00%
D	0	0.00%
Grand Total	166	100.00%

CREDIT REVIEW RESULTS
Final Grade	Loan Count	% of Sample
A	165	99.40%
B	1	0.60%
C	0	0.00%
D	0	0.00%
Grand Total	166	100.00%

PROPERTY REVIEW RESULTS
Final Grade	Loan Count	% of Sample
A	166	100.00%
B	0	0.00%
C	0	0.00%
D	0	0.00%
Grand Total	166	100.00%

COMPLIANCE REVIEW RESULTS
Final Grade	Loan Count	% of Sample
A	165	99.40%
B	1	0.60%
C	0	0.00%
D	0	0.00%
Grand Total	166	100.00%

Additional Loan Summary Details

Amortization Type	Loan Count	% of Loans	Original Balance
Fixed	152	91.57%	$90,624,395.00
ARM	14	8.43%	$9,269,200.00
Total	166	100.00%	$99,893,595.00

Lien Position	Loan Count	% of Loans	Original Balance
First	166	100.00%	$99,893,595.00
Second	0	0.00%	$0.00
Total	166	100.00%	$99,893,595.00

Loan Purpose	Loan Count	% of Loans	Original Balance
Cash Out: Debt Consolidation— Proceeds used to pay off existing loans other than loans secured by real estate.	0	0.00%	$0.00
Cash Out: Home Improvement/Renovation	3	1.81%	$1,069,250.00

Cash Out: Other/Multi-Purpose/Unknown Purpose	51	30.72%	$30,124,750.00
First Time Home Purchase	20	12.05%	$13,827,835.00
Other Than First Time Home Purchase	74	44.58%	$39,110,917.00
Rate/Term Refinance - Borrower Initiated	18	10.84%	$15,760,843.00
Total	166	100.00%	$99,893,595.00

Original Term	Loan Count	% of Loans	Original Balance
121 - 180 Months	0	0.00%	$0.00
181 - 240 Months	0	0.00%	$0.00
241 - 300 Months	0	0.00%	$0.00
301 - 360 Months	165	99.40%	$99,600,389.00
421 - 480 Months	1	0.60%	$293,206.00
Total	166	100.00%	$99,893,595.00

Occupancy	Loan Count	% of Loans	Original Balance
Owner Occupied	65	39.16%	$52,580,912.00
Second Home	1	0.60%	$1,480,000.00
Investment Property	100	60.24%	$45,832,683.00
Total	166	100.00%	$99,893,595.00

DATA COMPARISON RESULTS

Of the One Hundred Sixty-Six (166) mortgage Loan Files reviewed, eighteen (18) unique loans (10.84% by number) had two nineteen (19) tape comparison discrepancies across forty-two (42) data fields.

Field Label	Logic Applied	# Loans with Discrepancy	Total Times Compared	% Variance
All Borrower Total Income	Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No	0	166	0.00%
Amortized Term	No tolerance	0	166	0.00%
Application Date	No tolerance	5	166	3.01%
ARM Lifetime Interest Rate Cap Maximum	No tolerance	0	166	0.00%
Borrower 1 Citizen	No tolerance	1	166	0.60%
Borrower 1 First Name	No tolerance	0	166	0.00%
Borrower 1 Last Name	No tolerance	0	166	0.00%
Borrower 1 Origination FICO	No tolerance	0	166	0.00%
Borrower 1 Self Employed Flag	No tolerance	0	166	0.00%
Borrower 2 Last Name	No tolerance	0	166	0.00%
Borrower 2 Origination FICO	No tolerance	0	166	0.00%
Borrower 2 Self-Employment Flag	No tolerance	0	166	0.00%
Business Purpose Flag	No tolerance	0	166	0.00%
Combined LTV	Apply 1% Tolerance if < 80%	0	166	0.00%
DSCR	.25% tolerance	3	166	1.81%
Escrow Flag	No tolerance	0	166	0.00%
Final Reviewed QM Status	No tolerance	0	166	0.00%
First Interest Rate Change Date	No tolerance	0	166	0.00%
First Payment Date	No tolerance	0	166	0.00%
Higher Priced Mortgage Loan (HPML) Flag	No tolerance	0	166	0.00%
Initial Monthly P&I or IO Payment	No tolerance	0	166	0.00%
Interest Only Flag	No tolerance	0	166	0.00%
Lien Position	No tolerance	0	166	0.00%
Loan Amount/Draw Amount	No tolerance	1	166	0.60%
Loan Program	No tolerance	0	166	0.00%
Loan Purpose	No tolerance	0	166	0.00%
Margin (ARM Loan)	No tolerance	0	166	0.00%
Maturity Date	No tolerance	0	166	0.00%
Mortgage Origination Channel	No tolerance	0	166	0.00%
Note Interest Only Term	No tolerance	0	166	0.00%
Note Rate	No tolerance	0	166	0.00%
Occupancy Type	No tolerance	0	166	0.00%
Original Appraised Value	No tolerance	1	166	0.60%

Original LTV	Apply 1% Tolerance if < 80%	0	166	0.00%
Origination Date	No tolerance	0	166	0.00%
Prepayment Penalty Term	No tolerance	1	166	0.60%
Property City	No tolerance	0	166	0.00%
Property Type	No tolerance	3	166	1.81%
Property Zip Code	No tolerance	0	166	0.00%
Qualifying FICO	No tolerance	0	166	0.00%
Qualifying Total Debt Income Ratio	Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No	4	166	2.41%
Sales Price	No tolerance	0	166	0.00%

Disclaimer

Canopy Financial Technology Partners, LLC (“the Company”) performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).

Ratings, analysis, reports, and other opinions (referred to collectively as “Reports”) issued by the Company are provided “as is” and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the “author” of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.

Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.

The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.

Reports may contain assumptions and/or predictions regarding future events which are “forward-looking” and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report’s assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.2

