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

Yes

Present

60685

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60498

XXX

ATR/QM: Not Applicable

Not Tested

false

4.074%

N/A

Not Employed

Yes

Present

60583

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60646

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60680

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60593

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60587

XXX

ATR/QM: Not Applicable

Not Tested

false

4.062%

N/A

Not Employed

Yes

Present

60623

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60639

XXX

ATR/QM: Not Applicable

Not Tested

true

4.788%

N/A

Not Employed

Yes

Present

60670

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60476

XXX

ATR/QM: Not Applicable

Not Tested

false

4.081%

N/A

Not Employed

Yes

Present

60694

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60697

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60710

XXX

ATR/QM: Not Applicable

Not Tested

true

N/A

Not Employed

Yes

Present

60722

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60566

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60684

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60691

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60692

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60713

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60729

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

2270

3.556

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60730

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60632

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60647

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60517

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

3300

4.072

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60712

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60717

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60720

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Employed

Yes

Present

60525

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

Yes

9230.08

5.839

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60590

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

Yes

33560

3.521

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60609

XXX

Non-QM: Lender documented all ATR UW factors

Qualifying DTI Exceeds 43%

Not Tested

Yes

false

1593.75

5.33

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60473

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

5694

5.635

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60474

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

2795

3.956

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60640

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

4676.25

3.529

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60666

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

6439.5

3.95

Yes

N/A

Yes

N/A

Yes

N/A

Employed

Not Employed

N/A

60663

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

11080

3.259

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60695

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

Yes

6191.38

4.938

Yes

N/A

Yes

N/A

Yes

N/A

Not Employed

N/A

60714

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

10689.95

4.841

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60568

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

7065

4.408

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60574

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

10400

5.388

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60599

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

16835

3.841

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60711

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

11858.75

3.943

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60636

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

Yes

46200

3.943

Yes

N/A

Yes

N/A

Yes

N/A

Employed

Not Employed

N/A

60661

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

5143.75

3.91

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60650

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

13187.5

4.131

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60553

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

true

14595

4.674

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60594

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

9970.62

3.96

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60641

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

20000

3.356

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60665

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

15000

3.692

Yes

N/A

Yes

N/A

Yes

N/A

Employed

Not Employed

N/A

60703

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

10070

5.049

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60715

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

9918

3.984

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60674

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60682

XXX

ATR/QM: Not Applicable

Not Tested

false

4.067%

N/A

Not Employed

Yes

Present

60601

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

9750

4.218

Yes

N/A

Yes

N/A

Yes

N/A

Employed

Not Employed

N/A

60718

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

12732.5

6.081

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60726

XXX

ATR/QM: Not Applicable

Not Tested

true

N/A

Employed

Yes

Present

60528

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

5615

3.251%

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60548

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

11637

3.834

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60570

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

8175

4.366

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60605

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

10092.5

6.285

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60678

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

10502.75

4.165

Yes

N/A

Yes

N/A

Yes

N/A

Not Employed

N/A

60709

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

10045

3.894

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60728

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

12400

5.092%

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60675

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

7799

4.330%

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60704

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

60706

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Not Employed

Yes

Present

51253

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60733

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

4316

3.444

Yes

N/A

Yes

N/A

Yes

N/A

Not Employed

Employed

N/A

60855

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

13475.69

4.694

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60819

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Not Employed

Yes

Present

60823

XXX

ATR/QM: Not Applicable

Not Tested

Yes

N/A

true

Yes

36950.47

5.157

N/A

Not Employed

Yes

Present

60732

XXX

Non-QM: Lender documented all ATR UW factors

Interest Only

Not Tested

Yes

true

2476.08

3.202

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60840

XXX

ATR/QM: Not Applicable

Not Tested

Yes

N/A

false

Yes

7583.75

5.435

Yes

N/A

Employed

Yes

Present

60822

XXX

ATR/QM: Not Applicable

Not Tested

Yes

true

Yes

N/A

Yes

Present

60742

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Not Employed

Yes

Present

60748

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Employed

Yes

Present

60749

XXX

ATR/QM: Not Applicable

Not Tested

Yes

N/A

false

Yes

3285.69

4.548

N/A

Employed

Yes

Present

60821

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

true

24255

3.624

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60825

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

7235

5.036

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60829

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

N/A