Loan ID	Customer Loan ID	Seller Loan ID	TILA Status	Application Date	TRID	GSE	HOEPA Fees	TILA Fees	Rate Lock Date	Calculated APR	Qualifying P&I	Qualifying Rate	Is Borrower Non Occupant	Is Co Borrower Non Occupant	Borrower Employment Indicator	Co Borrower Employment Indicator	Co Borrower 2 Employment Indicator	Co Borrower 3 Employment Indicator	Co Borrower2 Length of Employment	Co Borrower3 Length of Employment	Borrower Citizenship Indicator	Co Borrower Citizenship Indicator	Co Borrower 2 Citizenship Indicator	Co Borrower 3 Citizenship Indicator	Borrower Country Name	Co Borrower Country Name	Co Borrower 2 Country Name	Co Borrower 3 Country Name	Residual Income	Num Units	Annual Property Tax	Annual Insurance Costs	HOA Name	HOA Address State	HOA Fee Amount	HOA Next Due Date	HOA Payment Frequency	Investor DTI	QM DTI	Non QM DTI	Original 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 Updated Credit Report Date	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	Most Recent Updated Co Borrower 2 FICO	Most Recent Updated Co Borrower 3 FICO	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	Asset Depletion Flag	Bank Statements Flag	Number of Statements	Type of Statements	Percent of Income From Statements	Borrower Business Ownership %	CoBorrower Business Ownership %	P&L Type	Income Doc Detail	Tax Return Doc Details	Document Level	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 Late 30d in 24m	Prior Mortgage/Rent Late 60d in 24m	Prior Mortgage/Rent Late 90d in 24m	Has ACH	Guideline Name	UW Guideline Author	QM Regulation Failures	ATR QM Total Points and Fees Audit	Loan Regulation Benchmark Date	Benchmark Rate	HUD 1 Page 1 Credits Total	Collateral Underwriter Risk Score	AUS Decision System	Property Inspection Waiver (PIW)	Rating Result	Eligible For Rep and Warrant Relief Per Collateral Advisor	Is Equity Shared Loan	Investor Qualifying Rate	Borrower Years of W2s	CoBorrower Years of W2s	Years of Personal Tax Returns	Years of Business Tax Returns	Years of 4506T	Years of Tax Transcripts	Months of Personal Bank Statements	Months of Business Bank Statements	Months of Profit and Loss Statements	Expense Letter	DSCR	Inverse DSCR	Subordinate Lien Type	Is Shared Appreciation Mortgage	CPA Letter Flag	# of Months CPA verified income	WVOE Flag	# of Months WVOE
60478			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,258.82	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$326.64	XXX	GA	$249.66	12/01/2021			0.00%	0.00%	08/09/2021	769							08/09/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.870	#N/A	N/A	No	NA		No
60499			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$5,776.21	4.500%	Yes		Not Employed						US Citizen				XXX					1	XXX	$19,530.72							0.00%	0.00%	09/10/2021	779							09/10/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.791	#N/A	N/A	No	NA		No
60516			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$688.57	4.750%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,008.00							0.00%	0.00%	09/22/2021	761							09/22/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.235	#N/A	N/A	No	NA		No
60545			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,343.93	5.375%	Yes	Yes	Not Employed	Not Employed	Not Employed				US Citizen		US Citizen		XXX	XXX	XXX			1	XXX	$1,167.96	XXX	TX	$254.83	12/01/2021			0.00%	0.00%	10/01/2021	769							10/01/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower \|\| Co Borrower 2	Borrower \|\| Co Borrower \|\| Co Borrower 2	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.990	#N/A	N/A	No	NA		No
60571			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,677.60	4.375%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,467.00	XXX	NC	$21.67	12/01/2021			0.00%	0.00%	10/14/2021	791							10/14/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.820	#N/A	N/A	No	NA		No
60573			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,692.85	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$2,466.96	XXX	TX	$56.25	12/01/2021			0.00%	0.00%	10/12/2021	802							10/12/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.220	#N/A	N/A	No	NA		No
60546			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$634.82	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,104.96							0.00%	0.00%	10/01/2021	797							10/01/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.530	#N/A	N/A	No	NA		No
60504			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,025.19	4.625%	Yes		Not Employed						Foreign National				XXX					1	XXX	$1,698.96	XXX	TX	$60.08	12/01/2021			0.00%	0.00%	09/15/2021								09/15/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.210		N/A	No	NA		No
60619			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,525.82	4.375%	Yes		Not Employed						US Citizen				XXX					1	XXX	$960.00	XXX	AZ	$42.00	12/01/2021			0.00%	0.00%	09/26/2021	769							09/26/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.115		N/A	No	NA		No
60537			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,114.40	4.625%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,038.96	XXX	FL	$258.00	12/01/2021			0.00%	0.00%	10/25/2021	732							10/25/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.520		N/A	No	NA		No
60464			ATR/QM: Not Applicable	XXX	Yes	No		$6,928.50	XXX	4.007%	$2,158.39	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$870.96							0.00%	0.00%	11/01/2021	796							11/01/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.610		N/A	No	NA		No
60491			ATR/QM: Not Applicable	XXX	Yes	No		$12,680.22	XXX	4.226%	$2,124.50	4.000%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,793.04	XXX	CA	$165.00	12/01/2021			0.00%	0.00%	08/30/2021	687							08/30/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.060		N/A	No	NA		No
60493			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,197.87	5.125%	Yes	Yes	Not Employed						US Citizen				XXX	XXX				2	XXX	$1,286.04							0.00%	0.00%	09/03/2021	779							09/03/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.540		N/A	No	NA		No
60625			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$3,755.86	4.750%	Yes		Not Employed						US Citizen				XXX					3	XXX	$1,974.00							0.00%	0.00%	10/20/2021	759							10/20/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.106		N/A	No	NA		No
60676			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,961.44	4.625%	Yes		Not Employed						US Citizen				XXX					1	XXX	$2,301.96	XXX	FL	$1,073.00	12/01/2021			0.00%	0.00%	10/29/2021	794							10/29/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.296		N/A	No	NA		No
60551			ATR/QM: Not Applicable	XXX	Yes	No		$4,326.50	XXX	4.710%	$836.03	4.500%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				4	XXX	$974.04							0.00%	0.00%	10/07/2021	740							10/07/2021															No	No	0		0.00%	0.00%			Borrower - Lease Agreements Verified \|\| Co Borrower - Lease Agreements Verified	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	2.320		N/A	No	NA		No
60620			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$829.50	3.875%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$1,209.00	XXX	AR	$12.50	12/01/2021			0.00%	0.00%	10/19/2021	768							10/19/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.530		N/A	No	NA		No
60630			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$894.35	4.250%	Yes		Not Employed						US Citizen				XXX					1	XXX	$992.04							0.00%	0.00%	10/21/2021	801							10/21/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.115		N/A	No	NA		No
60562			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	7931	$10,518.41	XXX	4.556%	$2,009.26	4.500%	No		Not Employed						US Citizen				XXX					1	XXX	$792.00							45.93%	45.93%	10/10/2021	770							10/10/2021															No	Yes	12	Personal	57.92%	100.00%			Borrower - SESoleProprietor, SSI and Disability, Retirement - CPA Letter Verified, Award Letter Verified, 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	7931	XXX	3.040%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	Yes	12	No
60592			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	6545	$7,246.72	XXX	4.443%	$1,609.87	4.250%	No	No	Self-Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$829.32							38.41%	38.41%	10/15/2021	769							10/15/2021															No	Yes	12	Personal	126.99%	100.00%			Borrower - 12 Personal Bank Statements Verified \|\| Co Borrower	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	6545	XXX	3.040%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60512			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	9625.5	$10,346.87	XXX	4.528%	$1,578.39	4.250%	No		Not Employed						US Citizen				XXX					1	XXX	$1,194.00	XXX	TX	$338.00	12/01/2021			20.93%	20.93%	10/22/2021	754							10/22/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	9625.5	XXX	2.910%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60523			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	5300	$0.00	XXX	5.512%	$1,170.67	5.250%	No	No	Employed	Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$2,313.96							36.53%	36.53%	09/24/2021	641							09/24/2021															No	No	0		0.00%	0.00%			Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified	Borrower \|\| Co Borrower	Full Doc	7	XXX	XXX	0	XXX			0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	5300	XXX	2.910%				No			No		2	2	0	0	0	0				N/A	0.000		N/A	No	NA		No
60535			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	6073.13	$6,815.57	XXX	4.939%	$985.86	4.625%	No		Not Employed						US Citizen				XXX					1	XXX	$1,415.04	XXX	AZ	$100.00	12/01/2021			38.61%	38.61%	09/27/2021	658							09/27/2021															No	Yes	12	Personal	74.72%	100.00%			Borrower - SESoleProprietor - 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	6073.13	XXX	2.930%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60544			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	10800	$25,343.38	XXX	5.611%	$2,750.86	5.375%	No	No	Retired	Retired					US Citizen	US Citizen			XXX	XXX				1	XXX	$1,515.00							39.98%	39.98%	10/02/2021	659							10/02/2021															No	No	0		0.00%	0.00%			Borrower - Retirement - Award Letter Verified \|\| Co Borrower - Retirement - Award Letter Verified	Borrower \|\| Co Borrower	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	10800	XXX	3.060%				No			No		0	0	2	0	0	0				N/A	0.000		N/A	No	NA		No
60543			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	59998.5	$61,342.48	XXX	5.911%	$11,512.84	5.625%	No		Not Employed						US Citizen				XXX					1	XXX	$5,390.16							36.33%	36.33%	10/01/2021	629							10/01/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	59998.5	XXX	3.060%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60471			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	14945	$17,277.08	XXX	5.993%	$8,074.49	5.875%	No	No	Self-Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$4,941.00	XXX	CA	$235.00	12/01/2021			25.83%	25.83%	10/07/2021	603							10/07/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified, null Business Bank Statements Verified \|\| Co Borrower	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	14945	XXX	3.040%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	Yes	12	No
60589			ATR/QM: Not Applicable	XXX	Yes	No		$4,309.73	XXX	3.974%	$1,604.68	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$382.08	XXX	CA	$404.00	12/01/2021			0.00%	0.00%	10/14/2021	812							10/14/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.770		N/A	No	NA		No
60608			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,210.86	3.875%	Yes		Not Employed						Permanent Resident Alien				XXX					1	XXX	$300.72	XXX	GA	$249.66	12/01/2021			0.00%	0.00%	10/17/2021	737							10/17/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.770		N/A	No	NA		No
60604			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,768.64	4.625%	Yes	Yes	Not Employed	Not Employed					Foreign National	Foreign National			XXX	XXX				1	XXX	$1,446.24	XXX	GA	$50.00	12/01/2021			0.00%	0.00%	08/12/2021								08/12/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.120		N/A	No	NA		No
60607			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,315.21	5.000%	Yes		Not Employed						Foreign National				XXX					1	XXX	$936.48	XXX	FL	$568.00	12/01/2021			0.00%	0.00%	10/28/2021								10/28/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.960		N/A	No	NA		No
60696			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$3,084.84	4.625%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				2	XXX	$3,549.72							0.00%	0.00%	10/28/2021	806							10/28/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.240		N/A	No	NA		No
60465			ATR/QM: Not Applicable	XXX	Yes	No		$6,846.75	XXX	4.623%	$2,110.34	4.500%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$2,799.84							0.00%	0.00%	09/14/2021	761							09/14/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.768		N/A	No	NA		No
60466			ATR/QM: Not Applicable	XXX	Yes	No		$3,629.50	XXX	4.651%	$1,028.57	4.500%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$2,040.84							0.00%	0.00%	09/14/2021	761							09/14/2021															No	No	0		0.00%	0.00%			Borrower - Other \|\| Co Borrower - Other	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.392		N/A	No	NA		No
60635			ATR/QM: Not Applicable	XXX	Yes	No		$588.13	XXX	4.543%	$4,788.18	4.500%	Yes		Not Employed						Permanent Resident Alien				XXX					1	XXX	$993.00	XXX	VA	$933.19	12/01/2021			0.00%	0.00%	10/25/2021	760							10/25/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.750		N/A	No	NA		No
60651			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,044.60	4.750%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,044.48	XXX	FL	$417.00	12/01/2021			0.00%	0.00%	10/28/2021	798							10/28/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.710		N/A	No	NA		No
60685			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,504.43	4.750%	Yes		Not Employed						US Citizen				XXX					1	XXX	$564.60	XXX	FL	$80.00	12/01/2021			0.00%	0.00%	11/03/2021	679							11/03/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.000		N/A	No	NA		No
60498			ATR/QM: Not Applicable	XXX	Yes	No		$6,248.62	XXX	4.074%	$694.59	3.749%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,605.00							0.00%	0.00%	09/02/2021	759							09/02/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.330		N/A	No	NA		No
60583			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$776.37	6.750%	Yes		Not Employed						Foreign National				XXX					1	XXX	$940.08	XXX	FL	$268.00	12/01/2021			0.00%	0.00%	10/31/2021								10/31/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.03		N/A	No	NA		No
60646			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,025.71	4.625%	Yes		Not Employed						Foreign National				XXX					1	XXX	$635.04							0.00%	0.00%	11/18/2021								11/18/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.332		N/A	No	NA		No
60680			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$3,886.15	4.999%	Yes		Not Employed						US Citizen				XXX					1	XXX	$5,850.00							0.00%	0.00%	10/29/2021	740							10/29/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.829		N/A	No	NA		No
60593			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,717.54	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$495.00							0.00%	0.00%	10/22/2021	783							10/22/2021															No	No	0		0.00%	0.00%			Borrower - Other - 1 Month Business Bank Statements Verified, Lease Agreements Verified	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.916		N/A	No	NA		No
60587			ATR/QM: Not Applicable	XXX	Yes	No		$4,907.30	XXX	4.062%	$1,105.06	3.875%	Yes	Yes	Not Employed	Not Employed					US Citizen				XXX					1	XXX	$576.96	XXX	NV	$50.00	12/01/2021			0.00%	0.00%	10/15/2021	801							10/15/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.429		N/A	No	NA		No
60623			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$609.63	5.250%	Yes	Yes	Not Employed						US Citizen				XXX					1	XXX	$903.96	XXX	FL	$130.00	12/01/2021			0.00%	0.00%	10/21/2021	754							10/21/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	2.136		N/A	No	NA		No
60639			ATR/QM: Not Applicable	XXX	Yes	No		$10,219.10	XXX	4.788%	$2,589.58	4.625%	Yes		Not Employed						US Citizen				XXX					1	XXX	$246.00	XXX	CA	$320.00	01/01/2022			0.00%	0.00%	10/27/2021	705							10/27/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.360		N/A	No	NA		No
60670			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$3,518.18	4.875%	Yes	Yes	Not Employed						US Citizen				XXX	XXX				1	XXX	$747.96							0.00%	0.00%	11/01/2021	786							11/01/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.697		N/A	No	NA		No
60476			ATR/QM: Not Applicable	XXX	Yes	No		$4,718.13	XXX	4.081%	$1,359.93	3.875%	Yes		Not Employed						Non Permanent Resident Alien				XXX					1	XXX	$1,131.60							0.00%	0.00%	10/29/2021	779							10/29/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.140		N/A	No	NA		No
60694			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,087.85	3.875%	Yes		Not Employed						Permanent Resident Alien				XXX					1	XXX	$1,311.96							0.00%	0.00%	11/03/2021	758							11/03/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.120		N/A	No	NA		No
60697			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$916.96	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$892.68							0.00%	0.00%	11/05/2021	802							11/05/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.690		N/A	No	NA		No
60710			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$4,480.08	4.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$913.20							0.00%	0.00%	11/09/2021	760							11/09/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.710		N/A	No	NA		No
60722			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,348.07	4.375%	Yes		Not Employed						US Citizen				XXX					1	XXX	$573.00	XXX	NV	$31.00	12/01/2021			0.00%	0.00%	11/15/2021	798							11/15/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.250		N/A	No	NA		No
60566			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$647.28	5.500%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$578.04	XXX	SC	$596.00	01/01/2022			0.00%	0.00%	10/11/2021	756							10/11/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.410		N/A	No	NA		No
60684			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,013.64	4.250%	Yes		Not Employed						Permanent Resident Alien				XXX					1	XXX	$908.04	XXX	TX	$16.67	01/01/2022			0.00%	0.00%	11/02/2021	732							11/02/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.380		N/A	No	NA		No
60691			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,239.43	4.750%	Yes		Not Employed						US Citizen				XXX					1	XXX	$3,336.00							0.00%	0.00%	11/04/2021	670							11/04/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.290		N/A	No	NA		No
60692			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$983.88	4.250%	Yes		Not Employed						US Citizen				XXX					1	XXX	$4,927.80	XXX	TX	$25.00	01/01/2022			0.00%	0.00%	11/02/2021	803							11/02/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.280		N/A	No	NA		No
60713			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,488.51	6.499%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$4,471.80	XXX	FL	$829.75	01/01/2022			0.00%	0.00%	11/09/2021	718							11/09/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.811		N/A	No	NA		No
60729			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	2270	$3,409.43	XXX	3.556%	$2,225.02	3.500%	No		Not Employed						US Citizen				XXX					1	XXX	$2,250.96	XXX	CA	$90.00	12/01/2021			27.23%	27.23%	10/27/2021	797							10/27/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - SESoleProprietor - 1 Month Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	2270	XXX	3.100%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60730			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$3,216.90	5.000%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,062.48							0.00%	0.00%	08/12/2021	746							08/12/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.819		N/A	No	NA		No
60632			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$882.09	6.750%	Yes	Yes	Not Employed						US Citizen				XXX	XXX				4	XXX	$816.00							0.00%	0.00%	10/23/2021	696							10/23/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	2.074		N/A	No	NA		No
60647			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,166.90	4.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,581.96	XXX	TX	$40.00	01/01/2022			0.00%	0.00%	10/26/2021	720							10/26/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.040		N/A	No	NA		No
60517			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	3300	$3,892.76	XXX	4.072%	$775.89	3.875%	No		Not Employed						US Citizen				XXX					1	XXX	$1,800.00							49.79%	49.79%	09/28/2021	710							09/28/2021															No	No	0		0.00%	0.00%			Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified	Borrower	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	3300	XXX	2.930%				No			No		2	0	0	0	0	0				N/A	0.000		N/A	No	NA		Yes	24
60712			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,511.66	5.250%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$840.00							0.00%	0.00%	11/09/2021	756							11/09/2021															No	No	0		0.00%	0.00%			Borrower - Other \|\| Co Borrower - Other	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.170		N/A	No	NA		No
60717			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$5,280.45	5.250%	Yes		Not Employed						US Citizen				XXX					1	XXX	$13,791.00							0.00%	0.00%	11/10/2021	681							11/10/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.584		N/A	No	NA		No
60720			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,215.14	4.499%	Yes	Yes	Employed	Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$179.04		UT	$436.00				0.00%	0.00%	11/11/2021	770							11/11/2021															No	No	0		0.00%	0.00%			Borrower - Other \|\| Co Borrower - Other	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.050		N/A	No	NA		No
60525			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	9230.08	$10,871.34	XXX	5.839%	$1,697.41	5.500%	No	No	Self-Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$963.00	XXX	FL	$54.00	01/01/2022			46.11%	46.11%	11/29/2021	673							11/29/2021															No	Yes	12	Business	100.00%	50.00%			Borrower - SEPartnership - 12 Business Bank Statements Verified \|\| Co Borrower - SEPartnership - 12 Business Bank Statements Verified	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	9230.08	XXX	2.910%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60590			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	33560	$37,216.67	XXX	3.521%	$3,289.92	3.125%	No		Not Employed						US Citizen				XXX					1	XXX	$8,965.68							20.24%	20.24%	10/17/2021	771							10/17/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	33560	XXX	3.040%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60609			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	1593.75	$2,723.47	XXX	5.330%	$704.06	5.250%	No		Not Employed						US Citizen				XXX					1	XXX	$2,567.04	XXX	NV	$335.00	01/01/2022			44.09%	44.09%	10/19/2021	780							10/19/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Qualifying DTI Exceeds 43%	1593.75	XXX	3.160%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60473			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	5694	$6,546.21	XXX	5.635%	$2,497.70	5.500%	No		Not Employed						US Citizen				XXX					1	XXX	$1,229.04							6.57%	6.57%	11/18/2021	673							11/18/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	5694	XXX	3.200%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60474			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	2795	$3,710.63	XXX	3.956%	$694.67	3.750%	No		Not Employed						US Citizen				XXX					1	XXX	$1,967.04	XXX	FL	$43.00	12/01/2021			24.71%	24.71%	10/21/2021	699							10/21/2021															No	Yes	12	Personal	106.70%	100.00%			Borrower - SESoleProprietor - 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	2795	XXX	3.140%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60640			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	4676.25	$6,006.60	XXX	3.529%	$1,378.23	3.375%	No		Not Employed						Permanent Resident Alien				XXX					1	XXX	$732.96	XXX	TX	$54.17	01/01/2022			20.60%	20.60%	10/26/2021	777							10/26/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	4676.25	XXX	3.140%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60666			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	6439.5	$6,874.31	XXX	3.950%	$1,325.44	3.750%	No	No	Self-Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$761.04	XXX	AZ	$60.00	12/01/2021			26.08%	26.08%	10/29/2021	737							10/29/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - 12 Business Bank Statements Verified \|\| Co Borrower	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	6439.5	XXX	3.200%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60663			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	11080	$617.03	XXX	3.259%	$2,411.04	3.250%	No		Not Employed						US Citizen				XXX					1	XXX	$922.20							50.04%	50.04%	10/29/2021	777							10/29/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - SESoleProprietor - 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	11080	XXX	3.140%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60695			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	6191.38	$6,349.25	XXX	4.938%	$915.43	4.625%	No	No	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$638.04							0.00%	0.00%	11/04/2021	745							11/04/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	6191.38	XXX	3.140%				No			No		0	0	0	0	0	0				N/A	0.000		N/A	No	NA		No
60714			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	10689.95	$16,157.42	XXX	4.841%	$3,668.22	4.750%	No		Not Employed						US Citizen				XXX					1	XXX	$980.16	XXX	CA	$325.00	01/01/2022			50.26%	50.26%	11/10/2021	771							11/10/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - SESoleProprietor - 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	10689.95	XXX	3.140%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60568			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	7065	$8,730.11	XXX	4.408%	$2,317.04	4.250%	No	No	Self-Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$1,115.04							30.47%	30.47%	10/13/2021	675							10/13/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	7065	XXX	3.040%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	Yes	36	No
60574			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	10400	$11,141.64	XXX	5.388%	$2,911.85	5.375%	No		Not Employed						US Citizen				XXX					1	XXX	$1,367.04							13.86%	13.86%	11/18/2021	805							11/18/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	10400	XXX	3.100%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60599			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	16835	$37,637.00	XXX	3.841%	$15,593.10	3.750%	No		Not Employed						US Citizen				XXX					1	XXX	$3,390.96	XXX	CA	$308.14	01/01/2022			2.54%	2.54%	10/05/2021	763							10/05/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	16835	XXX	3.100%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60711			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	11858.75	$16,509.88	XXX	3.943%	$3,261.49	3.750%	No		Not Employed						US Citizen				XXX					1	XXX	$1,413.96							30.49%	30.49%	11/09/2021	763							11/09/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	11858.75	XXX	3.140%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	Yes	24	No
60636			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	46200	$57,476.25	XXX	3.943%	$6,840.77	3.625%	No	No	Self-Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$5,283.00							38.16%	38.16%	10/26/2021	812							10/26/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - 12 Personal Bank Statements Verified \|\| Co Borrower	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	46200	XXX	3.140%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60661			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	5143.75	$5,478.98	XXX	3.910%	$1,215.68	3.750%	No		Not Employed						US Citizen				XXX					1	XXX	$1,777.32							30.45%	30.45%	10/29/2021	787							10/29/2021															No	Yes	12	Personal	115.10%	100.00%			Borrower - SESoleProprietor - 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	5143.75	XXX	3.140%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60650			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	13187.5	$16,560.13	XXX	4.131%	$5,036.12	3.999%	No		Not Employed						US Citizen				XXX					1	XXX	$13,215.00							7.36%	7.36%	10/11/2021	702							10/11/2021															No	Yes	12	Business	100.00%	50.00%			Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	13187.5	XXX	3.140%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	Yes	2	No
60553			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	14595	$17,934.38	XXX	4.674%	$4,596.73	4.500%	No		Not Employed						US Citizen				XXX					1	XXX	$3,567.96	XXX	AZ	$251.00	01/01/2022			18.57%	18.57%	10/08/2021	653							10/08/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement	7	XXX	XXX	1	XXX			0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	14595	XXX	0.000%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60594			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	9970.62	$10,896.80	XXX	3.960%	$1,996.03	3.750%	No		Not Employed						US Citizen				XXX					1	XXX	$840.00	XXX	ID	$35.00	01/01/2022			49.56%	49.56%	10/15/2021	777							10/15/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Qualifying DTI Exceeds 43%	9970.62	XXX	3.040%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60641			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	20000	$26,442.83	XXX	3.356%	$8,704.13	3.250%	No		Not Employed						US Citizen				XXX					1	XXX	$3,458.04							44.36%	44.36%	10/27/2021	787							10/27/2021															No	Yes	12	Business	100.19%	100.00%			Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	20000	XXX	3.140%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	Yes	124	No
60665			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	15000	$17,615.00	XXX	3.692%	$3,367.84	3.500%	No	No	Self-Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$3,237.96							45.96%	45.96%	10/29/2021	725							10/29/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Qualifying DTI Exceeds 43%	15000	XXX	3.140%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	Yes	12	No
60703			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	10070	$4,887.58	XXX	5.049%	$4,710.61	5.000%	No		Not Employed						US Citizen				XXX					1	XXX	$2,589.96							40.19%	40.19%	11/08/2021	789							11/08/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	10070	XXX	3.140%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	Yes	24	No
60715			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	9918	$12,082.79	XXX	3.984%	$1,996.72	3.750%	No		Not Employed						US Citizen				XXX					1	XXX	$844.08							10.28%	10.28%	11/12/2021	753							11/12/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	9918	XXX	3.140%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	Yes	24	No
60674			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,366.33	5.375%	Yes		Not Employed						US Citizen				XXX					1	XXX	$774.00							0.00%	0.00%	10/31/2021	758							10/31/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.910		N/A	No	NA		No