Yes

Present

60831

XXX

ATR/QM: Not Applicable

Not Tested

Yes

N/A

false

5228

4.327

N/A

Yes

Present

60832

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

N/A

Employed

Yes

Present

60833

XXX

ATR/QM: Not Applicable

Not Tested

Yes

N/A

false

6081.88

4.369

N/A

Employed

Yes

Present

60834

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

N/A

Employed

Yes

Present

60795

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Not Employed

Yes

Present

60828

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

9931.25

3.811

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60838

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Employed

Yes

Present

60869

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Not Employed

Yes

Present

60913

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Not Employed

Yes

Present

60769

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Not Employed

Yes

Present

60792

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

3208

4.682

Yes

N/A

Yes

N/A

Yes

N/A

Not Employed

Employed

N/A

60793

XXX

ATR/QM: Not Applicable

Not Tested

Yes

N/A

false

Yes

14076

5.092

N/A

Not Employed

Yes

Present

60808

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Employed

Yes

Present

60890

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Yes

Present

60894

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Employed

Yes

Present

60919

XXX

ATR/QM: Not Applicable

Not Tested

Yes

true

N/A

Employed

Yes

Present

60775

XXX

ATR/QM: Not Applicable

Not Tested

Yes

true

Yes

N/A

Not Employed

Yes

Present

60776

XXX

ATR/QM: Not Applicable

Not Tested

Yes

true

N/A

Employed

Yes

Present

60920

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

11535

4.378

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60739

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

true

1374.6

3.393

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60774

XXX

Non-QM: Lender documented all ATR UW factors

Qualifying DTI Exceeds 43%

Not Tested

false

1910

3.771

Yes

N/A

Yes

N/A

Yes

N/A

Employed

Not Employed

N/A

60783

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

true

3911

4.922

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60910

XXX

ATR/QM: Not Applicable

Not Tested

Yes

true

Yes

N/A

Not Employed

Yes

Present

60914

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

Yes

false

10082

3.909

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60922

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Employed

Yes

Present

60754

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

N/A

Retired

Not Employed

Yes

Present

60762

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Not Employed

Yes

Present

60815

XXX

Non-QM: Lender documented all ATR UW factors

Interest Only

Not Tested

Yes

true

1811

4.016

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

60830

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Not Employed

Yes

Present

60900

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

N/A

Yes

Present

60921

XXX

ATR/QM: Not Applicable

Not Tested

Yes

false

Yes

N/A

Yes

Present

60771

XXX

Non-QM: Lender documented all ATR UW factors

Interest Only

Not Tested

Yes

true

2297.4

3.912

Yes

N/A

Yes

N/A

Yes

N/A

Not Employed

Employed

N/A

60848

XXX

Non-QM: Lender documented all ATR UW factors

Interest Only

Not Tested

Yes

true

26859

4.028

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

57762

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Employed

Yes

Present

57758

XXX

ATR/QM: Not Applicable

Not Tested

true

N/A

Employed

Yes

Present

57770

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

27000.65

3.116

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

57771

XXX

ATR/QM: Not Applicable

Not Tested

false

Yes

N/A

Not Employed

Yes

Present

57782

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

9846.95

3.99

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

56357

XXX

ATR/QM: Not Applicable

Not Tested

N/A

false

Yes

1421.00

4.734

N/A

Yes

Present

56377

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

29969.00

3.006

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

56378

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

true

44640.54

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

56392

XXX

ATR/QM: Not Applicable

Not Tested

true

N/A

Employed

Yes

Present

56390

XXX

ATR/QM: Not Applicable

Not Tested

false

Yes

N/A

Yes

Present

56399

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

N/A

true

8012.20

3.29

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

56391

XXX

ATR/QM: Not Applicable

Not Tested

false

Yes

7045.00

N/A

Yes

Present

56417

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

true

39539.31

4.03

Yes

N/A

Yes

N/A

Yes

N/A

Employed

N/A

56405

XXX

Non-QM: Lender documented all ATR UW factors

Appendix Q Documentation

Not Tested

false

16806.00

3.701

Yes

N/A

Yes

N/A

Yes

N/A

Employed

Not Employed

N/A

56403

XXX

ATR/QM: Not Applicable

Not Tested

true

Yes

N/A

Yes

Present

56422

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Employed

Not Employed

Yes

Present

56428

XXX

ATR/QM: Not Applicable

Not Tested

false

N/A

Retired

Yes

Present

56423

XXX

ATR/QM: Not Applicable

Not Tested

true

Yes

N/A

Employed

Yes

Present

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.7

Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value
60635	XXX	Application Date	the1003Page	XXX	XXX
60651	XXX	Application Date	the1003Page	XXX	XXX
60685	XXX	Application Date	the1003Page	XXX	XXX
60498	XXX	Application Date	the1003Page	XXX	XXX
60646	XXX	Borrower 1 Citizen	the1003Page	Foreign National	Permanent Resident Alien
60680	XXX	Application Date	the1003Page	XXX	XXX
60730	XXX	Loan Amount/Draw Amount	notePage	XXX	XXX
60855	XXX	Property Type	propertyValuationPage	PUD	Condominium
60840	XXX	DSCR	diligenceFinalLookPage	0.92	0
60840	XXX	Prepayment Penalty Total Term	notePage	0	12
60822	XXX	DSCR	diligenceFinalLookPage	0.86	1.26
60821	XXX	Primary Appraised Property Value	diligenceFinalLookPage	XXX	XXX
60829	XXX	Property Type	propertyValuationPage	Single Family Attached	Single Family Detached
60831	XXX	Property Type	propertyValuationPage	Single Family Attached	Single Family Detached
60828	XXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	37.01	33.802
60910	XXX	DSCR	diligenceFinalLookPage	0.75	1.05
60771	XXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	30.64	24.917
57762	XXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	38.06	45.748
56377	XXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	36.92	48.196

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.8

May 9, 2022

Due Diligence Narrative Report

Table of Contents

Clayton Contact Information	2
Overview	2
Originators	2
Clayton’s Third Party Review (“TPR”) Scope of Work	3
Review scope	3
# of Files Reviewed	3
Loan Grading	3
TPR Component Review Scope	4
Credit Review	4
Property Valuation Review	4
Regulatory Compliance Review	5
Data Integrity	6
Data Capture	7
Clayton Due Diligence Results	7
Data Compare Results	10
Clayton Third Party Reports Delivered	10
Appendix A: Credit Review Scope	11
Appendix B: Origination Appraisal Assessment	13
Appendix C: Regulatory Compliance Review Scope	16

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Clayton Contact Information

Client Service Management:

Michael Santarsiere

Client Service Manager

Phone: (813) 371-0280/E-mail: msantarsiere@clayton.com

Joe Ozment

Director of Securitization

Phone: (813) 261-0733/E-mail: jozment@clayton.com

Overview

On behalf of MFA, Clayton conducted an independent third-party pre-securitization due diligence review of 7 residential loans.

On behalf of Citadel Servicing, Clayton conducted an independent third-party pre-securitization due diligence review of 105 residential loans.

MFA subsequently purchased these loans via reliance letter and selected them for the MFA 2022-NQM2 Transaction.

The loans referenced in this narrative report were reviewed on a bulk and flow loan basis from June 2019 to December 2021. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton’s review.