60682			ATR/QM: Not Applicable	XXX	Yes	No		$9,247.10	XXX	4.067%	$1,786.90	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$2,097.00							0.00%	0.00%	11/02/2021	784							11/02/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.370		N/A	No	NA		No
60601			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	9750	$14,395.83	XXX	4.218%	$6,300.45	4.125%	No	No	Self-Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$7,305.96							18.39%	18.39%	10/18/2021	691							10/18/2021															No	Yes	12	Business	93.36%	100.00%			Borrower - 12 Business Bank Statements Verified \|\| Co Borrower	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	9750	XXX	3.200%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60718			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	12732.5	$15,199.25	XXX	6.081%	$2,742.94	6.000%	No		Not Employed						US Citizen				XXX					1	XXX	$1,037.04							32.63%	32.63%	11/11/2021	676							11/11/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement	7	XXX	XXX	1	XXX			0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	12732.5	XXX	3.140%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60726			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,673.95	6.000%	Yes		Self-Employed	Employed					Permanent Resident Alien				XXX					1	XXX	$1,233.96		AZ	$598.00				0.00%	0.00%	11/18/2021	693							11/18/2021															No	No	0		0.00%	0.00%			Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.560		N/A	No	NA		No
60528			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	5615	$8,047.23	XXX	3.251%	$2,184.71	3.125%	No		Not Employed						US Citizen				XXX					1	XXX	$952.20							48.28%	48.28%	10/13/2021	767							10/13/2021															No	Yes	12	Personal	50.95%	100.00%			Borrower - SESoleProprietor - Separation Agreement Verified, 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	5615	XXX	2.930%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	NA		No
60548			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	11637	$15,303.87	XXX	3.834%	$2,516.72	3.625%	No		Not Employed						US Citizen				XXX					1	XXX	$1,514.04							20.85%	20.85%	10/04/2021	768							10/04/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - CPA Letter Verified, 24 Months Business Bank Statements Verified, Lease Agreements Verified, 1040 Schedule E Verified	Borrower - 1040 Schedule E Verified	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	11637	XXX	3.060%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	Yes	24	No
60570			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	8175	$15,423.91	XXX	4.366%	$2,641.34	4.125%	No		Not Employed						US Citizen				XXX					1	XXX	$1,743.96							24.50%	24.50%	09/27/2021	717							09/27/2021															No	Yes	12	Business	88.18%	50.00%			Borrower - SEPartnership - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	8175	XXX	3.040%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60605			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	10092.5	$10,949.83	XXX	6.285%	$2,200.35	6.000%	No	No	Employed	Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$687.12							36.11%	36.11%	09/03/2021	648							09/03/2021															No	No	0		0.00%				Borrower - Wage - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified	Borrower - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified	Full Doc				0				0			0			0						XXX	XXX	Appendix Q Documentation	10092.5	XXX	3.100%				No			No		0	2	2	0	0	0				N/A	0.000		N/A	No	NA		No
60678			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	10502.75	$12,520.73	XXX	4.165%	$3,026.10	4.000%	No		Not Employed						US Citizen				XXX					1	XXX	$5,732.88							0.00%	0.00%	11/01/2021	791							11/01/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	10502.75	XXX	3.200%				No			No		0	0	0	0	0	0				N/A	0.000		N/A	No	NA		No
60709			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	10045	$12,149.17	XXX	3.894%	$3,241.81	3.750%	No		Not Employed						US Citizen				XXX					1	XXX	$9,426.96							7.31%	7.31%	11/10/2021	726							11/10/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	10045	XXX	3.140%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	NA		No
60728			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	12400	$14,895.08	XXX	5.092%	$3,281.09	4.875%	No		Not Employed						US Citizen				XXX					1	XXX	$1,343.76		NV	$77.00	02/01/2022			9.72%	9.72%	11/03/2021	682							11/03/2021															No	Yes	12	Business	101.66%	100.00%			Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	12400	XXX	3.160%				No			No		0	0	0	0	0	0		12		N/A	0.000		N/A	No	Yes	60	No
60675			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	7799	$8,538.75	XXX	4.330%	$1,744.74	4.125%	No	No	Self-Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$846.00		NV	$78.00				32.10%	32.10%	11/01/2021	763							11/01/2021															No	Yes	12	Personal	100.00%	100.00%			Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	7799	XXX	3.200%				No			No		0	0	0	0	0	0	12			N/A	0.000		N/A	No	Yes	24	No
60704			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,634.54	5.500%	Yes		Not Employed						US Citizen				XXX					1	XXX	$4,923.00		FL	$399.00				0.00%	0.00%	11/05/2021	759							11/05/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	0.720		N/A	No	NA		No
60706			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$886.40	3.875%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,623.96	XXX	OK	$13.33	02/01/2022			0.00%	0.00%	11/08/2021	731							11/08/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				N/A	1.570		N/A	No	NA		No
51253			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	12795	$4,891.11	XXX	4.66%	$5,758.36	4.63%	No		Self-Employed						US Citizen				XXX					1	XXX	$1,650.96							27.42%	27.42%	06/25/2021	752							06/25/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - SECorporation - 12 Business Bank Statements Verified		12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation							No			No		0	0	0	0	0	0		12		No	0			No	NA		No
60733			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	4316	$5,479.98	XXX	3.444%	$2,959.97	3.375%	No	No	Not Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$1,637.04							46.77%	46.77%	09/28/2021	773							09/28/2021															No	No	0		0.00%				Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1 Month Personal Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified	Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	4316	XXX	2.930%				No			No		2	2	2	0	3	2					0.000		N/A	No	NA		No	24
60855			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	13475.69	$6,825.73	XXX	4.694%	$1,542.94	4.500%	No		Self-Employed						US Citizen				XXX					1	XXX	$735.00		MI	$33.33				15.76%	15.76%	09/08/2021	762							09/08/2021															No	Yes	12	Business	100.00%				Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	13475.69	XXX	2.920%				No			No		0	0	0	0	0	0		12			0.000		N/A	No	NA		No
60819			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$896.43	6.048%	Yes		Not Employed						US Citizen				XXX					1	XXX	$981.96	XXX	TX	$90.00				0.00%	0.00%	08/11/2021	745							08/11/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.050		N/A	No	NA		No
60823			ATR/QM: Not Applicable	XXX	Yes	No	36950.47	$33,503.34	XXX	5.157%	$6,878.13	5.000%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				4	XXX	$2,666.16							0.00%	0.00%	11/02/2021	733							11/02/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		1	0	0		XXX	XXX		36950.47	XXX	2.930%				No			No		0	0	0	0	0	0					1.050		N/A	No	NA		No
60732			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	2476.08	$3,605.28	XXX	3.202%	$1,749.37	3.125%	No		Self-Employed						US Citizen				XXX					1	XXX	$4,298.28							29.62%	29.62%	09/09/2021	780							09/09/2021															No	No	0		0.00%			Borrower Prepared	Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified	Full Doc				0				0			0			0		1	0	0		XXX	XXX	Interest Only	2476.08	XXX	3.140%				No			No		2	0	2	2	3	1			10		0.000		N/A	No	NA		No
60840			ATR/QM: Not Applicable	XXX	Yes	No	7583.75	$8,819.75	XXX	5.435%	$2,007.61	6.050%	Yes		Employed						US Citizen				XXX					1	XXX	$570.00							0.00%	0.00%	10/28/2021	711							10/28/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX		7583.75	XXX	3.060%				No			No		0	0	0	0	0	0					1.103		N/A	No	NA		No
60822			ATR/QM: Not Applicable	XXX	Yes	No		$25,520.09	XXX		$5,781.25	5.000%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				4	XXX	$2,147.16							0.00%	0.00%	11/02/2021	733							11/02/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.243		N/A	No	NA		No
60742			ATR/QM: Not Applicable	XXX	Yes	No		$4,859.23	XXX		$1,135.01	4.350%	Yes		Not Employed						US Citizen				XXX					1	XXX	$542.04							0.00%	0.00%	08/24/2021	794							08/24/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.010		N/A	No	NA		No
60748			ATR/QM: Not Applicable	XXX	Yes	No		$5,518.81	XXX		$1,325.42	4.350%	Yes		Employed						US Citizen				XXX					1	XXX	$558.00							0.00%	0.00%	08/24/2021	794							08/24/2021															No	No	0		0.00%				Borrower - Other - 3 YRS Executed 4506T Verified	Borrower - 3 YRS Executed 4506T Verified	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	3	0					1.380		N/A	No	NA		No
60749			ATR/QM: Not Applicable	XXX	Yes	No	3285.69	$13,178.10	XXX	4.548%	$952.07	4.350%	Yes		Employed						US Citizen				XXX					1	XXX	$689.04							0.00%	0.00%	08/24/2021	794							08/24/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX		3285.69	XXX	2.910%				No			No		0	0	0	0	0	0					1.120		N/A	No	NA		No
60821			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	24255	$29,561.16	XXX	3.624%	$9,511.34	3.500%	No		Self-Employed						US Citizen				XXX					1	XXX	$2,619.12		CA	$490.00				36.18%	36.18%	10/14/2021	743							10/14/2021															No	Yes	12	Business	100.00%				Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, 12 Business Bank Statements Verified, Lease Agreements Verified	Borrower - 3 YRS Executed 4506T Verified	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	24255	XXX	2.930%				No			No		0	0	0	0	3	0		12			0.000		N/A	No	Yes	24	No
60825			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	7235	$7,769.02	XXX	5.036%	$1,120.26	4.700%	No		Self-Employed						US Citizen				XXX					1	XXX	$2,576.04							21.86%	21.86%	10/12/2021	780							10/12/2021															No	Yes	12	Business	100.00%				Borrower - SESoleProprietor - 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	7235	XXX	2.850%				No			No		0	0	0	0	0	0		12			0.000		N/A	No	NA		No
60829			ATR/QM: Not Applicable	XXX	Yes	No		$5,934.27	XXX		$754.20	4.025%	Yes		Not Employed						US Citizen				XXX					1	XXX	$467.04							0.00%	0.00%	07/26/2021	743							07/26/2021															No	No	0		0.00%				Borrower	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.230		N/A	No	NA		No
60831			ATR/QM: Not Applicable	XXX	Yes	No	5228	$6,897.50	XXX	4.327%	$859.35	4.000%	Yes		Not Employed						US Citizen				XXX					1	XXX	$549.96							0.00%	0.00%	07/26/2021	743							07/26/2021															No	No	0		0.00%				Borrower	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX		5228	XXX	2.910%				No			No		0	0	0	0	0	0					1.090		N/A	No	NA		No
60832			ATR/QM: Not Applicable	XXX	Yes	No		$7,910.03	XXX		$820.89	3.625%	Yes		Employed						US Citizen				XXX					1	XXX	$473.04							0.00%	0.00%	07/26/2021	743							07/26/2021															No	No	0		0.00%				Borrower - Other - Executed 4506T Verified	Borrower - Executed 4506T Verified	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	1	0					1.140		N/A	No	NA		No
60833			ATR/QM: Not Applicable	XXX	Yes	No	6081.88	$7,438.23	XXX	4.369%	$823.54	4.000%	Yes		Employed						US Citizen				XXX					1	XXX	$473.04							0.00%	0.00%	07/26/2021	743							07/26/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX		6081.88	XXX	2.910%				No			No		0	0	0	0	0	0					1.130		N/A	No	NA		No
60834			ATR/QM: Not Applicable	XXX	Yes	No		$6,620.48	XXX		$823.54	4.000%	Yes		Employed						US Citizen				XXX					1	XXX	$404.04							0.00%	0.00%	07/26/2021	743							07/26/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.140		N/A	No	NA		No
60795			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$6,435.84	6.030%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$1,151.52							0.00%	0.00%	10/07/2021	774							10/07/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
60828			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	9931.25	$11,279.32	XXX	3.811%	$2,642.10	3.650%	No	No	Self-Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$1,013.76							37.01%	37.01%	07/29/2021	702							07/29/2021															No	Yes	12	Personal	100.00%				Borrower - SEPartnership - 12 Personal Bank Statements Verified \|\| Co Borrower - SEPartnership - 12 Personal Bank Statements Verified	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	9931.25	XXX	3.200%				No			No		0	0	0	0	0	0	12				0.000		N/A	No	NA		No
60838			ATR/QM: Not Applicable	XXX	Yes	No		$8,162.30	XXX		$1,134.63	3.750%	Yes		Employed						US Citizen				XXX					1	XXX	$3,056.04		FL	$450.00				0.00%	0.00%	08/04/2021	757							08/04/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.015		N/A	No	NA		No
60869			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$12,440.06	3.625%	Yes		Not Employed						US Citizen				XXX					1	XXX	$12,744.96							0.00%	0.00%	10/06/2021	802							10/06/2021															No	No	0		0.00%				Borrower - Other	Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
60913			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,762.23	3.825%	Yes		Not Employed						US Citizen				XXX					1	XXX	$918.96							0.00%	0.00%	10/15/2021	784							10/15/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.060		N/A	No	NA		No
60769			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$3,745.02	4.725%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,377.12							0.00%	0.00%	09/17/2021	788							09/17/2021															No	No	0		0.00%				Borrower - Other	Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
60792			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	3208	$4,382.72	XXX	4.682%	$2,046.48	4.600%	No	No	Not Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$1,737.96	XXX	CA	$5.83				12.01%	12.01%	10/26/2021	753							10/26/2021															No	Yes	12	Business	100.00%				Borrower - Investment Income \|\| Co Borrower - Investment Income - 12 Business Bank Statements Verified	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	3208	XXX	3.200%				No			No		0	0	0	0	0	0		12			0.000		N/A	No	NA		No
60793			ATR/QM: Not Applicable	XXX	Yes	No	14076	$3,537.68	XXX	5.092%	$2,530.25	5.025%	Yes	Yes	Not Employed	Not Employed					US Citizen	Permanent Resident Alien			XXX	XXX				1	XXX	$2,043.96							0.00%	0.00%	09/24/2021	681							09/24/2021															No	No	0		0.00%				Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified	Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX		14076	XXX	3.140%				No			No		0	0	0	0	2	0					0.000		N/A	No	NA		No
60808			ATR/QM: Not Applicable	XXX	Yes	No		$3,033.68	XXX		$1,422.88	4.525%	Yes		Employed						US Citizen				XXX					1	XXX	$2,110.56							0.00%	0.00%	10/12/2021	722							10/12/2021															No	No	0		0.00%				Borrower - Other	Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
60890			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,972.81	4.525%	Yes		Not Employed						US Citizen				XXX					1	XXX	$891.84							0.00%	0.00%	10/02/2021	791							10/02/2021															No	No	0		0.00%				Borrower	Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
60894			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$616.35	4.475%	Yes		Employed						US Citizen				XXX					1	XXX	$417.96							0.00%	0.00%	10/01/2021	744							10/01/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.745		N/A	No	NA		No
60919			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$18,577.03	4.250%	Yes		Employed						US Citizen				XXX					1	XXX	$2,375.16							0.00%	0.00%	10/28/2021	716							10/28/2021															No	No	0		0.00%				Borrower - Other - 1 Month Personal Bank Statements Verified	Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
60775			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$6,472.39	6.048%	Yes		Not Employed						US Citizen				XXX					3	XXX	$1,171.20							0.00%	0.00%	11/12/2021	750							11/12/2021															No	No	0		0.00%				Borrower - Other - 3 YRS Executed 4506T Verified	Borrower - 3 YRS Executed 4506T Verified	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	3	0					0.000		N/A	No	NA		No
60776			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$7,933.70	7.175%	Yes	Yes	Employed	Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$743.04							0.00%	0.00%	10/19/2021	793							10/19/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
60920			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	11535	$15,562.33	XXX	4.378%	$2,520.89	4.540%	No		Self-Employed						US Citizen				XXX					1	XXX	$979.56	XXX	CA	$335.00				43.99%	40.93%	10/28/2021	752							10/28/2021															No	Yes	12	Personal	100.00%				Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, 12 Personal Bank Statements Verified	Borrower - 3 YRS Executed 4506T Verified	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	11535	XXX	3.200%				No			No		0	0	0	0	3	0	12				0.000		N/A	No	NA		No
60739			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	1374.6	$2,333.97	XXX	3.393%	$4,588.46	3.375%	No	No	Employed	Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$2,484.12		CO	$20.00				55.40%	55.40%	10/24/2021	803							10/24/2021															No	No	0		0.00%				Borrower - Wage \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1 Month Personal Bank Statements Verified	Borrower \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	1374.6	XXX	3.140%				No			No		0	2	0	0	3	2					0.000		N/A	No	NA		No	2
60774			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	1910	$4,905.14	XXX	3.771%	$8,567.64	3.750%	No	No	Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$3,351.00							49.33%	49.33%	11/01/2021	765							11/01/2021															No	No	0		0.00%				Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower	Full Doc				0				0			0			0		1	0	0		XXX	XXX	Qualifying DTI Exceeds 43%	1910	XXX	3.200%				No			No		2	0	2	0	2	0					0.000		N/A	No	NA	24	No
60783			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	3911	$5,212.19	XXX	4.922%	$5,485.79	4.875%	No		Self-Employed						US Citizen				XXX					1	XXX	$3,389.04							31.30%	31.30%	10/05/2021	723							10/05/2021															No	Yes	12	Business	100.00%				Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified	Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	3911	XXX	3.200%				No			No		0	0	0	0	0	0		12			0.000		N/A	No	Yes	24	No
60910			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,710.63	4.025%	Yes		Not Employed						US Citizen				XXX					1	XXX	$3,974.16		FL	$1,075.00				0.00%	0.00%	10/11/2021	792							10/11/2021															No	No	0		0.00%				Borrower - Other - 3 YRS Executed 4506T Verified, 1 Month Personal Bank Statements Verified	Borrower - 3 YRS Executed 4506T Verified	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	3	0					1.016		N/A	No	NA		No
60914			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	10082	$11,238.00	XXX	3.909%	$1,377.58	3.600%	No	No	Self-Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$2,818.92							10.94%	10.94%	10/07/2021	767							10/07/2021															No	Yes	12	Business	100.00%				Borrower - SEPartnership - 1 YR Executed 4506T Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SEPartnership - 1 YR Executed 4506T Verified, 12 Business Bank Statements Verified	Borrower - 1 YR Executed 4506T Verified \|\| Co Borrower - 1 YR Executed 4506T Verified	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	10082	XXX	3.100%				No			No		0	0	0	0	1	0		12			0.000		N/A	No	NA		No
60922			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$4,904.95	5.250%	Yes		Employed						US Citizen				XXX					1	XXX	$727.20							0.00%	0.00%	11/09/2021	809							11/09/2021															No	No	0		0.00%				Borrower - Other	Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
60754			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,135.85	3.500%	Yes	Yes	Retired	Not Employed					US Citizen	US Citizen			XXX	XXX				2	XXX	$2,637.00							36.42%	36.42%	11/03/2021	734							11/03/2021															No	No	0		0.00%				Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified, 1040 Schedule E Verified	Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	2	0	1	2					0.000		N/A	No	NA		No
60762			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,779.90	5.100%	Yes		Not Employed						US Citizen				XXX					2	XXX	$2,711.04							0.00%	0.00%	11/04/2021	723							11/04/2021															No	No	0		0.00%				Borrower - Other	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.370		N/A	No	NA		No
60815			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	1811	$2,886.99	XXX	4.016%	$7,574.75	4.000%	No		Employed						US Citizen				XXX					1	XXX	$2,730.96							41.75%	41.75%	11/02/2021	730							11/02/2021															No	No	0		0.00%				Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified	Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Interest Only	1811	XXX	3.200%				No			No		2	0	0	0	3	2					0.000		N/A	No	NA		Yes	34
60830			ATR/QM: Not Applicable	XXX	Yes	No		$17,380.54	XXX		$2,751.49	4.300%	Yes		Not Employed						US Citizen				XXX					1	XXX	$2,417.52							0.00%	0.00%	10/12/2021	713							10/12/2021															No	No	0		0.00%				Borrower - Other - 2 YRS Executed 4506T Verified	Borrower - 2 YRS Executed 4506T Verified	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	2	0					0.000		N/A	No	NA		No
60900			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$748.93	4.375%	Yes	Yes	Not Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				2	XXX	$633.96							0.00%	0.00%	09/28/2021	746							09/28/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.640		N/A	No	NA		No
60921			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,072.64	4.025%	Yes		Not Employed						US Citizen				XXX					1	XXX	$648.96							0.00%	0.00%	11/04/2021	787							11/04/2021															No	No	0		0.00%				Borrower	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.310		N/A	No	NA		No
60771			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	2297.4	$6,704.54	XXX	3.912%	$7,672.50	3.875%	No	No	Not Employed	Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$2,135.16							30.64%	30.64%	09/14/2021	770							09/14/2021															No	No	0		0.00%				Borrower - Wage, Retirement \|\| Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified	Borrower \|\| Co Borrower - 2 YRS IRS Transcripts Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Interest Only	2297.4	XXX	3.100%				No			No		0	2	0	0	0	2					0.000		N/A	No	NA		No
60848			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	26859	$31,210.89	XXX	4.028%	$8,706.49	3.875%	No		Self-Employed						US Citizen				XXX					1	XXX	$4,473.00		NV	$300.00				20.52%	20.52%	08/24/2021	760							08/24/2021															No	No	0		0.00%			Audited	Borrower - SESCorp, SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Interest Only	26859	XXX	2.920%				No			No		2	0	2	2	1	1			10		0.000		N/A	No	NA		No
57762			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$797.76	3.875%	Yes		Self-Employed						US Citizen				XXX					1	XXX	$1,986.00	XXX	CA	$217.00				38.06%	38.06%	06/22/2021	769							06/22/2021															No	No	0		0.00%	0.00%		Borrower Prepared	Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	2	2	3	2			18		0.000		N/A	No	NA		No
57758			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$3,022.53	6.050%	Yes		Employed						US Citizen				XXX					1	XXX	$640.20	XXX	CA	$435.00				0.00%	0.00%	08/24/2021	790							08/24/2021															No	No	0		0.00%	0.00%			Borrower - Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, 1 Month Personal Bank Statements Verified, 1040 Schedule E Verified	Borrower - 3 YRS Executed 4506T Verified, 1040 Schedule E Verified	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	3	0					0.000		N/A	No	NA		No
57770			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	27000.65	$29,165.95	XXX	3.116%	$8,368.84	3.000%	No		Self-Employed						US Citizen				XXX					1	XXX	$3,797.04							24.48%	24.48%	08/06/2021	775							08/06/2021															No	No	0		0.00%	0.00%		Borrower Prepared	Borrower - SESoleProprietor, Other - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, Written VOE Verified, 1040 Schedule E Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1040 Schedule E Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	27000.65	XXX	2.910%				No			No		0	0	2	2	0	0			18		0.000		N/A	No	NA		Yes
57771			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,344.04	3.850%	Yes		Not Employed						US Citizen				XXX					1	XXX	$1,488.96							0.00%	0.00%	06/02/2021	718							06/02/2021															No	No	0		0.00%	0.00%			Borrower - Other	Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0				Yes	0.000		N/A	No	NA		No
57782			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	9846.95	$16,075.84	XXX	3.990%	$5,438.29	3.875%	No		Self-Employed						US Citizen				XXX					1	XXX	$2,360.04		CA	$150.00				40.23%	40.23%	09/06/2021	772							09/06/2021															No	No	0		0.00%	0.00%			Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS IRS Transcripts Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	9846.95	XXX	2.930%				No			No		2	0	2	2	0	2					0.000		N/A	No	NA		No
56357			ATR/QM: Not Applicable	XXX	Yes	No	1421.00	$2,694.45	XXX	4.734%	$897.13	4.600%	Yes	Yes							US Citizen	US Citizen			XXX	XXX				1	XXX	$1,359.60	XXX	CA	$350.00				0.00%	0.00%	07/01/2021	783							07/01/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX		6671	XXX	2.830%				No			No		0	0	0	0	0	0					1.180		N/A	No	NA		No
56377			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	29969.00	$32,149.62	XXX	3.006%	$7,882.96	2.875%	No	No	Self-Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$3,046.20							36.92%	36.92%	07/30/2021	754							07/30/2021															No	No	0		0.00%	100.00%		Borrower Prepared	Borrower - SEPartnership - 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 Month Business Bank Statements Verified \|\| Co Borrower - SEPartnership - 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Business Bank Statements Verified	Borrower - 2 YRS Business Tax Returns Verified \|\| Co Borrower - 2 YRS Business Tax Returns Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	29969	XXX	2.920%				No			No		2	2	0	2	0	0			12		0.000		N/A	No	NA		Yes	24
56378			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	44640.54	$46,998.19	XXX		$8,990.03	3.000%	No	No	Self-Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$1,378.20							41.07%	41.07%	06/29/2021	731							06/29/2021															No	No	0		0.00%	100.00%		Borrower Prepared	Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified, 1 Month Personal Bank Statements Verified, 1 Month Business Bank Statements Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS IRS Transcripts Verified, 1 Month Personal Bank Statements Verified, Lease Agreements Verified, 1040 Schedule E Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation							No			No		2	0	2	2	0	2			9		0.000		N/A	No	NA		No
56392			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$4,456.37	6.500%	Yes	Yes	Employed						US Citizen	US Citizen	US Citizen	US Citizen	XXX	XXX	XXX	XXX		1	XXX	$3,752.40							0.00%	0.00%	09/02/2021	725	725	724	725	740	764	747	09/02/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
56390			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,746.67	4.225%	Yes								US Citizen				XXX					1	XXX	$1,356.12							0.00%	0.00%	08/16/2021	791							08/16/2021															No	No	0		0.00%				Borrower	Borrower	Debt Service Coverage Ratio				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					1.040		N/A	No	NA		No
56399			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	8012.20	$15,264.32	XXX	3.290%	$8,394.50	3.250%	Yes		Self-Employed						US Citizen				XXX					1	XXX	$1,874.04							37.89%	37.89%	09/08/2021	798							09/08/2021															No	No	0		0.00%	30.00%			Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS IRS Transcripts Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS IRS Transcripts Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	8012.2	XXX	2.930%				No			No		0	0	2	2	0	2					0.000		N/A	No	NA		No
56391			ATR/QM: Not Applicable	XXX	Yes	No	7045.00	$9,055.57	XXX		$2,921.99	4.525%	Yes	Yes							US Citizen	US Citizen			XXX	XXX				1	XXX	$912.12							0.00%	0.00%	07/13/2021	705							07/13/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
56417			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	39539.31	$42,408.72	XXX	4.030%	$9,098.08	3.875%	No	No	Employed	Self-Employed					US Citizen	US Citizen			XXX	XXX				2	XXX	$1,194.96							41.76%	41.76%	09/07/2021	776							09/07/2021															No	No	0		0.00%	0.00%			Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS IRS Transcripts Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	39539.31	XXX	2.920%				No			No		2	0	2	0	0	2					0.000		N/A	No	NA		Yes
56405			Non-QM: Lender documented all ATR UW factors	XXX	Yes	No	16806.00	$18,542.90	XXX	3.701%	$6,817.41	3.600%	No		Self-Employed	Not Employed					US Citizen				XXX					1	XXX	$857.04							33.14%	33.14%	08/18/2021	788							08/18/2021															No	Yes	12	Business	100.00%	100.00%			Borrower - 12 Business Bank Statements Verified \|\| Co Borrower	Borrower \|\| Co Borrower	12 Month Bank Statement				0				0			0			0		0	0	0		XXX	XXX	Appendix Q Documentation	16806	XXX	2.910%				No			No		0	0	0	0	0	0		12			0.000		N/A	No	NA		No
56403			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$2,350.25	4.025%	Yes	Yes							US Citizen	US Citizen			XXX	XXX				1	XXX	$1,893.96							0.00%	0.00%	06/03/2021	752							06/03/2021															No	No	0		0.00%				Borrower \|\| Co Borrower	Borrower \|\| Co Borrower	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	0	0					0.000		N/A	No	NA		No
56422			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$4,177.81	3.375%	Yes	Yes	Self-Employed	Not Employed					US Citizen	US Citizen			XXX	XXX				1	XXX	$6,219.36							34.94%	34.94%	07/20/2021	750							07/20/2021															No	No	0		0.00%	100.00%		Borrower Prepared	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1 Month Business Bank Statements Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified	Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	2	2	3	2			8		0.000		N/A	No	Yes		Yes	24
56428			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$1,747.77	3.125%	Yes		Retired						US Citizen				XXX					1	XXX	$2,025.00							42.86%	42.86%	07/20/2021	800							07/20/2021															No	No	0		0.00%	100.00%			Borrower - Investment Income, Retirement, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified	Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified	Full Doc				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	2	0	3	2					0.000		N/A	No	NA		No
56423			ATR/QM: Not Applicable	XXX	Yes	No		$0.00			$5,289.04	6.225%	Yes		Employed						US Citizen				XXX					1	XXX	$1,864.20							0.00%	0.00%	08/18/2021	719							08/18/2021															No	No	0		0.00%				Borrower - Other - 3 YRS Executed 4506T Verified	Borrower - 3 YRS Executed 4506T Verified	Not Stated Not Verified				0				0			0			0		0	0	0		XXX	XXX								No			No		0	0	0	0	3	0					0.000		N/A	No	NA		No

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.3

Loan ID

Seller Loan ID

Investor Loan ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

60478

Closed

FPRO1244

2021-11-15 12:33

2021-11-17 16:43

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-11/15/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2021

Ready for Review-Canopy valuation process - to order product - Seller-11/15/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60499

Closed

FPRO1244

2021-11-15 12:33

2021-11-17 15:57

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation process - to order product - Seller-11/15/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years

ATR/QM: Not Applicable

XXX

Investment

Purchase

60516

Closed

FPRO1244

2021-11-15 12:34

2021-11-17 15:22

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation process - to order product - Seller-11/15/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/17/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

ATR/QM: Not Applicable

XXX

Investment

Purchase

60545

ATR/QM: Not Applicable

XXX

Investment

Purchase

60571

ATR/QM: Not Applicable

XXX

Investment

Purchase

60573

ATR/QM: Not Applicable

XXX

Investment

Purchase

60546

ATR/QM: Not Applicable

XXX

Investment

Purchase

60504

ATR/QM: Not Applicable

XXX

Investment

Purchase

60619

ATR/QM: Not Applicable

XXX

Investment

Purchase

60537

Closed

FCRE1204

2021-12-08 15:19

2021-12-09 09:00

Acknowledged

2 - Non-Material

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Acknowledged-As noted below- investor does not require line item acknowledgment of requirements from fraud report. - Due Diligence Vendor-12/09/2021

Ready for Review-CSC/Acra does not have a line item fraud report audit like FNMA does, our guidelines do not require it - thank you - Seller-12/08/2021

Open-Fraud Report Shows Uncleared Alerts- All items listed on Pages 2, 9, and 11 were not indicated as reviewed and cleared by agent of lender. - Due Diligence Vendor-12/08/2021

Ready for Review-CSC/Acra does not have a line item fraud report audit like FNMA does, our guidelines do not require it - thank you - Seller-12/08/2021

Acknowledged-As noted below- investor does not require line item acknowledgment of requirements from fraud report. - Due Diligence Vendor-12/09/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60537

Closed

FCRE1201

2021-12-07 11:19

2021-12-08 01:23

Resolved

1 - Information

Credit

Missing Doc - Credit

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report provided at resubmission. - Due Diligence Vendor-12/08/2021

Ready for Review-Document Uploaded. Please review the Fraud report - thank you. - Seller-12/07/2021

Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/19/2021

Ready for Review-Document Uploaded. Please review the Fraud report - thank you. - Seller-12/07/2021

Resolved-Third Party Fraud Report provided at resubmission. - Due Diligence Vendor-12/08/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60537

Closed

FPRO1244

2021-11-19 06:51

2021-11-22 16:28

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/22/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/19/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-11/22/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60464

Closed

FPRO1244

2021-11-24 16:58

2021-12-02 09:23

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/02/2021
Ready for Review-Canopy valuation process - to order product - Seller-11/24/2021
Open-3rd party product missing from loan file. Third party product ordered. - Due Diligence Vendor-11/24/2021

Ready for Review-Canopy valuation process - to order product - Seller-11/24/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/02/2021

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60491

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

60493

ATR/QM: Not Applicable

XXX

Investment

Purchase

60625

Closed

FCRE1167

2021-11-29 17:12

2021-12-02 12:38

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer

Resolved-Confirmed per agent and policy verbiage, subject is insured to 100% Guaranteed Replacement Cost, even if beyond policy face value. - Due Diligence Vendor-12/02/2021
Ready for Review-Document Uploaded. Please review the statement from the Ins Agent about the RCE - thank you. - Seller-11/29/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of XXX is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided - Due Diligence Vendor-11/23/2021

Ready for Review-Document Uploaded. Please review the statement from the Ins Agent about the RCE - thank you. - Seller-11/29/2021

Resolved-Confirmed per agent and policy verbiage, subject is insured to 100% Guaranteed Replacement Cost, even if beyond policy face value. - Due Diligence Vendor-12/02/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60625

Closed

FCRE1168

2021-11-29 17:13

2021-12-02 12:38

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer

Resolved-Confirmed per agent and policy verbiage, subject is insured to 100% Guaranteed Replacement Cost, even if beyond policy face value. - Due Diligence Vendor-12/02/2021
Ready for Review-Please review the statement from the Ins Agent abut the RCE - thank you - Seller-11/29/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ - Due Diligence Vendor-11/23/2021

Ready for Review-Please review the statement from the Ins Agent abut the RCE - thank you - Seller-11/29/2021

Resolved-Confirmed per agent and policy verbiage, subject is insured to 100% Guaranteed Replacement Cost, even if beyond policy face value. - Due Diligence Vendor-12/02/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

ATR/QM: Not Applicable

XXX

Investment

Purchase

60625

Closed

FPRO1244

2021-11-23 17:42

2021-12-02 09:29

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/02/2021
Ready for Review-Canopy valuation process - to order product - Seller-11/23/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/23/2021

Ready for Review-Canopy valuation process - to order product - Seller-11/23/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/02/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

ATR/QM: Not Applicable

XXX

Investment

Purchase

60676

Closed

FPRO1244

2021-11-24 16:59

2021-12-02 09:13

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/02/2021
Ready for Review-Canopy valuation process - to order product - Seller-11/24/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/23/2021

Ready for Review-Canopy valuation process - to order product - Seller-11/24/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/02/2021

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.50 Years

ATR/QM: Not Applicable

XXX

Investment

Purchase

60551

Closed

FPRO1244

2021-11-30 16:31

2021-12-02 08:52

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/02/2021
Ready for Review-Canopy valuation process - to order product - Seller-11/30/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/23/2021

Ready for Review-Canopy valuation process - to order product - Seller-11/30/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/02/2021