Originators

Origination channels for the loans in this review:

Origination Channel	Loan Count	Percentage
Broker	109	97.32%
Retail	3	2.68%
Total	112	100.00%

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Clayton’s Third Party Review (“TPR”) Scope of Work

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

Review scope	# of Files Reviewed
Credit Review	112
Property Valuation Review	112
Regulatory Compliance Review	108
Data Integrity Check	112

Loan Grading

Each loan received an “initial” and a “final” grade. The “initial” grade was assigned during the initial loan review. The “final” grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton’s loan grading is solely based on Clayton’s independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton’s loan grading complied with rating agency grading definitions published by Moody’s, Standard and Poor’s, Fitch, Morningstar, Kroll and DBRS.

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TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

Credit Review

Clayton’s Credit scope of review conducted on 112 loans on this transaction included the following elements (for more detail, please refer to Appendix A):

Compared the loan documentation found in the loan file to the origination guidelines;

Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the stated seller origination guidelines;

Analyzed asset statements in order to determine that funds to close and reserves were within origination guidelines;

Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

Evaluated for evidence of borrower’s willingness and ability to repay the obligation;

Examined income, employment, assets, and occupancy status for reasonability;

Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

Listed the property type as Coop, as applicable;

Reviewed for condo warranty documentation, as applicable;

Property Valuation Review

Clayton’s Property Valuation scope of review conducted included the following elements:

Original Appraisal Assessment (112 loans)

Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

For more detail on the original appraisal review, please refer to Appendix B and to the guidelines cited above.

Value Supported Analysis (112 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

AVM

BPO

Desk Review

Field Review

For further detail please refer to the MFA 2022-NQM2 Valuations Summary Report

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Regulatory Compliance Review

Clayton’s regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to Appendix C.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

Truth-in-lending/regulation Z (TILA) testing included the following:

Notice of Right to Cancel (Right of Rescission) adherence if applicable;

TIL Disclosure Timing (3/7/3) and disclosure content;

TIL APR and Finance charge tolerances;

Timeliness of ARM Disclosures (if applicable);

Section 32 APR and Points and Fees Thresholds and prohibited practices;

Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on Appendix C attached hereto.

TILA/RESPA Integrated Disclosure Scope (‘Covered Loans’ with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on Appendix C attached hereto.

Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than ‘Covered Loans’ and loans with an Application Date prior to 10/3/2015:

GFE initial disclosure timing and content;

Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

Homeownership Counseling Notice;

Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 (“TRID Effective Date”), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel’s interpretations of the published regulations as of the TRID Effective Date. Clayton’s scope was commercially reasonable as it relates to a Third Party Review (“TPR”) firm’s role as TPR conducting an independent third-party pre-securitization due diligence review (“Initial TRID Scope”). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope © documentation, developed under the leadership of members from Third Party Review (“TPR”) firms across the industry and SFIG’s RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act (“TILA) – Real Estate Settlement Procedures Act (“RESPA”) Integrated Disclosure (“TRID”) Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

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Following the June 15^th formal publication of the RMBS 3.0 TRID Compliance Review Scope ©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by MFA.

Compliance Review (Business Purpose, Non-Owner Occupied)

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower’s (or in the case of rescission a title holder’s) principal residence. Most other consumer protection laws extend to a borrower’s secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

Cook County High Cost Ordinance

Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton’s audit law firm determined that only principal residences should be tested for high cost.

Anti-predatory lending laws

Minnesota §58 on or after 8/1/2008

Virginia Lender and Broker Act after 6/1/2008

Prepayment Penalties and Late Charges in certain states

Taxpayer First Act: Consent to share IRS-provided tax information sent by the IRS on or after 12/28/2019.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 112 reviewed loans, by completing the following steps:

Tape data received from seller/client is stored in eCLAS;

Loan reviewer collects validated loan data in eCLAS;

Each received data point is compared to its counterpart collected data point;

Discrepancies found during comparison are stored;

Each discrepancy is reported in a Loan Level Tape Compare Upload.

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Data Capture

Clayton collected data fields required to create American Securitization Forum (“ASF”) and Standard and Poor’s LEVELS 7.4.3 data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

Clayton Due Diligence Results

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

Initial and Final Overall Loan Grade Results

	Overall Grade Migration
	Initial
Final		A	B	C	D	Total
	A	42		7	33	82
	B		15	2	13	30
	C					0
	D					0
	Total	42	15	9	46	112

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

Initial and Final Credit Component Grade Results

	Credit Grade Migration
	Initial
Final		A	B	C	D	Total
	A	85		2	3	90
	B		19	1	2	22
	C					0
	D					0
	Total	85	19	3	5	112

Initial and Final Property Valuation Grade Results

	Property Valuation Grade Migration
	Initial
Final		A	B	C	D	Total
	A	59		10	41	110
	B		1		1	2
	C					0
	D					0
	Total	59	1	10	42	112

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Initial and Final Regulatory Compliance Grade Results

	Compliance Grade Migration
	Initial
Final		A	B	C	D	Total
	A	98		2	1	101
	B		5	1	1	7
	C					0
	D					0
	Total	98	5	3	2	108*

*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (4 loans in pool)

Initial and Final Overall Loan Grade Results (S&P)

	Overall Grade Migration (S&P)
	Initial
Final		A	B	C	D	Total
	A	42		3	32	77
	B		15	6	14	35
	C					0
	D					0
	Total	42	15	9	46	112

Initial and Final Credit Component Grade Results (S&P)

	Credit Grade Migration (S&P)
	Initial
Final		A	B	C	D	Total
	A	85		2	3	90
	B		19	1	2	22
	C					0
	D					0
	Total	85	19	3	5	112

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Initial and Final Property Valuation Grade Results (S&P)

	Property Valuation Grade Migration (S&P)
	Initial
Final		A	B	C	D	Total
	A	59		2	39	100
	B		1	8	3	12
	C					0
	D					0
	Total	59	1	10	42	112

Initial and Final Regulatory Compliance Grade Results (S&P)

	Compliance Grade Migration (S&P)
	Initial
Final		A	B	C	D	Total
	A	98		2	1	101
	B		5	1	1	7
	C					0
	D					0
	Total	98	5	3	2	108*

*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (4 loans in pool)

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data Compare Results

Clayton provided MFA with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 112 loans reviewed.