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60620

ATR/QM: Not Applicable

XXX

Investment

Purchase

60630

Closed

FCOM1232

2021-12-06 15:18

2021-12-07 08:15

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Final 1003 is Missing

Resolved-Received Final 1003, Note, and Deed of Trust. - Due Diligence Vendor-12/07/2021

Resolved-The Final 1003 is Present - Due Diligence Vendor-12/07/2021

Ready for Review-Please review the closing package for the requested documents - thank you. - Seller-12/06/2021

Open-The Final 1003 is Missing - Due Diligence Vendor-11/24/2021

Ready for Review-Please review the closing package for the requested documents - thank you. - Seller-12/06/2021

Resolved-Received Final 1003, Note, and Deed of Trust. - Due Diligence Vendor-12/07/2021

Resolved-The Final 1003 is Present - Due Diligence Vendor-12/07/2021

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 242 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

ATR/QM: Not Applicable

XXX

Investment

Purchase

60630

Closed

FCOM1220

2021-12-06 15:18

2021-12-07 08:11

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present. Received Final 1003, Note, and Deed of Trust. - Due Diligence Vendor-12/07/2021

Ready for Review-Document Uploaded. Please review the closing package for the requested documents - thank you. - Seller-12/06/2021

Open-The Deed of Trust is Missing - Due Diligence Vendor-11/24/2021

Ready for Review-Document Uploaded. Please review the closing package for the requested documents - thank you. - Seller-12/06/2021

Resolved-The Deed of Trust is Present. Received Final 1003, Note, and Deed of Trust. - Due Diligence Vendor-12/07/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60630

Closed

FCOM1206

2021-12-06 15:19

2021-12-07 08:08

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Note is Missing

Resolved-The Note is Present. Received Final 1003, Note, and Deed of Trust. - Due Diligence Vendor-12/07/2021

Ready for Review-Please review the closing package for the requested documents - thank you. - Seller-12/06/2021

Open-The Note is Missing - Due Diligence Vendor-11/24/2021

Ready for Review-Please review the closing package for the requested documents - thank you. - Seller-12/06/2021

Resolved-The Note is Present. Received Final 1003, Note, and Deed of Trust. - Due Diligence Vendor-12/07/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60562

Closed

FPRO1244

2021-12-02 17:06

2021-12-17 17:24

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/02/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/30/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/29/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/02/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points The Guideline Minimum Of 750, Qualifying FICO Of 770 is Greater Than The Guideline Minimum

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More The Guideline Maximum Of 80%, Original LTV Of 67.79% Is Below the Guideline Maximum

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More The Guideline Maximum Of 80%, Original CLTV Of 67.79% Is Below the Guideline Maximum

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.9 Years Final 1003 P.678

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20 Years Final 1003 P.678

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Final 1003 P.678

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60592

Closed

FPRO1244

2021-12-02 17:06

2021-12-17 17:10

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation process - to order product - Seller-12/02/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35 Years

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60512

Closed

FPRO1244

2021-12-06 11:50

2021-12-17 16:10

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/01/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 725 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60523

Closed

FPRO1244

2021-12-06 11:50

2021-12-17 16:33

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/01/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.88% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 641 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.88% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60535

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60544

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60543

Closed

FPRO1244

2021-12-06 12:44

2021-12-17 16:47

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/01/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.44% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.44% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 629 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60471

Closed

finding-3631

2021-12-06 13:46

2021-12-07 11:32

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved. **Received COC for XXX*** - Due Diligence Vendor-12/07/2021
Ready for Review-Please review the other exception for CIC uploaded - thank you - Seller-12/06/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/02/2021

Ready for Review-Please review the other exception for CIC uploaded - thank you - Seller-12/06/2021

Resolved-Resolved. **Received COC for XXX*** - Due Diligence Vendor-12/07/2021

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.60 Years

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60471

Closed

finding-3632

2021-12-06 13:46

2021-12-07 11:32

Resolved

1 - Information

Compliance

Disclosures (Federal, State, and Data Dependent)

Consummation or Reimbursement Date Validation Test

Resolved-Resolved. **Received COC for XXX*** - Due Diligence Vendor-12/07/2021
Ready for Review-Please review the other exception for CIC uploaded - thank you - Seller-12/06/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/02/2021

Ready for Review-Please review the other exception for CIC uploaded - thank you - Seller-12/06/2021

Resolved-Resolved. **Received COC for XXX*** - Due Diligence Vendor-12/07/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60471

Closed

finding-3634

2021-12-06 13:45

2021-12-07 11:32

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test

Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $650.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).**Received COC for XXX*** - Due Diligence Vendor-12/07/2021
Ready for Review-Document Uploaded. Please review the change in circumstance reflecting $650 fee change. Thank you - Seller-12/06/2021
Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $650.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). *** file does not appear to contain COC for fee increase - Due Diligence Vendor-12/02/2021

Ready for Review-Document Uploaded. Please review the change in circumstance reflecting $650 fee change. Thank you - Seller-12/06/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60589

Closed

FPRO1244

2021-12-06 17:50

2021-12-17 16:17

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 180 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

3rd party product missing from loan file and ordered.

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60608

Closed

FPRO1244

2021-12-06 17:50

2021-12-17 16:04

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60604

ATR/QM: Not Applicable

XXX

Investment

Purchase

60607

Closed

FPRO1244

2021-12-17 15:57

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

ATR/QM: Not Applicable

XXX

Investment

Purchase

60696

Closed

FCOM1229

2021-12-20 12:21

2021-12-21 08:30

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

1-4 Family Rider is Missing

Resolved-Resolved, Received 1-4 Family Rider. - Due Diligence Vendor-12/21/2021

Ready for Review-Document Uploaded. This loan was originally cleared. Uploaded 1-4 Family Rider, thank you. - Seller-12/20/2021

Open-1-4 Family Rider is Missing - Due Diligence Vendor-12/17/2021

Ready for Review-Document Uploaded. This loan was originally cleared. Uploaded 1-4 Family Rider, thank you. - Seller-12/20/2021

Resolved-Resolved, Received 1-4 Family Rider. - Due Diligence Vendor-12/21/2021

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 175 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60696

Closed

FPRO1244

2021-12-17 16:07

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60465

Closed

FPRO1244

2021-12-06 11:49

2021-12-17 16:00

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12 Years

Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60466

Closed

FPRO1244

2021-12-17 15:54

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 372 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60635

Closed

FPRO1244

2021-12-08 11:23

2021-12-17 15:28

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation - to order product - Seller-12/08/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60651

Closed

FPRO1244

2021-12-07 17:50

2021-12-17 15:37

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/07/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/03/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/07/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

ATR/QM: Not Applicable

XXX

Investment

Purchase

60685

Closed

FPRO1244

2021-12-07 17:50

2021-12-17 15:31

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/07/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/03/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/07/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.83% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

ATR/QM: Not Applicable

XXX

Investment

Purchase

60498

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60583

ATR/QM: Not Applicable

XXX

Investment

Purchase

60646

ATR/QM: Not Applicable

XXX

Investment

Purchase

60680

ATR/QM: Not Applicable

XXX

Investment

Purchase

60593

Closed

FCRE1168

2021-12-07 19:51

2021-12-08 11:08

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer

Resolved-Confirmed sufficient coverage in place per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/08/2021
Ready for Review-Document Uploaded. Please review the RCE - thank you - Seller-12/08/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of XXX - Due Diligence Vendor-12/06/2021

Ready for Review-Document Uploaded. Please review the RCE - thank you - Seller-12/08/2021

Resolved-Confirmed sufficient coverage in place per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/08/2021

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

60587

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60623

Closed

FPRO1244

2021-12-08 11:22

2021-12-17 15:26

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation - to order product - Seller-12/08/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/07/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/07/2021

Ready for Review-Canopy valuation - to order product - Seller-12/08/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

ATR/QM: Not Applicable

XXX

Investment

Purchase

60639

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60670

Closed

FCRE1168

2021-12-21 17:43

2021-12-22 00:43

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer

Resolved-Confirmed sufficient coverage is in place per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/22/2021
Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you. - Seller-12/21/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of XXX - Due Diligence Vendor-12/08/2021

Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you. - Seller-12/21/2021

Resolved-Confirmed sufficient coverage is in place per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/22/2021

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 126 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60670

Closed

FCOM1229

2021-12-21 10:59

2021-12-21 12:29

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

1-4 Family Rider is Missing

Resolved-Received 1-4 Family Rider (Assignment of Rents) - Due Diligence Vendor-12/21/2021

Ready for Review-Document Uploaded. Please refer to section C of the DOT for assignment of rents - thank you. - Seller-12/21/2021

Open-1-4 Family Rider is Missing - Due Diligence Vendor-12/17/2021

Ready for Review-Document Uploaded. Please refer to section C of the DOT for assignment of rents - thank you. - Seller-12/21/2021

Resolved-Received 1-4 Family Rider (Assignment of Rents) - Due Diligence Vendor-12/21/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60670

Closed

FPRO1244

2021-12-09 11:45

2021-12-17 15:15

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/07/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/07/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60476

Closed

FPRO1244

2021-12-08 13:17

2021-12-17 15:21

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/08/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/07/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/07/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/08/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.6 Years

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60694

ATR/QM: Not Applicable

XXX

Investment

Purchase

60697

ATR/QM: Not Applicable

XXX

Investment

Purchase

60710

Closed

FCRE1168

2021-12-14 14:59

2021-12-15 08:18

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer

Resolved-Confirmed sufficient coverage in place per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/15/2021
Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you - Seller-12/14/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of XXX - Due Diligence Vendor-12/08/2021

Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you - Seller-12/14/2021

Resolved-Confirmed sufficient coverage in place per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/15/2021

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60722

ATR/QM: Not Applicable

XXX

Investment

Purchase

60566

Closed

FPRO1244

2021-12-09 11:29

2022-01-04 17:14

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0%. - Due Diligence Vendor-01/04/2022
Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021

Resolved-Received desk review showing value of XXX and variance of 0%. - Due Diligence Vendor-01/04/2022

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months

ATR/QM: Not Applicable

XXX

Investment

Purchase

60684

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60691

ATR/QM: Not Applicable

XXX

Investment

Purchase

60692

ATR/QM: Not Applicable

XXX

Investment

Purchase

60713

ATR/QM: Not Applicable

XXX

Investment

Purchase

60729

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60730

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60632

Closed

FPRO1244

2021-12-09 11:30

2021-12-17 15:07

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60647

Closed

FPRO1244

2021-12-09 11:31

2021-12-17 14:18

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 575 By Twenty (20) or More Points

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Audited Reserves are less than Guideline Required Reserves (Number of Months) - Audited Reserves of 0 are less than Guideline Required Reserves of 6

ATR/QM: Not Applicable

XXX

Investment

Purchase

60517

Closed

FVAL2301

2021-12-28 18:34

2021-12-30 11:43

Resolved

1 - Information

Property

Missing Doc

Updated Completion Report (442/10040) is missing

Resolved-1004D received. - Due Diligence Vendor-12/30/2021

Ready for Review-Document Uploaded. Please review the 1004D for this exception - thank you. - Seller-12/28/2021

Open- - Due Diligence Vendor-12/09/2021

Ready for Review-Document Uploaded. Please review the 1004D for this exception - thank you. - Seller-12/28/2021

Resolved-1004D received. - Due Diligence Vendor-12/30/2021

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60517

Closed

FPRO1244

2021-12-10 11:18

2021-12-17 14:59

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/10/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/10/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60712

ATR/QM: Not Applicable

XXX

Investment

Purchase

60717

Closed

FPRO1244

2021-12-13 11:45

2021-12-17 14:25

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/13/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/13/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60720

Closed

FPRO1244

2021-12-09 15:44

2021-12-17 14:10

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60525

Closed

FPRO1244

2021-12-10 15:16

2021-12-17 14:38

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation - to order product - Seller-12/10/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation - to order product - Seller-12/10/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60590

Closed

FCRE1168

2021-12-20 12:19

2021-12-21 06:27

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer

Resolved-Confirmed sufficient replacement coverage in effect per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/21/2021
Ready for Review-Document Uploaded. Please review the statement from the Ins Agent - thank you - Seller-12/20/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of XXX - Due Diligence Vendor-12/10/2021

Ready for Review-Document Uploaded. Please review the statement from the Ins Agent - thank you - Seller-12/20/2021

Resolved-Confirmed sufficient replacement coverage in effect per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/21/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60590

Closed

FPRO1244

2021-12-10 13:37

2021-12-17 14:30

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/10/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/10/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60609

Closed

FPRO1244

2021-12-10 11:16

2021-12-17 14:48

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/10/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/10/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60473

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60474

Closed

FPRO1244

2021-12-13 11:44

2021-12-17 14:13

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/13/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/13/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60640

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60666

Closed

FPRO1244

2021-12-13 14:33

2021-12-17 14:53

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/13/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/13/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60663

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60695

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60714

Closed

FPRO1244

2021-12-13 11:45

2021-12-17 14:45

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/13/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/08/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/13/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60568

Closed

FPRO1244

2021-12-14 18:40

2021-12-17 13:58

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation - to order product - Seller-12/14/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/10/2021

Ready for Review-Canopy valuation - to order product - Seller-12/14/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60574

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60599

Closed

FCRE1241

2021-12-09 18:57

2022-03-03 16:54

Resolved

1 - Information

Credit

Missing Doc - Property

Purchase Contract is Missing

Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/03/2022

Rescinded-Purchase Contract Is Missing - Due Diligence Vendor-12/09/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60599

Closed

FPRO1244

2021-12-14 18:40

2021-12-17 14:02

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation - to order product - Seller-12/14/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60711

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60636

Closed

FPRO1244

2021-12-14 11:27

2021-12-17 14:06

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/14/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/10/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/14/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60636

Closed

FPRO7466

2021-12-14 11:27

2021-12-17 14:06

Resolved

1 - Information

Property

Third Party Valuation

AVM Value(s) Do Not Adhere To Tolerance Criteria

Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 2.36%) - Due Diligence Vendor-12/17/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/14/2021

Open-AVM Value(s) Do Not Adhere To Tolerance Criteria (AVM Confidence Score is 88 and Post-Close Reviewed Appraised Property Value Variance is -23.94%) - Due Diligence Vendor-12/10/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/14/2021

Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 2.36%) - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60661

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60650

Closed

FPRO1244

2021-12-17 13:33

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60650

Closed

FPRO7466

2021-12-14 18:41

2021-12-17 13:32

Resolved

1 - Information

Property

Third Party Valuation

AVM Value(s) Do Not Adhere To Tolerance Criteria

Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 0%) - Due Diligence Vendor-12/17/2021

Ready for Review-Canopy valuation - to order product - Seller-12/14/2021

Open-AVM Value(s) Do Not Adhere To Tolerance Criteria (AVM Confidence Score is 80 and Post-Close Reviewed Appraised Property Value Variance is -24.25%) - Due Diligence Vendor-12/13/2021

Ready for Review-Canopy valuation - to order product - Seller-12/14/2021

Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 0%) - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60553

Closed

FPRO1244

2021-12-17 13:46

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60594

Closed

FPRO1244

2021-12-16 12:31

2021-12-17 13:22

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product. - Seller-12/16/2021
Open- - Due Diligence Vendor-12/14/2021

Ready for Review-Canopy valuation process - to order product. - Seller-12/16/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60641

Closed

FPRO1244

2021-12-16 12:32

2021-12-17 13:41

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Ready for Review-Canopy valuation process - to order product. - Seller-12/16/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60665

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60703

Closed

FPRO1244

2021-12-17 13:18

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60715

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60674

Closed

FPRO1244

2021-12-15 12:09

2021-12-17 11:55

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/15/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/14/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/15/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60682

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60601

Closed

FPRO1244

2021-12-15 17:06

2021-12-17 12:54

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Ready for Review-Canopy valuation process - to order product - Seller-12/15/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/14/2021

Ready for Review-Canopy valuation process - to order product - Seller-12/15/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60718

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60726

Closed

FPRO1244

2021-12-14 18:53

2021-12-17 11:18

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021
Rescinded-AVM provided page 184 - Due Diligence Vendor-12/14/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60726

Closed

FCOM1224

2021-12-15 14:35

2021-12-17 11:17

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

Condo Rider is Missing

Resolved-The Condo Rider is Present - Due Diligence Vendor-12/17/2021

Resolved-Condo Rider received - Due Diligence Vendor-12/17/2021

Ready for Review-Document Uploaded. Please review the closing package w/ the condo rider - thank you. - Seller-12/15/2021

Open-Condo Rider is Missing - Due Diligence Vendor-12/15/2021

Ready for Review-Document Uploaded. Please review the closing package w/ the condo rider - thank you. - Seller-12/15/2021

Resolved-The Condo Rider is Present - Due Diligence Vendor-12/17/2021
Resolved-Condo Rider received - Due Diligence Vendor-12/17/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60528