Field Name	# of Loans	Accuracy %
Borrower 1 First Name	1	99.11%
Borrower 1 Last Name	1	99.11%
Borrower 1 Total Income	1	99.11%
Borrower 2 First Name	5	95.54%
Borrower 2 Last Name	10	91.07%
Cash Reserves	3	97.32%
Combined LTV	2	98.21%
Credit Report Date	3	97.32%
Debt to Income Ratio (Back)	5	95.54%
First Rate Change Date	5	95.54%
Loan Purpose	1	99.11%
Maximum Rate	3	97.32%
Next Rate Change Date	4	96.43%
Original Appraisal Date	1	99.11%
Original Appraised Value	1	99.11%
Original LTV	2	98.21%
Origination Channel	1	99.11%
Origination Date	79	29.46%
Product Type	2	98.21%
Property Type	10	91.07%
Representative Credit Score for Grading	1	99.11%
Total Monthly Income	23	79.46%

Clayton Third Party Reports Delivered

Clayton furnished the following reports on this transaction:

Narrative Report

ASF Upload Report

Non ATR QM Upload

Conditions Report

Valuation Summary

Loan Level Tape Compare

Waived Conditions Summary

Attestation Forms

15E Form

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Appendix A: Credit Review Scope

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

DTI

LTV/TLTV/HLTV

Credit score

Income and employment

Assets and reserves

Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

Transaction eligibility, including:

- Maximum loan amount

- Loan purpose

- Occupancy

Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

Uniform Residential Loan Application reviewed to determine:

Initial loan application was in the loan file and was signed by all borrowers

Final loan application was in the loan file and was complete

Information and debts disclosed on loan application aligned with related documentation in the loan file

Employment analyzed and verified through use of various documents, including:

Income documentation

Verbal and/or written verifications of employments (VVOE, VOE)

CPA letter

Business licenses

Tax transcripts (IRS Form 4506-T)

Related Documentation

Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

Affiliated Business Disclosure (can impact fee tolerances)

Outside of Clayton’s default TRID scope:

Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

Whether the Liability after Foreclosure selection is correct for the property state.

Accuracy of the Aggregate Adjustment amount.

Presence and accuracy of the Seller’s Transaction columns of the Summaries of Transactions section.

Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

FACTA - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

HMDA – Whether the loans is Rate Spread threshold reportable.

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STATE, COUNTY and MUNICIPAL LAW

Higher-Priced

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

Higher-Priced
California	Maryland	New York
Connecticut	Massachusetts (subprime ARMS to first time homebuyers)	North Carolina
Maine	Minnesota

State/Local High Cost

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

State/Local High Cost
Arkansas	Maine	Pennsylvania
California	Maryland	Rhode Island, including the Providence ordinance
Colorado	Massachusetts	South Carolina
Connecticut	Nevada	Tennessee
District of Columbia	New Jersey	Texas
Florida	New Mexico	Utah
Georgia	New York	Vermont (High Rate, High Point law)
Illinois, including the Cook County and Chicago ordinances	North Carolina	Wisconsin
Indiana	Ohio, including Cleveland Heights ordinance
Kentucky	Oklahoma

Anti-Predatory

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

Minnesota (Mortgage Originator and Service Licensing Act)

Puerto Rico (Office Regulation 5722)

Texas (Texas Finance Code)

West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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Borrower’s Interest

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower’s interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

Borrower’s Interest
Maine	Ohio	South Carolina
Massachusetts	Rhode Island

Consumer Protection

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

Consumer Protection
Alabama (the “Mini-code”)	Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act)
Hawaii (Financial Services Loan Company Act)	Nevada (AB 440
Idaho (Residential Mortgage Practices Act)	Ohio (Consumer Sales Practices Act; whether the loan is in Summit County)
Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act)	Texas (Article XVI, Section 50(a)(6) of the Texas Constitution)
Iowa (Consumer Credit Code)	Utah (Consumer Credit Code)
Kansas (Consumer Credit Code)	Virginia (Mortgage Lender and Broker Act)
Kentucky (HB 552)	Washington (Consumer Loan Act and Responsible Mortgage Lending Act)
Maryland (DLLR Regulations, Commercial Law)	West Virginia (Consumer Credit Protection Act)
Massachusetts (Attorney General regulations)	Wyoming (Residential Mortgage Practices Act)
Michigan (Consumer Mortgage Protection Act)

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

Texas Equity

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to

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confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

GSE Testing

Clayton can review loans to determine whether they comply with Fannie Mae’s and Freddie Mac’s Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

Disclaimer

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton’s review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

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MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.9

Client Name:
Client Project Name:		MFA 2022-NQM2
Start - End Dates:		6/26/2019 - 12/28/2021
Deal Loan Count:		112


Conditions Report 2.0

Loans in Report:		112
Loans with Conditions:		73

34 - Total Active Conditions
	34 - Non-Material Conditions
		25 - Credit Review Scope
			3 - Category: Application
			1 - Category: Assets
			14 - Category: Credit/Mtg History
			1 - Category: LTV/CLTV
			6 - Category: Terms/Guidelines
		2 - Property Valuations Review Scope
			2 - Category: FEMA
		7 - Compliance Review Scope
			1 - Category: Documentation
			1 - Category: Right of Rescission
			1 - Category: State Consumer Protection
			2 - Category: TILA
			2 - Category: TILA/RESPA Integrated Disclosure
84 - Total Satisfied Conditions