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60548

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60570

Closed

FCOM1621

2021-12-15 13:05

2021-12-27 16:22

Acknowledged

2 - Non-Material

Compliance

Missing Doc - Federal Disclosure

Initial Escrow Account Disclosure is Missing

Acknowledged- - Due Diligence Vendor-12/27/2021

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-12/15/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60570

Closed

finding-3532

2021-12-20 19:46

2021-12-21 09:14

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Received electronic email acknowledgement and borrower's LOE accepting all changes of ICD.  - Due Diligence Vendor-12/21/2021
Ready for Review-Document Uploaded. Please review the hardship letter for the shortened timeframe - thank you.  - Seller-12/21/2021
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. *****According to the PCCD closing date was XXX so it appears that there were not 3 days between the Initial CD XXX and the closing.  - Due Diligence Vendor-12/16/2021
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-12/16/2021

Ready for Review-Document Uploaded. Please review the hardship letter for the shortened timeframe - thank you. - Seller-12/21/2021

Resolved-Received electronic email acknowledgement and borrower's LOE accepting all changes of ICD. - Due Diligence Vendor-12/21/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60570

Closed

finding-3719

2021-12-16 15:20

2021-12-20 17:00

Resolved

1 - Information

Compliance

TRID Tolerance

TILA Post-Consummation Revised Closing Disclosure Finance Charge Test

Resolved-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of  XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/16/2021
Resolved-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $100. Final CD received - Due Diligence Vendor-12/20/2021
Resolved-Resolved - Due Diligence Vendor-12/20/2021
Rescinded-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of  XXX is not considered accurate because it is understated by more than $100. sytem error - Due Diligence Vendor-12/16/2021

Resolved-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is $421,357.19. The disclosed finance charge of  XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/16/2021
Resolved-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of  $420,819.95 is not considered accurate because it is understated by more than $100. Final CD received - Due Diligence Vendor-12/20/2021
Resolved-Resolved - Due Diligence Vendor-12/20/2021
Rescinded-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of  $420,819.95 is not considered accurate because it is understated by more than $100. sytem error - Due Diligence Vendor-12/16/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60570

Closed

FCOM1220

2021-12-17 17:25

2021-12-20 16:45

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present. DOT received - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. Please review the closing package for the DOT - thank you. - Seller-12/17/2021

Open-The Deed of Trust is Missing - Due Diligence Vendor-12/15/2021

Ready for Review-Document Uploaded. Please review the closing package for the DOT - thank you. - Seller-12/17/2021

Resolved-The Deed of Trust is Present. DOT received - Due Diligence Vendor-12/20/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60570

Closed

FCOM1206

2021-12-15 09:33

2021-12-20 16:43

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Note is Missing

Resolved-The Note is Present. Note received. - Due Diligence Vendor-12/20/2021

Open-The Note is Missing - Due Diligence Vendor-12/15/2021

Resolved-The Note is Present. Note received. - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60605

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60678

Closed

FCOM1544

2021-12-17 15:27

2021-12-20 10:55

Resolved

1 - Information

Compliance

Missing Doc - CD

TRID: Missing Final Closing Disclosure

Resolved-TRID: Final Closing Disclosure provided at resubmission. - Due Diligence Vendor-12/20/2021

Ready for Review-Please review closing package for docs in exception - thank you. - Seller-12/17/2021

Open-TRID: Missing Final Closing Disclosure *****The final closing disclosure does not appear to be included in the file. - Due Diligence Vendor-12/17/2021

Ready for Review-Please review closing package for docs in exception - thank you. - Seller-12/17/2021

Resolved-TRID: Final Closing Disclosure provided at resubmission. - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60678

Closed

FCOM1621

2021-12-15 15:18

2021-12-20 10:07

Resolved

1 - Information

Compliance

Missing Doc - Federal Disclosure

Initial Escrow Account Disclosure is Missing

Resolved-Initial Escrow Account Disclosure was provided at resubmission. - Due Diligence Vendor-12/20/2021

Open-Initial Escrow Account Disclosure is Missing *****The file does not appear to contain the initial escrow account disclosure. - Due Diligence Vendor-12/17/2021

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-12/15/2021

Resolved-Initial Escrow Account Disclosure was provided at resubmission. - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60678

Closed

FCOM1220

2021-12-17 15:27

2021-12-20 10:05

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Deed of Trust is Missing

Resolved-The Deed of Trust was provided at resubmission. - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. Please review closing package for docs in exception - thank you. - Seller-12/17/2021

Open-The Deed of Trust is Missing - Due Diligence Vendor-12/15/2021

Ready for Review-Document Uploaded. Please review closing package for docs in exception - thank you. - Seller-12/17/2021

Resolved-The Deed of Trust was provided at resubmission. - Due Diligence Vendor-12/20/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60678

Closed

FCOM1111

2021-12-17 15:27

2021-12-20 09:58

Resolved

1 - Information

Compliance

Points & Fees

Late Charge Grace Period is less than 10 days

Resolved-Validation Resolved- Note provided at resubmission confirming terms are acceptable. - Due Diligence Vendor-12/20/2021

Ready for Review-Please review closing package for docs in exception - thank you. - Seller-12/17/2021

Open-Late Charge Grace Period is less than 10 days - Due Diligence Vendor-12/15/2021

Ready for Review-Please review closing package for docs in exception - thank you. - Seller-12/17/2021

Resolved-Validation Resolved- Note provided at resubmission confirming terms are acceptable. - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60678

Closed

FCOM1206

2021-12-17 15:27

2021-12-20 09:58

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Note is Missing

Resolved-The Note was provided at resubmission confirming terms are acceptable. - Due Diligence Vendor-12/20/2021

Ready for Review-Please review closing package for docs in exception - thank you. - Seller-12/17/2021

Open-The Note is Missing - Due Diligence Vendor-12/15/2021

Ready for Review-Please review closing package for docs in exception - thank you. - Seller-12/17/2021

Resolved-The Note was provided at resubmission confirming terms are acceptable. - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60709

Closed

FPRO1244

2021-12-16 12:28

2021-12-21 09:52

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/21/2021
Ready for Review-Canopy valuation process - to order product. - Seller-12/16/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/14/2021

Ready for Review-Canopy valuation process - to order product. - Seller-12/16/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/21/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60728

Closed

FPRO1244

2021-12-17 11:46

2021-12-27 16:12

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021
Ready for Review-Canopy valuation process - product to be ordered - Seller-12/17/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/14/2021

Ready for Review-Canopy valuation process - product to be ordered - Seller-12/17/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60728

Closed

FCOM1227

2021-12-17 14:48

2021-12-27 16:11

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

PUD Rider is Missing

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-12/27/2021

Resolved-Recorded DOT and PUD rider received - Due Diligence Vendor-12/20/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Open-PUD Rider is Missing - Due Diligence Vendor-12/15/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-12/27/2021

Resolved-Recorded DOT and PUD rider received - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60728

Closed

finding-3532

2021-12-21 11:10

2021-12-22 09:22

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Received 3-day waiver LOE from borrower. - Due Diligence Vendor-12/22/2021
Ready for Review-Document Uploaded. Please review the hardship letter from borrower for reducing disclosure time v funding - thank you.  - Seller-12/21/2021
Counter-Received Final CD.  The Initial CD was issued XXX and consummation was XXX.  The initial closing disclosure delivery date is less than three business days before the consummation date. - Due Diligence Vendor-12/20/2021
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-12/15/2021
Ready for Review-Please review the closing package for documents in exception - thank you.  - Seller-12/17/2021
Counter-Please provide the fully executed Final CD from date of consummation.  - Due Diligence Vendor-12/17/2021
Ready for Review-Please provide additional clarification on the exception - thank you.  - Seller-12/17/2021

Ready for Review-Document Uploaded. Please review the hardship letter from borrower for reducing disclosure time v funding - thank you.  - Seller-12/21/2021

Ready for Review-Please review the closing package for documents in exception - thank you.  - Seller-12/17/2021

Ready for Review-Please provide additional clarification on the exception - thank you.  - Seller-12/17/2021

Resolved-Received 3-day waiver LOE from borrower. - Due Diligence Vendor-12/22/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60728

Closed

FCOM1512

2021-12-17 14:48

2021-12-20 11:15

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

Closing/Settlement Disclosure Unexecuted

Resolved-Final CD received - Due Diligence Vendor-12/20/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Open-Final Closing Disclosure (pg. 689) is not signed by the borrower. - Due Diligence Vendor-12/15/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Resolved-Final CD received - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60728

Closed

FCOM1544

2021-12-17 14:48

2021-12-20 10:55

Resolved

1 - Information

Compliance

Missing Doc - CD

TRID: Missing Final Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided. Received Final CD - Due Diligence Vendor-12/20/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Open-TRID: Missing Final Closing Disclosure Please provide the fully executed Final CD from date of consummation. - Due Diligence Vendor-12/17/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Resolved-TRID: Final Closing Disclosure Provided. Received Final CD - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60728

Closed

FCOM1621

2021-12-17 14:48

2021-12-20 10:51

Resolved

1 - Information

Compliance

Missing Doc - Federal Disclosure

Initial Escrow Account Disclosure is Missing

Resolved-Initial Escrow Account Disclosure is Resolved. IEAD received. - Due Diligence Vendor-12/20/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Open-Initial Escrow Account Disclosure is Missing *****It appears the initial escrow disclosure is not included in the file. - Due Diligence Vendor-12/16/2021

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-12/15/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Resolved-Initial Escrow Account Disclosure is Resolved. IEAD received. - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60728

Closed

FCOM1220

2021-12-17 14:47

2021-12-20 10:49

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present. DOT received - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Open-The Deed of Trust is Missing - Due Diligence Vendor-12/15/2021

Ready for Review-Document Uploaded. Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Resolved-The Deed of Trust is Present. DOT received - Due Diligence Vendor-12/20/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60728

Closed

FCOM1206

2021-12-17 14:47

2021-12-20 10:48

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Note is Missing

Resolved-The Note is Present. Note received - Due Diligence Vendor-12/20/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Open-The Note is Missing - Due Diligence Vendor-12/15/2021

Ready for Review-Please review the closing package for documents in exception - thank you. - Seller-12/17/2021

Resolved-The Note is Present. Note received - Due Diligence Vendor-12/20/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60675

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60704

Closed

FPRO1244

2021-12-21 16:49

2021-12-27 15:45

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021
Ready for Review-Canopy valuation process - to order product. - Seller-12/21/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/20/2021

Ready for Review-Canopy valuation process - to order product. - Seller-12/21/2021

Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60706

ATR/QM: Not Applicable

XXX

Investment

Purchase

51253

Closed

FPRO1244

2021-08-27 16:20

2021-09-15 12:54

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-09/15/2021
Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021
Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/10/2021

Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021

Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-09/15/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

51253

Closed

FCRE1198

2021-08-27 19:58

2021-09-07 13:13

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 22 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-09/07/2021

Ready for Review-Hello, please review the response and see if exception can be cleared:

Per guideline sec 8.22, Cash-in-hand from a cash out refinance may be used toward reserves. This loan was cash out and borrower can use the cash out amount towards reserve requirement.

Thank you - Seller-08/27/2021

Open-Audited Reserves of 1 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-08/11/2021

Ready for Review-Hello, please review the response and see if exception can be cleared:

Per guideline sec 8.22, Cash-in-hand from a cash out refinance may be used toward reserves. This loan was cash out and borrower can use the cash out amount towards reserve requirement.

Thank you - Seller-08/27/2021

Resolved-Audited Reserves of 22 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-09/07/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60733

Closed

finding-3631

2021-12-03 21:19

2021-12-07 21:16

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Ready for Review-Document Uploaded. LOE/PCCD and refund check sent regular mail - please see attached proof of delivery - Seller-12/03/2021

Ready for Review-Document Uploaded. Please see attached LOE PCCD refund chk and prf delivered - Seller-11/24/2021

Resolved-Proof that refunds have been sent to the borrower for $100 has been received and no further issues. - Due Diligence Vendor-12/07/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60733

Closed

finding-3632

2021-12-03 21:20

2021-12-07 21:16

Resolved

1 - Information

Compliance

Disclosures (Federal, State, and Data Dependent)

Consummation or Reimbursement Date Validation Test

Resolved-Proof that refunds have been sent to the borrower for $100 has been received and no further issues.   - Due Diligence Vendor-12/07/2021
Counter-Received email as proof that docs were mailed.  Please provide proof of delivery with tracking information. - Due Diligence Vendor-12/06/2021
Ready for Review-Document Uploaded. Proof of delivery - Seller-12/03/2021
Counter-Received LOW, PCCD, and Copy of Check.  Missing proof of deliver, please provide. - Due Diligence Vendor-12/01/2021
Ready for Review-Document Uploaded. Please see attached LOE PCCD refund chk and prf delivered - Seller-11/24/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ****It appears that the Appraisal Fee increased on CD dated XXX by 100 no cure or COC referencing the increase - Due Diligence Vendor-11/10/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2021

Ready for Review-Document Uploaded. Proof of delivery - Seller-12/03/2021

Ready for Review-Document Uploaded. Please see attached LOE PCCD refund chk and prf delivered - Seller-11/24/2021

Resolved-Proof that refunds have been sent to the borrower for $100 has been received and no further issues. - Due Diligence Vendor-12/07/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60733

Closed

finding-3634

2021-12-03 21:19

2021-12-07 21:16

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test

Resolved-Proof that refunds have been sent to the borrower for $100 has been received and no further issues.   - Due Diligence Vendor-12/07/2021
Counter-Received email as proof that docs were mailed.  Please provide proof of delivery with tracking information. - Due Diligence Vendor-12/06/2021
Ready for Review-Document Uploaded. Proof of delivery  - Seller-12/03/2021
Counter-Received LOW, PCCD, and Copy of Check.  Missing proof of deliver, please provide. - Due Diligence Vendor-12/01/2021
Ready for Review-Document Uploaded. Please see attached LOE PCCD refund chk and prf delivered - Seller-11/24/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ****It appears that the Appraisal Fee increased on CD dated XXX by 100 no cure or COC referencing the increase - Due Diligence Vendor-11/10/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/09/2021

Ready for Review-Document Uploaded. Proof of delivery - Seller-12/03/2021

Ready for Review-Document Uploaded. Please see attached LOE PCCD refund chk and prf delivered - Seller-11/24/2021

Resolved-Proof that refunds have been sent to the borrower for $100 has been received and no further issues. - Due Diligence Vendor-12/07/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60855

Closed

FCOM1232

2021-11-22 20:18

2021-12-09 02:19

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-11/30/2021

Ready for Review-Document Uploaded. URLA - Seller-11/22/2021

Open-The Final 1003 is Missing - Due Diligence Vendor-11/08/2021

Ready for Review-Document Uploaded. URLA - Seller-11/22/2021

Resolved-The Final 1003 is Present - Due Diligence Vendor-11/30/2021

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0085

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60855

Closed

FCOM1206

2021-11-22 20:19

2021-11-24 18:23

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-11/24/2021

Resolved-The Note is Present. - Due Diligence Vendor-11/23/2021

Ready for Review-Document Uploaded. NOTE - Seller-11/22/2021

Open-The Note is Missing - Due Diligence Vendor-11/08/2021

Ready for Review-Document Uploaded. NOTE - Seller-11/22/2021

Resolved-The Note is Present - Due Diligence Vendor-11/24/2021

Resolved-The Note is Present. - Due Diligence Vendor-11/23/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60855

Closed

FCOM1544

2021-11-22 20:17

2021-11-24 18:11

Resolved

1 - Information

Compliance

Missing Doc - CD

TRID: Missing Final Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided. Final CD received. - Due Diligence Vendor-11/24/2021

Ready for Review-Document Uploaded. CD signed at close - Seller-11/22/2021

Open-Final CD not located in file - Due Diligence Vendor-11/12/2021

Ready for Review-Document Uploaded. CD signed at close - Seller-11/22/2021

Resolved-TRID: Final Closing Disclosure Provided. Final CD received. - Due Diligence Vendor-11/24/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60855

Closed

FCOM1621

2021-11-22 20:18

2021-11-23 17:08

Resolved

1 - Information

Compliance

Missing Doc - Federal Disclosure

Initial Escrow Account Disclosure is Missing

Resolved-Initial Escrow Account Disclosure is Resolved. IEAD received. - Due Diligence Vendor-11/23/2021

Ready for Review-Document Uploaded. Initial Escrow Account disclosure - Seller-11/22/2021

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-11/10/2021

Ready for Review-Document Uploaded. Initial Escrow Account disclosure - Seller-11/22/2021

Resolved-Initial Escrow Account Disclosure is Resolved. IEAD received. - Due Diligence Vendor-11/23/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60819