		11 - Credit Review Scope
			5 - Category: Application
			1 - Category: Assets
			1 - Category: Income/Employment
			3 - Category: Insurance
			1 - Category: Legal Documents
		59 - Property Valuations Review Scope
			47 - Category: Appraisal
			2 - Category: FEMA
			10 - Category: Value
		14 - Compliance Review Scope
			1 - Category: Compliance Manual
			2 - Category: Documentation
			1 - Category: Federal Consumer Protection
			2 - Category: Finance Charge Tolerance
			1 - Category: Right of Rescission
			7 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

©2022 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.10

Client Name:
Client Project Name:	MFA 2022-NQM2
Start - End Dates:	6/26/2019 - 12/28/2021
Deal Loan Count:	112


Conditions Report 2.0

Loans in Report:	112
Loans with Conditions:	73

Loan Number

Original Principal Balance

State

Initial Lender ATR/QM Status

Loan Level ATR/QM Status

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Condition Category

Condition Sub Category

Condition Status

Initial Securitization Condition Grade

Final Securitization Condition Grade

Initial S&P Condition Grade

Final S&P Condition Grade

Condition Code

Condition Description

Condition Material Indicator

Initial Comments

Client/Seller Response Comments

Conclusion Comments

TRID Error Type

Cure Method

Compensating Factors

60463

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Credit/Mtg History

Active

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

Borrower owns 22 properties, 8 are financed with Lender which exceeds GL max of 4, lender did provide a approved exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  749 qualifying score. Min required per guidelines is 725.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30x99, GL require 0x30x12.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $99,646.68 or 48.48 months PITIA, Reserves not required due to 65% LTV

60467

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 60%; max allowed per guidelines is 70%.

60472

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

Exception satisfied

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 84.970%; max allowed per guidelines is 90%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $13,068.40 or 7 months PITIA, guidelines required 6 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 47.27%, max per guidelines is 50%.

60472

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Credit/Mtg History

Active

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

# of Tradelines Does Not Meet Guideline Requirements. Yes, currently 2 GL require 3.

(No Data)

Not Applicable

26705

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

N/A

PRVAAPPR3116

Missing updated valuation

Missing 3rd Party valuation to support appraised value.

10.7.19 XXX Desk Review received value supported.

10.7.19 Exception Satisfied.

(No Data)

Not Applicable

(No Data)

26705

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

FEMA

Satisfied

PRVAFEMA4817

Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)

Natural XXX

11.15.19 Post XXX (PDI) confirms no damage to property.

11.15.19 Exception Satisfied.

(No Data)

Not Applicable

(No Data)

25728

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.66% is below guideline maximum DTI.

CFCFS2860: Good credit history
- Clayton Comments: Borrower has a good credit history with no recent late payments.

27397

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

FEMA

Active

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

Missing subsequent inspections a result of the XXX

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years 9  month at the current job.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 11.72% is below Program Guidelines of 50.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 16 years at the current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 34 years in their profession.

31756

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

FEMA

Satisfied

PRVAFEMA858

Natural Disaster Area, no subsequent inspection (Individual & Public)

XXX. A XXX inspection report is required.

08/28/2020 Client provided a PDI indicating no damage

08/28/2020 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 773 mid-score per credit report in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 99 months of 0x30 consumer credit history; 24 months required.

31743

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation to support original appraisal value.

11.01.19 Desk Review received value supported.

11.01.19 Exception Satisfied.

(No Data)

Not Applicable

(No Data)

41496

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

Finance Charge Tolerance

Satisfied

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

Numeric Material Error.Total Finance charge on Final CD $634825.52 Review total Finance charge is $634964.77 Difference of $139.25.

8.22.19 Client response We had discussed this outstanding exception with you a few weeks back. Clayton had called out a finance charge calculation issue. MY QC department is saying the payment stream screen shots below suggest you may have used the wrong index in your review. Verbatim from QC is 2.34 index back on XXX valid till XXX loan funded on XXX. They used a 2.95 8.22.19 Clayton sent to compliance department for review XXX 8.26.19 Clayton compliance response There is a misunderstanding on their part. We did not use an index of 2.95; that number is the margin. We actually used a lower index value of 2.02; we would have shown a larger under disclosure using 2.34. Therefore the issue must be more in terms of fees. We included the prepaid interest, e-recording fee, underwriting fee and broker fee 8.29.19 Client comment You can disregard the program question, l just heard from my QC team that they identified a $350 title fee that we mistakenly marked as Non APR. Our plan here is to refund the borrower all monies above the disclosed finance charge ($139.25) and issue a PCCD showing the correct finance charge and the refund. The CD will be accompanied by a 1640b letter since were outside of the 60 day window for TRID corrections. Unless Clayton has another suggestion, this is how CSC is going to proceed. 8.30.19 Clayton compliance review if the violation is not a TRID violation, then if the lender/servicer/investor provides a detailed LOE, proof of delivery and a copy of the check we do not need to require the PCCD. It sounds to me that the only violation here is a finance charge violation, in which case we can allow the cure that i mentioned. 9.3.19 Client provided copy of refund check, LOX and proof of delivery.

9.3.19 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 3 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's score is 782 with minimum score being 700

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: Verified assets in the amount of $298,479.93. $117,261.22 reserves.

41496

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

Finance Charge Tolerance

Satisfied

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

Numeric Material ErrorCD: XXX Loan Calculations, Amount Financed, XXXAmount Financed as Calculated, Value: XXX

9.3.19 Client provided copy of check for 139.25, LOX and proof of delivery

9.3.19 Exception satisfied

Numeric

Not Applicable

41496

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Active

CMPTRID4242

TRID - CD: The Paid Already by or on Behalf of Borrower at Closing amount disclosed in the CD Summary of Transactions section does not equal its component parts

Numeric Non Material ErrorCD: XXX, Summaries of Transactions, L. Paid Already by or on Behalf of Borrower at Closing - Total, disclosed as $771767.37This figure calculates out to be $741048.66.

(No Data)

Numeric

Not Applicable

41496

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Active

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

Numeric Non Material ErrorCD: XXX, Summaries of Transactions, Adjustments and Other Credits Calculation is ($168,598.66)This figure calculates out to be $199317.37.

(No Data)

Numeric

Not Applicable

41496

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation to support original appraised value of $XXX

6.27.19 An AVM was received with a reported value of $XXX which supports the original appraised value

6.27.19 Exception Satisfied

(No Data)

Not Applicable

51275

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Application

Active

CRDAPP5430

FNMA Application Form is Outdated

Application taken on XXX and completed on the old form 1003 and not on the new XXX form dated XXX.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified Assets of $93,048.16 less Cash to Close $1,287.04 = Reserves $91,761.12/35.10 Months Reserves. Reserves are not required due to LTV 69.99%.

60477

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1736: Significant time at current residence
- Clayton Comments: 15 years at current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Assets: Assets verified at $11,881.24 plus cash to borrower $136,730.78 equals $148,612.02 or 103.59 months PITIA. No reserves required due to 1.335 DSCR.

56019

XXXXXX

(No Data)

ATR/QM: Exempt

Compliance

Documentation

Active

CMPDOC2860

TILA - Loan Originator Organization Name or ID missing from application.

N/A per 1003 on file.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower have significant time of 5 years in current residence.

56019

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Application

Active

CRDAPP5430

FNMA Application Form is Outdated

Application taken on XXX and completed on the old form 1003 and not on the new XXX form dated XXX.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower have significant time of 5 years in current residence.

60479

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30x29, GL require 0x90x12

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 6 years at the current job

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 45.24 below requirements <50%

60480

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

12/27/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/27/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 34.15%; max allowed per guidelines is 65%.

60481

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraised value. Clayton ordered on behalf of client.

12/22/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/22/2021 exception satisifed

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Assets verified at $35,733.82 plus cash to borrower $1,238.67 equals 21.42 months PITI. No reserves required.

60481

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX , and confidence score of 89. AVM FSD of 11, exceeds max of 10. Clayton ordered Desk review on behalf of client.

12/22/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/22/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Assets verified at $35,733.82 plus cash to borrower $1,238.67 equals 21.42 months PITI. No reserves required.

60483

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Credit/Mtg History

Active

CRDCRMH148

Credit report stale dated at closing

Credit report date XXX and stale dated 77 days at closing XXX.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30x70, GL require 0x30x12

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $17492.46 or 2.80 months PITIA, reserves not required due to 52.83% LTV

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with XXX for 37 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced $728.41 per month

60484

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $243,034.44 or 130.97 months PITIA, guidelines required 0 months PITIA.

60485

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

(No Data)

12/01/2021 AVM received and supports value

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 32.76%; max allowed per guidelines is 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 20 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been XXX for 35 years.

56065

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

Compliance Manual

Satisfied

CMPMAN2956

Missing disclosure

COC reflects LE dated XXX was issued. Missing LE dated XXX.

10/14/2021: Lender provided LE XXX.

10/14/2021: Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 47.95% is 27.05% below maximum LTV of 75%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 5 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  53 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified assets of $23,241.79 = Post closing cash reserves $23,241.79/7.73 Months reserves.  No  reserves required

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Payment reduction from $3,831.37 to $3,006.51.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 16.11% is 33.89% below maximum DTI of 50%.

56065

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

CMPTRID3706

TRID - Curable Issue #1 related to the Closing Disclosure in file

Federal higher-priced mortgage loan; no evidence escrow account was established at closing.

10/25/2021: Lender asked if adding the escrow impounds and reopening the rescission period will be sufficient to clear the exception. Request has been sent to Sr. Compliance for review.10/28/2021: After review from Sr. Compliance, cure is either taking loan out of HPML or adding escrow account under 130(b) within 60 days of discovery. 12/15/2021: Lender provided PCCD XXX

1/26/2022: Exception satisfied.

(No Data)

Not Applicable

56065

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Income/Employment

Satisfied

CRDINC3204

Income Documentation Missing

Verification of CPA is missing from credit file.

10/21/2021 lender provided CPA Verification

10/21/2021 exception satisfied

(No Data)

Not Applicable

56065

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

Appraised Value of $XXX, with XXX. Clayton ordered on behalf of client.

10/19/2021 VRA Desk Review received from Service 1st supporting appraisal value.

10/19/2021 exception satisfied

Not Applicable

60487

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 49.34%; max allowed per guidelines is 75%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  693 qualifying score. Min required per guidelines is 675

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 10 years.

60490

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Assets verified at $143,697.16 less cash from borrower $94,304.26 equals $49,392.90 or 26.39 months PITIA. No reserves required due to 0.908 DSCR.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 786 qualifying score. Min required per guidelines is 750.

60492

XXXXXX

(No Data)

ATR/QM: Exempt

Compliance

Documentation

Satisfied

CMPDOC191

Missing Mortgage

Mortgage is missing from file.

12.27.21 Client provided the mortgage.

12.27.21 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 3 years 8 months.

60492

XXXXXX

(No Data)

ATR/QM: Exempt

Compliance

Documentation

Satisfied

CMPDOC195

Missing Note

Note is missing from file.

12.27.21 Client provided the note.

12.27.21 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 3 years 8 months.