ATR/QM: Not Applicable

XXX

Investment

Purchase

60823

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60732

Closed

FCOM1252

2021-11-19 19:15

2021-11-22 20:42

Resolved

1 - Information

Compliance

TRID

TRID: Missing Loan Estimate

Resolved-LE and COC received. - Due Diligence Vendor-11/22/2021
Ready for Review-Document Uploaded. - Seller-11/19/2021
Open-****The file contains evidence of a revised loan estimate being sent to the borrower on XXX disclosing the addition of fees. It appears this loan estimate is not in the file. Lender to provide. - Due Diligence Vendor-11/17/2021

Ready for Review-Document Uploaded. - Seller-11/19/2021

Resolved-LE and COC received. - Due Diligence Vendor-11/22/2021

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11 Years

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.58% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years

Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.62% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60732

Closed

finding-3634

2021-11-17 19:09

2021-11-22 20:41

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test

Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $201.62.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC located in the file. - Due Diligence Vendor-11/22/2021

Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $201.62.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $201.62.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing revised LE that supports fees increases in appraisal review fee and loan discount points - Due Diligence Vendor-11/17/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60732

Closed

finding-3631

2021-11-17 19:09

2021-11-22 20:41

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved. COC received. - Due Diligence Vendor-11/22/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ****The file contains evidence of a revised loan estimate being sent to the borrower on XXX disclosing the addition of fees. It appears this loan estimate is not in the file. Lender to provide. - Due Diligence Vendor-11/17/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/17/2021

Resolved-Resolved. COC received. - Due Diligence Vendor-11/22/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60732

Closed

finding-3632

2021-11-17 19:09

2021-11-22 20:41

Resolved

1 - Information

Compliance

Disclosures (Federal, State, and Data Dependent)

Consummation or Reimbursement Date Validation Test

Resolved-Resolved, COC received. - Due Diligence Vendor-11/22/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ****The file contains evidence of a revised loan estimate being sent to the borrower on XXX disclosing the addition of fees. It appears this loan estimate is not in the file. Lender to provide. - Due Diligence Vendor-11/17/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/17/2021

Resolved-Resolved, COC received. - Due Diligence Vendor-11/22/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60840

Closed

FCOM1209

2021-11-16 12:50

2021-12-30 02:34

Resolved

1 - Information

Compliance

Closing Package

Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty

Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor-12/30/2021

Open-Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty. Prepay rider to DOT and Prepay addendum to the note are missing. - Due Diligence Vendor-11/19/2021

Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor-12/30/2021

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Home Improvement/Reno

60840

Closed

FCOM3596

2021-12-28 17:53

2021-12-29 11:44

Resolved

1 - Information

Compliance

Missing Doc

Prepayment Rider Missing

Resolved-Received Prepayment Rider - Due Diligence Vendor-12/29/2021

Ready for Review-Document Uploaded. Addendum to NOTE - Seller-12/28/2021

Open-on page 480 it calls for an addendum, but it was not found. - Due Diligence Vendor-11/16/2021

Ready for Review-Document Uploaded. Addendum to NOTE - Seller-12/28/2021

Resolved-Received Prepayment Rider - Due Diligence Vendor-12/29/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Home Improvement/Reno

60822

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60742

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60748

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60749

Closed

FCOM1274

2021-12-01 19:29

2021-12-02 16:12

Resolved

1 - Information

Compliance

Missing Doc - Federal Disclosure

Escrow Waiver is Missing

Resolved-Escrow waiver received - Due Diligence Vendor-12/02/2021

Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-12/02/2021

Ready for Review-Document Uploaded. - Seller-12/01/2021

Open-Escrow Waiver is Missing Determine whether the lender Escrowed taxes and insurance. "It appears that "No Impounds" was handwritten on the Initial Escrow Account Disclosure Statement on pg 335."No Impounds" is also written on the Final CD on pg 173 in the Estimated Taxes, Insurance & Assessments portion on pg 1 of the FInal CD. On pg 2 of the Final CD in section G initial escrow payment at closing "No Impounds" is also handwritten. - Due Diligence Vendor-11/29/2021

Ready for Review-Document Uploaded. - Seller-12/01/2021

Resolved-Escrow waiver received - Due Diligence Vendor-12/02/2021

Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-12/02/2021

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1763 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60821

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60825

Closed

FPRO1242

2021-11-30 16:54

2021-12-01 19:34

Resolved

1 - Information

Property

Missing Doc - Appraisal

Appraisal is Missing

Resolved-Appraisal Received - Due Diligence Vendor-12/01/2021

Ready for Review-Document Uploaded. - Seller-11/30/2021

Open-Missing full appraisal, only desk review on file - Due Diligence Vendor-11/23/2021

Ready for Review-Document Uploaded. - Seller-11/30/2021

Resolved-Appraisal Received - Due Diligence Vendor-12/01/2021

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03530571992110454

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.86% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 21.94% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Lender DTI is 21.82% vs calculated DTI of 21.94% due to $10 tax different. Lender used $335.83 in taxes vs inputted $345.55 taxes.

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60829

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60831

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Home Improvement/Reno

60832

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60833

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60834

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60795

ATR/QM: Not Applicable

XXX

Investment

Purchase

60828

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60838

Closed

FCOM1621

2021-12-13 22:02

2021-12-14 15:38

Resolved

1 - Information

Compliance

Missing Doc - Federal Disclosure

Initial Escrow Account Disclosure is Missing

Resolved-Initial Escrow Account Disclosure is Resolved, Received Initial Escrow Disclosure. - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. attached - IEAD - Seller-12/13/2021

Open-Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is Missing from file - Due Diligence Vendor-12/02/2021

Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-12/02/2021

Ready for Review-Document Uploaded. attached - IEAD - Seller-12/13/2021

Resolved-Initial Escrow Account Disclosure is Resolved, Received Initial Escrow Disclosure. - Due Diligence Vendor-12/14/2021

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60869

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

60913

ATR/QM: Not Applicable

XXX

Investment

Purchase

60769

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

60792

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60793

Closed

FCOM1233

2021-12-09 23:39

2021-12-10 18:05

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present; affirmation form provided confirming lender reviewed PRA Card due to policy prohibiting copying of same. - Due Diligence Vendor-12/10/2021
Ready for Review-Document Uploaded. Perm Res - Seller-12/09/2021
Open-The Final 1003 is Incomplete Section 1a shows XXX as a permanent resident alien, no docs in file to support, XXX state license in file, seems that XXX is a US Citizen and it was marked incorrectly on the Final 1003. - Due Diligence Vendor-12/06/2021

Ready for Review-Document Uploaded. Perm Res - Seller-12/09/2021

Resolved-The Final 1003 is Present; affirmation form provided confirming lender reviewed PRA Card due to policy prohibiting copying of same. - Due Diligence Vendor-12/10/2021

Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 41.78% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.5 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More

Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.78% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Home Improvement/Reno

60808

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60890

ATR/QM: Not Applicable

XXX

Investment

Purchase

60894

ATR/QM: Not Applicable

XXX

Investment

Purchase

60919

ATR/QM: Not Applicable

XXX

Investment

Purchase

60775

Closed

FCOM1228

2021-12-08 21:11

2021-12-09 12:48

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

Other Rider is Missing

Resolved-Received Interest only rider. - Due Diligence Vendor-12/09/2021

Ready for Review-Document Uploaded. - Seller-12/08/2021

Open-INTEREST ONLY RIDER MISSING - Due Diligence Vendor-12/07/2021

Ready for Review-Document Uploaded. - Seller-12/08/2021

Resolved-Received Interest only rider. - Due Diligence Vendor-12/09/2021

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60776

ATR/QM: Not Applicable

XXX

Investment

Purchase

60920

Closed

FCRE1183

2021-12-13 16:54

2021-12-14 16:18

Resolved

1 - Information

Credit

Missing Doc - Approval Info

Approval/Underwriting Summary Partially Provided

Resolved-Final approval provided reflecting all requirements satisfied. - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. - Seller-12/13/2021

Open-Underwriting Final approval is missing, Conditional approval in file. - Due Diligence Vendor-12/10/2021

Ready for Review-Document Uploaded. - Seller-12/13/2021

Resolved-Final approval provided reflecting all requirements satisfied. - Due Diligence Vendor-12/14/2021

xxx.PDF

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60739

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60774

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

60783

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60910

ATR/QM: Not Applicable

XXX

Investment

Purchase

60914

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

60922

Closed

FCOM1233

2021-12-28 01:15

2021-12-28 16:39

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

The Final 1003 is Incomplete

Resolved-null - Due Diligence Vendor-12/28/2021

Ready for Review-Document Uploaded. corr 1003 - Seller-12/28/2021

Open-The Final 1003 is Incomplete Section 1A Personal information does not have the current address filled out; however the primary address is shown in Section 3A - Due Diligence Vendor-12/15/2021

Ready for Review-Document Uploaded. corr 1003 - Seller-12/28/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60754

Closed

FCRE1964

2021-12-16 16:45

2021-12-20 13:52

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Confirmed through agreement at time of retirement for structured payouts as well as remaining balance supporting continuance. - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. pension income - Seller-12/16/2021

Open-Missing income documentation for borrower 1 for Pension income, - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. pension income - Seller-12/16/2021

Resolved-Confirmed through agreement at time of retirement for structured payouts as well as remaining balance supporting continuance. - Due Diligence Vendor-12/20/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

60754

Closed

FCRE1503

2021-12-16 16:52

2021-12-20 13:45

Resolved

1 - Information

Credit

Missing Doc - Credit

Mortgage Statement(s) Missing

Resolved-Payments for properties taken from credit report and presumed as not escrowed, thus statement not required. - Due Diligence Vendor-12/20/2021
Ready for Review-Document Uploaded. - Seller-12/16/2021
Open-Missing mortgage statement for the following properties: XXX and XXX - Due Diligence Vendor-12/16/2021

Ready for Review-Document Uploaded. - Seller-12/16/2021

Resolved-Payments for properties taken from credit report and presumed as not escrowed, thus statement not required. - Due Diligence Vendor-12/20/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

60754

Closed

FCRE7347

2021-12-16 16:53

2021-12-20 13:44

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Confirmed stated rent amount and validated net income for this property. - Due Diligence Vendor-12/20/2021
Ready for Review-Document Uploaded. - Seller-12/16/2021
Open-Missing lease agreement for the following property: XXX - Due Diligence Vendor-12/16/2021

Ready for Review-Document Uploaded. - Seller-12/16/2021

Resolved-Confirmed stated rent amount and validated net income for this property. - Due Diligence Vendor-12/20/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

60754

Closed

FCRE7497

2021-12-16 16:53

2021-12-20 13:43

Resolved

1 - Information

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved-Full payment for this property is now in evidence. - Due Diligence Vendor-12/20/2021
Ready for Review-Document Uploaded. - Seller-12/16/2021
Open-MIssing verification on taxes and insurance for the following property: XXX - Due Diligence Vendor-12/16/2021

Ready for Review-Document Uploaded. - Seller-12/16/2021

Resolved-Full payment for this property is now in evidence. - Due Diligence Vendor-12/20/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

60762

Closed

FCOM5413

2021-12-16 16:57

2021-12-17 17:00

Resolved

1 - Information

Compliance

Missing Doc - Closing Package

Prepayment Penalty Information Unavailable

Resolved-Prepayment Penalty Information is Resolved - Due Diligence Vendor-12/17/2021

Rescinded-n/a - Due Diligence Vendor-12/17/2021

Ready for Review-Document Uploaded. Not sure what you are looking for here? Prepayment info is found on first page of CD. Please let me know what you need. - Seller-12/16/2021

Open-Prepayment Penalty Information Unavailable - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. Not sure what you are looking for here? Prepayment info is found on first page of CD. Please let me know what you need. - Seller-12/16/2021

Resolved-Prepayment Penalty Information is Resolved - Due Diligence Vendor-12/17/2021

Rescinded-n/a - Due Diligence Vendor-12/17/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

60815

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60830

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

60900

ATR/QM: Not Applicable

XXX

Investment

Purchase

60921

Closed

FCOM7646

2021-12-15 16:59

2021-12-27 13:01

Resolved

1 - Information

Compliance

QM-ATR

Originator QM Designation Differs From Final QM Status

Resolved-Originator QM Designation Of ATR/QM: Not Applicable Matches Final QM Status Of ATR/QM: Not Applicable - Due Diligence Vendor-12/27/2021

Rescinded-Originator QM Designation Of ATR/QM: Exempt Differs From Final QM Status Of ATR/QM: Exempt - Due Diligence Vendor-12/15/2021

ATR/QM: Not Applicable

XXX

Investment

Purchase

60771

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

60848

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

57762

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

57758

ATR/QM: Not Applicable

XXX

Investment

Purchase

57770

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

57771

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

57782

Closed

finding-3632

2021-11-16 23:07

2021-11-16 23:11

Resolved

1 - Information

Compliance

Disclosures (Federal, State, and Data Dependent)

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-11/16/2021

Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/16/2021

Resolved-Resolved - Due Diligence Vendor-11/16/2021

Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points

Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years

Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07784615384615384

Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

57782

Closed

finding-3634

2021-11-16 23:07

2021-11-16 23:11

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

57782

Closed

finding-3631

2021-11-16 23:07

2021-11-16 23:11

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-11/16/2021

Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/16/2021

Resolved-Resolved - Due Diligence Vendor-11/16/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

57762

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

57758

ATR/QM: Not Applicable

XXX

Investment

Purchase

57770

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

57771

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

57782

Closed

finding-3632

2021-11-16 23:07

2021-11-16 23:11

Resolved

1 - Information

Compliance

Disclosures (Federal, State, and Data Dependent)

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-11/16/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

57782

Closed

finding-3634

2021-11-16 23:07

2021-11-16 23:11

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

57782

Closed

finding-3631

2021-11-16 23:07

2021-11-16 23:11

Resolved

1 - Information

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-11/16/2021

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

56357

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

56377

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

56378

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

56392

Closed

FPRO1244

2021-10-18 22:14

2021-10-26 05:16

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received enhanced desk review showing value of XXX and variance of 0%. - Due Diligence Vendor-10/26/2021
Ready for Review-Document Uploaded. CDA - Seller-10/18/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/13/2021

Ready for Review-Document Uploaded. CDA - Seller-10/18/2021

Resolved-Received enhanced desk review showing value of XXX and variance of 0%. - Due Diligence Vendor-10/26/2021

Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years

Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

56390

ATR/QM: Not Applicable

XXX

Investment

Purchase

56399

Non-QM: Lender documented all ATR UW factors

XXX

Second Home

Purchase

56391

ATR/QM: Not Applicable

XXX

Investment

Refinance

Cash Out - Other

56417

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Purchase

56405

Non-QM: Lender documented all ATR UW factors

XXX

Primary Residence

Refinance

Cash Out - Other

56403

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

56422

ATR/QM: Not Applicable

XXX

Investment

Purchase

56428

ATR/QM: Not Applicable

XXX

Investment

Refinance

No Cash Out - Borrower Initiated

56423

Closed

FPRO1244

2021-10-22 20:54

2021-10-26 19:03

Resolved

1 - Information

Property

Missing Doc - Third Party Valuation

3rd Party Valuation Product is Required and Missing

Resolved-Received desk review showing value of XXX and variance of 0%. - Due Diligence Vendor-10/26/2021
Ready for Review-Document Uploaded. Desk Review - Seller-10/22/2021
Open-Desk review missing. Desk review ordered - Due Diligence Vendor-10/21/2021