60492

XXXXXX

(No Data)

ATR/QM: Exempt

Compliance

Federal Consumer Protection

Satisfied

CMPFDCP304

TILA - Transaction date unknown/missing

Transaction date is unknown since note and mortgage are missing from file.

12.27.21 Client provided the note.

12.27.21 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 3 years 8 months.

60492

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX, and confidence score of 82. AVM FSD of 17.7, exceeded max of 13. Clayton ordered Desk Review on behalf of Client.

12/22/2021 CDA Desk Review received from XXX supporting appraisal value.

12/22/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 3 years 8 months.

60495

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Credit

Application

Satisfied

CRDAPP4625

The orig file does not contain a third party fraud report

Missing third party fraud report

1.7.2022- Lender provided fraud report.

1.7.2022- Exception satisfied.

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $339,842.89 or 61.09 mo. PITI, reserves not required due to 70% LTV

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 32 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  763 qualifying score. Min required per guidelines is 750.

60495

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Credit

Credit/Mtg History

Active

CRDCRMH148

Credit report stale dated at closing

Per the guidelines. the credit report expires 60 days as of the date the documents are signed by the borrower. Credit report dated XXX; note date XXX or 85 days after the credit report was pulled.

(No Data)

Not Applicable

60500

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 49.220%; max allowed per guidelines is 75%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for 35 months when 24 months are required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 750.

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

Seller fees listed on Seller Settlement Statement but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

Exception satisfied

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI is 42.14%, max per guidelines is 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $40,204.13 or 36 months PITIA, guidelines required 6 months PITIA.

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

Earliest CD in file is dated XXX and signed at closing.

12.28.21 Client provided CD dated XXX

12.28.21 Exception satisfied.

(No Data)

Not Applicable

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

Earliest CD in file is dated XXX and signed at closing. Per email receipt an initial CD was provided on XXX but it is missing from file.

12.28.21 Client provided CD dated XXX

12.28.21 Exception satisfied.

(No Data)

Not Applicable

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Application

Satisfied

CRDAPP4625

The orig file does not contain a third party fraud report

The orig file does not contain a third party fraud report.

12/31/2021 lender provided DataV Fraud Reporting

12/31/2021 exception satisfied

Not Applicable

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Credit/Mtg History

Active

CRDCRMH148

Credit report stale dated at closing

Credit Report dated XXX with Note dated XXX. Credit Report was > 60 days of closing.

(No Data)

Not Applicable

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Credit/Mtg History

Active

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

# of Tradelines Does Not Meet Guideline Requirements. Currently 1 per GL 3 required.

(No Data)

Not Applicable

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Insurance

Satisfied

CRDINSR289

Insufficient Hazard Insurance Coverage

Insufficient Hazard Insurance Coverage, coverage $XXX

1.5.2022-Hazard insurance Document provided is an estimate and not the actual declaration page. Exception remains.01/12/2022 lender provided RCE

01/12/2022 exception satisfied

(No Data)

Not Applicable

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Terms/Guidelines

Active

CRDTER3122

Loan documents do not meet guideline requirements

XXX Form 1003 dated XXX used, should be XXX

(No Data)

Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for DTI and Reserves.

(No Data)

Not Applicable

60501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

XXX discloses -29.56% variance with a value of $XXX. A Desk Review is required. Clayton ordered on behalf of client.

12/22/2021 CDA Desk Review received from XXX supporting appraisal value.

12/22/2021 exception satisfied

Not Applicable

60503

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Credit/Mtg History

Active

CRDCRMH148

Credit report stale dated at closing

Credit Report dated XXX. Credit Report was > 60 days as of the date the documents are signed by the borrower(s). Stale dated 63 days at closing

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 51.31%; max allowed per guidelines is 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.12%, max per guidelines is 50%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  586 qualifying score. Min required per guidelines is 575.

60505

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation, Clayton ordered on behalf of client

12/10/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/10/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 45.450%. Guideline max 65%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified $62,111.16 (cash out) or 62.08 months PITI. No reserves required due to 45.45% LTV

CFCFS1736: Significant time at current residence
- Clayton Comments:  7 years at current residence.

60506

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  670 qualifying score. Min required per guidelines is 650.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.77%, max per guidelines is 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $8,198.86 or 9.08 months PITI, guidelines required 6 months PITI.

60507

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $130129.63 or 112 months PITIA, guidelines required 0 months PITIA.

60509

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Credit

Credit/Mtg History

Active

CRDCRMH148

Credit report stale dated at closing

Credit Report dated XXX with Note dated XXX. Credit Report was greater than 60 days as of the date the documents are signed by the borrower

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 761 qualifying score. Min required per guidelines is 750

60509

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

12/16/2021 CDA Desk Review received from XXX supporting appraisal value.

12/16/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 761 qualifying score. Min required per guidelines is 750

60510

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $85,594.11 or 58.42 months PITIA. Reserves not required due to LTV 70% and 1.1944 DSCR.

60511

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.00% DTI below guidelines <50%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below guideline of <75%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX >5 years at current job.

60513

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

12/20/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/20/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 50%; max allowed per guidelines is 70%.

60514

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $107.515.74 or 62.96 months PITIA. Reserves not required due to 70% LTV and DSCR > 1.

60515

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  736 Credit score exceeds guidelines minimum of 725.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  11 years owner of business.

CFCFS1736: Significant time at current residence
- Clayton Comments:  3 years 9 months at current residence.

60518

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton ordered on behalf of Client.

12/07/2021 CDA Desk Review received from XXX supporting appraisal value.

12/07/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $39,267.46 or 12.05 months PITIA, guidelines required 0 months PITIA.

60520

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

12/08/2021 CDA Desk Review received from XXX supporting appraisal value.

12/08/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 69.99%; max allowed per guidelines is 75%.

60521

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

LTV/CLTV

Active

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

Maximum LTV for Credit Grade AAA for Refinance is 75%, less 10% for Refinance of Non Warr Condo equals Max LTV is 65%. Subject closed with 70% LTV.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 3 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 791 qualifying score. Min required per guidelines is 750.

60521

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX, and confidence score of 87. AVM FSD of 13.3, exceeded max of 13. Clayton ordered Desk Review on behalf of Client.

12/22/2021 CDA Desk Review received from XXX supporting appraisal value.

12/22/2021 exception satisfied

(No Data)

Not Applicable

60522

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Credit/Mtg History

Active

CRDCRMH148

Credit report stale dated at closing

Credit report dated XXX and stale dated 69 days as of the Note date XXX

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history 0x30x84, Max 0x60x12

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $83,261.76 or 32.88 mo. PITI, Reserves not required due to LTV < 75% and DSCR > 1%

60522

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

Collateral Analytics discloses XXX, a Desk Review is required. Clayton ordered on behalf of client.

12/17/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/17/2021 exception satisfied

Not Applicable

60524

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.18% DTI below guideline max 50%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  42.38 LTV below guideline max 70%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  7 years owner at current job.

60527

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

Exception satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 80%; max allowed per guidelines is 90%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.98%, max per guidelines is 50%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for 99 months when 12 months are required.

60527

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

CMPTRID5293

TRID Not all required seller-paid fees were disclosed on the CD

(No Data)

Exception satisfied

Numeric

Not Applicable

60530

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.30%, max per guidelines is 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $559,010.88 or 18.29  months PITIA, guidelines required 12 months PITIA.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 10 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been XXX for 7 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 750

60531

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX, and confidence score of 90. AVM FSD of 10, exceeded max of 8. Clayton order Desk Review on behalf of Client.

12/22/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/22/21 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Assets: Assets verified at $351,019.04 plus cash to borrower $1,769.29 equals $352,788.33 or 68.24 months PITIA. 12 months reserves required due to 0.715 DSCR.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Min Credit score: 750 Credit Score: 765.

60532

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX and confidence score of 71. AVM FSD of 29, exceeded max of 10. Clayton order Desk Review on behalf of Client.

12/20/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/20/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for 31 months when 12 months are required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810 qualifying score. Min required per guidelines is 750.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 47.06%; max allowed per guidelines is 75%.

60533

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

State Consumer Protection

Active

CMPSTCP2129

MD Counseling Notice not in file

The MD Counseling Notice not located in file at time of review.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $36,612.0 or 26.85 months PITI. No reserves required due to LTV 62.50%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30x99, GL requires 1x30x12

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.37, max 50%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 62.50%, max 75%

CFCFS1736: Significant time at current residence
- Clayton Comments:  19 years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 8 years and 7 months at current job. B2 has 3 years and one month at current job.

60536

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.71%, max per guidelines is 50%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed with XXX for 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 7 years.

60538

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.07%, max per guidelines is 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 54.77%; max allowed per guidelines is 70%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been XXX for 9 years.

60540

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Credit/Mtg History

Active

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

# of Tradelines Does Not Meet Guideline Requirements. Yes only has 2 tradelines 3 required by guidelines.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%; max allowed per guidelines is 80%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for 99 months when 12 months are required.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $8837.68 or 8 months PITIA, guidelines required 0 months PITIA.

60540

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

FSD: AVM dated XXX an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. Clayton ordered on behalf of client.

12/06/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/06/2021 exception satisfied

(No Data)

Not Applicable

60541

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Assets

Satisfied

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

File contains Gift letter for $100,000 and evidence of donor available funds (no borrower bank statements in file), GL require evidence borrower has received these funds or they were sent to Settlement Agent, Final HUD reflects funds need to close in the amount of $XXXX, if those need funds were sent to Escrow then an updated Gift letter is required.

1.7.2022- Lender provided evidence of wire to title company 1. for $71,054.33 and $28,945.67

1.7.2022- Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 744, min 725

60541

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Credit/Mtg History

Active

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

Borrower currently owns (3) additional REO properties, file contains only Mortgage Statements and no VOM's, GL require 12 mo. housing history. Lender to provide evidence of 12 mo. housing history supporting 0x30x12.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 744, min 725

60541

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton ordered on behalf of client.

12/09/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/09/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 744, min 725

60542

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraised value. Clayton ordered on behalf of client.

12/20/2021 CDA Desk Review received from XXX supporting appraisal value.

12/20/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history 0x30x99, min 0x30x12

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 798 qualifying score. Min required per guidelines is 750.

60547

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Application

Active

CRDAPP1813

Undisclosed non-arm's length transaction

Borrower is purchasing the current residence that they have lived in for 3 years from their landlord.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 1.53%, max <50%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  85% LTV below guideline requirements of 90%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $569,676.34 or 55.55 mo. PITIA, GL require 6 mo. PITIA

60549

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX and confidence score of 89. AVM FSD of 11, exceeded max of 10. Desk review required, Clayton ordered on behalf of client

12/06/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/06/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments:  15 years at current residence

CFCFS2854: Significant time in profession
- Clayton Comments:  38 years in current profession

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  29 years and 2 months at current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 44.63%, max 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.37%, max 50%

60549

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

(CA) discloses XXX. A desk review is required. Clayton ordered on behalf of client

12/06/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/06/2021 exception satisfied

Not Applicable

60552

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

XXX, AVM dated XXX with an estimated value of $XXX, and confidence score of 90. AVM FSD of 10, exceeded max of 8. Desk Review is required. Clayton ordered on behalf of client.

12/22/2021 CDA Desk Review received from XXX supporting appraisal value.

12/22/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current residence for 20 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $38,530.21 or 26.37 mo. PITIA, reserves not required due to 65% LTV

60554

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation to support appraisal value. Clayton did not order AVM per tape01/04/2022 Clayton ordered