Ready for Review-Document Uploaded. Desk Review - Seller-10/22/2021

Resolved-Received desk review showing value of XXX and variance of 0%. - Due Diligence Vendor-10/26/2021

xxx.PDF

ATR/QM: Not Applicable

XXX

Investment

Purchase

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.4

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

Loan ID

Investor ID

Seller Loan ID

Original Loan Amount

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

60478

XXX

60499

XXX

60516

XXX

60545

XXX

60571

XXX

60573

XXX

60546

XXX

60504

XXX

60619

XXX

60537

XXX

60464

XXX

60491

XXX

60493

XXX

60625

XXX

60676

XXX

60551

XXX

60620

XXX

60630

XXX

60562

XXX

60592

XXX

60512

XXX

60523

XXX

60535

XXX

60544

XXX

60543

XXX

60471

XXX

60589

XXX

60608

XXX

60604

XXX

60607

XXX

60696

XXX

60465

XXX

60466

XXX

60635

XXX

60651

XXX

60685

XXX

60498

XXX

60583

XXX

60646

XXX

60680

XXX

60593

XXX

60587

XXX

60623

XXX

60639

XXX

60670

XXX

60476

XXX

60694

XXX

60697

XXX

60710

XXX

60722

XXX

60566

XXX

60684

XXX

60691

XXX

60692

XXX

60713

XXX

60729

XXX

60730

XXX

60632

XXX

60647

XXX

60517

XXX

60712

XXX

60717

XXX

60720

XXX

60525

XXX

60590

XXX

60609

XXX

60473

XXX

60474

XXX

60640

XXX

60666

XXX

60663

XXX

60695

XXX

60714

XXX

60568

XXX

60574

XXX

60599

XXX

60711

XXX

60636

XXX

60661

XXX

60650

XXX

60553

XXX

60594

XXX

60641

XXX

60665

XXX

60703

XXX

60715

XXX

60674

XXX

60682

XXX

60601

XXX

60718

XXX

60726

XXX

60528

XXX

60548

XXX

60570

XXX

60605

XXX

60678

XXX

60709

XXX

60728

XXX

60675

XXX

60704

XXX

60706

XXX

51253

XXX

60733

XXX

60855

XXX

60819

XXX

60823

XXX

60732

XXX

60840

XXX

60822

XXX

60742

XXX

60748

XXX

60749

XXX

60821

XXX

60825

XXX

60829

XXX

60831

XXX

60832

XXX

60833

XXX

60834

XXX

60795

XXX

60828

XXX

60838

XXX

60869

XXX

60913

XXX

60769

XXX

60792

XXX

60793

XXX

60808

XXX

60890

XXX

60894

XXX

60919

XXX

60775

XXX

60776

XXX

60920

XXX

60739

XXX

60774

XXX

60783

XXX

60910

XXX

60914

XXX

60922

XXX

60754

XXX

60762

XXX

60815

XXX

60830

XXX

60900

XXX

60921

XXX

60771

XXX

60848

XXX

57762

XXX

57758

XXX

57770

XXX

57771

XXX

57782

XXX

56357

XXX

56377

XXX

56378

XXX

56392

XXX

56390

XXX

56399

XXX

56391

XXX

56417

XXX

56405

XXX

56403

XXX

56422

XXX

56428

XXX

56423

XXX

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.5

Loan ID

Customer Loan ID

Borrower Name

Seller Loan ID

Note Date

Original Loan Amount

Sales Price

Primary Appraised Value

Value for LTV

Primary Appraisal Date

Second Appraisal Value

Second Appraisal Variance Amount

Second Appraisal Variance Percent

Second Appraisal Date

Second Appraisal Type

AVM Appraised Value

AVM Variance Amount

AVM Variance Percent

AVM Confidence Score

FSD Score

AVM Vendor

AVM Appraisal Date

Desk Review Appraised Value

Desk Review Variance Amount

Desk Review Variance Percent

Desk Review Company

Desk Review Risk Score

Desk Review Appraisal Date

Desk Top Appraised Value

Desk Top Variance Amount

Desk Top Variance Percent

Desk Top Company

Desk Top Appraisal Date

BPO Appraised Value

BPO Variance Amount

BPO Variance Percent

BPO Company

BPO Appraisal Date

Field Review Appraised Value

Field Review Variance Amount

Field Review Variance Percent

Field Review Company

Field Review Appraisal Date

2055 Appraised Value

2055 Variance Amount

2055 Variance Percent

2055 Company

2055 Appraisal Date

AVE/CMA Appraised Value

AVE/CMA Variance Amount

AVE/CMA Variance Percent

AVE/CMA Company

AVE/CMA Appraisal Date

Updated Appraised Value

Updated Variance Amount

Updated Variance Percent

Updated Company

Updated Appraisal Date

Updated Appraisal Type

Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?

Collateral Underwriter Risk Score

60478

XXX

.000

XXX

Moderate

XXX

N/A

60499

XXX

.000

XXX

Moderate

XXX

N/A

60516

XXX

.000

XXX

Moderate

XXX

N/A

60545

XXX

-.029

XXX

N/A

60571

XXX

.010

XXX

N/A

60573

XXX

-.013

XXX

N/A

60546

XXX

-.006

XXX

N/A

60504

XXX

-.014

XXX

N/A

60619

XXX

.000

XXX

N/A

60537

XXX

.000

XXX

Moderate

XXX

N/A

60464

XXX

.000

XXX

Low

XXX

N/A

60491

XXX

.032

XXX

N/A

60493

XXX

.004

XXX

N/A

60625

XXX

.000

XXX

Low

XXX

N/A

60676

XXX

.000

XXX

Low

XXX

N/A

60551

XXX

.000

XXX

Low

XXX

N/A

60620

XXX

.012

XXX

N/A

60630

XXX

-.036

XXX

N/A

60562

XXX

.000

XXX

Low

XXX

N/A

60592

XXX

.000

XXX

Low

XXX

N/A

60512

XXX

.000

XXX

Moderate

XXX

N/A

60523

XXX

.000

XXX

Moderate

XXX

N/A

60535

XXX

-.070

XXX

N/A

60544

XXX

-.055

XXX

N/A

60543

XXX

.000

XXX

1004 URAR

XXX

.000

XXX

Low

XXX

N/A

60471

XXX

.026

XXX

N/A

60589

XXX

.000

XXX

Moderate

XXX

N/A

60608

XXX

.000

XXX

Moderate

XXX

N/A

60604

XXX

-.034

XXX

N/A

60607

XXX

.000

XXX

Moderate

XXX

N/A

60696

XXX

.000

XXX

Moderate

XXX

N/A

60465

XXX

.000

XXX

Low

XXX

N/A

60466

XXX

.000

XXX

Low

XXX

N/A

60635

XXX

.000

XXX

Moderate

XXX

N/A

60651

XXX

.000

XXX

Moderate

XXX

N/A

60685

XXX

-.095

XXX

.000

XXX

Moderate

XXX

N/A

60498

XXX

.071

XXX

N/A

60583

XXX

.010

XXX

N/A

60646

XXX

.001

XXX

N/A

60680

XXX

-.035

XXX

N/A

60593

XXX

-.080

XXX

N/A

60587

XXX

.094

XXX

N/A

60623

XXX

.000

XXX

Low

XXX

N/A

60639

XXX

.012

XXX

N/A

60670

XXX

.000

XXX

Moderate

XXX

N/A

60476

XXX

.000

XXX

Moderate

XXX

N/A

60694

XXX

-.047

XXX

N/A

60697

XXX

.084

XXX

N/A

60710

XXX

-.094

XXX

N/A

60722

XXX

-.018

XXX

N/A

60566

XXX

-.058

XXX

.000

XXX

Moderate

XXX

N/A

60684

XXX

-.065

XXX

N/A

60691

XXX

.015

XXX

N/A

60692

XXX

-.022

XXX

N/A

60713

XXX

.022

XXX

N/A

60729

XXX

.043

XXX

N/A

60730

XXX

.039

XXX

N/A

60632

XXX

.000

XXX

Moderate

XXX

N/A

60647

XXX

.000

XXX

Low

XXX

N/A

60517

XXX

.040

XXX

.000

XXX

Moderate

XXX

N/A

60712

XXX

-.061

XXX

N/A

60717

XXX

.000

XXX

Moderate

XXX

N/A

60720

XXX

.000

XXX

Moderate

XXX

N/A

60525

XXX

.000

XXX

Low

XXX

N/A

60590

XXX

.000

XXX

Low

XXX

N/A

60609

XXX

.000

XXX

Low

XXX

N/A

60473

XXX

.003

XXX

N/A

60474

XXX

.000

XXX

Moderate

XXX

N/A

60640

XXX

.060

XXX

N/A

60666

XXX

.000

XXX

Low

XXX

N/A

60663

XXX

-.010

XXX

N/A

60695

XXX

.019

XXX

N/A

60714

XXX

.000

XXX

Moderate

XXX

N/A

60568

XXX

-.009

XXX

.000

XXX

Moderate

XXX

N/A

60574

XXX

-.025

XXX

N/A

60599

XXX

.004

XXX

1004 URAR

XXX

.004

XXX

Low

XXX

N/A

60711

XXX

.010

XXX

N/A

60636

XXX

.000

XXX

Low

XXX

N/A

60661

XXX

-.054

XXX

N/A

60650

XXX

.000

XXX

Moderate

XXX

N/A

60553

XXX

-.052

XXX

.000

XXX

Moderate

XXX

N/A

60594

XXX

.000

XXX

Moderate

XXX

N/A

60641

XXX

.000

XXX

Moderate

XXX

N/A

60665

XXX

-.013

XXX

N/A

60703

XXX

.000

XXX

Moderate

XXX

N/A

60715

XXX

-.016

XXX

N/A

60674

XXX

.000

XXX

Moderate

XXX

N/A

60682

XXX

.135

XXX

N/A

60601

XXX

.000

XXX

Moderate

XXX

N/A

60718

XXX

-.092

XXX

N/A

60726

XXX

-.020

XXX

.000

XXX

Moderate

XXX

N/A

60528

XXX

-.048

XXX

N/A

60548

XXX

.000

XXX

N/A

60570

XXX

-.016

XXX

N/A

60605

XXX

.010

XXX

N/A

60678

XXX

-.032

XXX

N/A

60709

XXX

.000

XXX

Moderate

XXX

N/A

60728

XXX

.000

XXX

Low

XXX

N/A

60675

XXX

.020

XXX

N/A

60704

XXX

.000

XXX

Low

XXX

N/A

60706

XXX

.066

XXX

N/A

51253

XXX

.000

XXX

Moderate

XXX

N/A

60733

XXX

.000

XXX

Adequate

XXX

N/A

60855

XXX

.000

XXX

Adequate

XXX

N/A

60819

XXX

.000

XXX

Adequate

XXX

N/A

60823

XXX

.045

XXX

1025 Small Residential Income Report

XXX

.000

XXX

Adequate

XXX

N/A

60732

XXX

.000

XXX

Adequate

XXX

N/A

60840

XXX

.000

XXX

Adequate

XXX

N/A

60822

XXX

.000

XXX

Adequate

XXX

N/A

60742

XXX

.000

XXX

Adequate

XXX

N/A

60748

XXX

.000

XXX

Adequate

XXX

N/A

60749

XXX

.000

XXX

Adequate

XXX

N/A

60821

XXX

.061

XXX

1004 URAR

XXX

.000

XXX

Adequate

XXX

N/A

60825

XXX

.000

XXX

Adequate

XXX

N/A

60829

XXX

.000

XXX

Adequate

XXX

N/A

60831

XXX

.000

XXX

Adequate

XXX

N/A

60832

XXX

.000

XXX

Adequate

XXX

N/A

60833

XXX

.000

XXX

Adequate

XXX

N/A

60834

XXX

.000

XXX

Adequate

XXX

N/A

60795

XXX

.000

XXX

Low

XXX

N/A

60828

XXX

.000

XXX

Adequate

XXX

N/A

60838

XXX

.000

XXX

Adequate

XXX

N/A

60869

XXX

.006

XXX

1004 URAR

XXX

.000

XXX

Adequate

XXX

N/A

60913

XXX

.000

XXX

Adequate

XXX

N/A

60769

XXX

.389

XXX

Adequate

XXX

N/A

60792

XXX

.000

XXX

Low

XXX

N/A

60793

XXX

.000

XXX

Moderate

XXX

N/A

60808

XXX

.000

XXX

Low

XXX

N/A

60890

XXX

.000

XXX

Adequate

XXX

N/A

60894

XXX

.000

XXX

Adequate

XXX

N/A

60919

XXX

.020

XXX

1004 URAR

XXX

.000

XXX

Low

XXX

N/A

60775

XXX

.000

XXX

Low

XXX

N/A

60776

XXX

.000

XXX

Adequate

XXX

N/A

60920

XXX

.000

XXX

Moderate

XXX

N/A

60739

XXX

.000

XXX

Adequate

XXX

N/A

60774

XXX

.000

XXX

1004 URAR

XXX

.000

XXX

Moderate

XXX

N/A

60783

XXX

.000

XXX

Moderate

XXX

N/A

60910

XXX

.000

XXX

Low

XXX

N/A

60914

XXX

.000

XXX

Adequate

XXX

N/A

60922

XXX

.000

XXX

Moderate

XXX

N/A

60754

XXX

.000

XXX

Moderate

XXX

N/A

60762

XXX

.000

XXX

Adequate

XXX

N/A

60815

XXX

.000

XXX

Moderate

XXX

N/A

60830

XXX

.101

XXX

Adequate

XXX

N/A

60900

XXX

.000

XXX

Low

XXX

N/A

60921

XXX

.000

XXX

Moderate

XXX

N/A

60771

XXX

.000

XXX

Moderate

XXX

N/A

60848

XXX

.000

XXX

Adequate

XXX

N/A

57762

XXX

0.0

XXX

Adequate

XXX

N/A

57758

XXX

0.0

XXX

Adequate

XXX

N/A

57770

XXX

0.0

XXX

Adequate

XXX

N/A

57771

XXX

0.0

XXX

Adequate

XXX

N/A

57782

XXX

0.0

XXX

Adequate

XXX

N/A

56357

XXX

0.0

XXX

Adequate

XXX

N/A

56377

XXX

0.03424657534246575

XXX

1004 URAR

XXX

0.03424657534246575

XXX

Adequate

XXX

N/A

56378

XXX

0.022494887525562373

XXX

1004 URAR

XXX

0.022494887525562373

XXX

Adequate

XXX

N/A

56392

XXX

0.0

XXX

Adequate

XXX

N/A

56390

XXX

0.0

XXX

Adequate

XXX

N/A

56399

XXX

0.0

XXX

Adequate

XXX

N/A

56391

XXX

0.0

XXX

Adequate

XXX

N/A

56417

XXX

0.0

XXX

Adequate

XXX

N/A

56405

XXX

0.0

XXX

Adequate

XXX

N/A

56403

XXX

0.0

XXX

Adequate

XXX

N/A

56422

XXX

0.0

XXX

Adequate

XXX

N/A

56428

XXX

0.0

XXX

Adequate

XXX

N/A

56423

XXX

0.0

XXX

Adequate

XXX

N/A

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.6

Loan ID

Investor Loan ID

Seller Loan ID

Lender Application Date

Originator QM Status

Final QM Status

Originator QM Status Difference than Final QM Status?

Reason Why NonQM Final Status

APR Pricing Threshold Exceeded?

QM DTI Threshold Exceeded?

Higher Priced Mortgage Loan (HPML)?

Negatively Amortizing Loan?

Principal Deferment?

Interest Only Flag?

Prepayment Penalty?

Balloon Flag?

Adjustable Rate Balloon?

Loan Term Less Than 5 Years?

QM Points and Fees Threshold Exceeded?

QM Total Points and Fees

APR

ATR: Qualifying Payment Properly Considered?

ATR: Current Employment/Self-Employment Verified?

ATR: Balloon Qualifying Payment Properly Considered?

ATR: Reasonable Income or Assets Considered?

ATR: Subject PITIA Adequately Documented?

ATR: All Liabilities Including Alimony and Child Support in DTI?

ATR: Simultaneous Loan Calculated Properly

ATR: Credit History was Considered Properly?

ATR: Did Lender Document All ATR Factors?

ATR: Was an ATR/QM Residual Income Analysis Provided?

Residual Income

Residual Income Meets Guidelines?

Borrower 1 Employment Indicator

Borrower 2 Employment Indicator

Borrower 1 Foreign National Indicator

Borrower 2 Foreign National Indicator

Business Purpose Loan?

Business Purpose Verified?

60478

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60499

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60516

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60545

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60571

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60573

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60546

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60504

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60619

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60537

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60464

XXX

ATR/QM: Not Applicable

Not Tested

false

5886

4.007

N/A

Not Employed

Yes

Present

60491

XXX

ATR/QM: Not Applicable

Not Tested

false

4.226%

N/A

Not Employed

Yes

Present

60493

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60625

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60676

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60551

XXX

ATR/QM: Not Applicable

Not Tested

false

4.710%

N/A

Not Employed

Yes

Present

60620

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60630

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60562

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

7931

4.556

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60592

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

6545

4.443

Yes

N/A

Yes

N/A

Yes

N/A

Employed

Not Employed

N/A

60512

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

Yes

9625.5

4.528

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60523

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

5300

5.512

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60535

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

Yes

6073.13

4.939

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60544

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

10800

5.611

Yes

N/A

Yes

N/A

Yes

N/A

Retired

N/A

60543

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

Yes

59998.5

5.911

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60471

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

14945

5.993

Yes

N/A

Yes

N/A

Yes

N/A

Employed

Not Employed

N/A

60589

XXX

ATR/QM: Not Applicable

Not Tested

false

3.974%

N/A

Not Employed

Yes

Present

60608

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60604

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60607

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60696

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60465

XXX

ATR/QM: Not Applicable

Not Tested

false

4.623%

N/A

Not Employed

Yes

Present

60466

XXX

ATR/QM: Not Applicable

Not Tested

false

4.651%

N/A

Not Employed

Yes

Present

60635

XXX

ATR/QM: Not Applicable

Not Tested

false

4.543%

N/A

Not Employed

Yes

Present

60651

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed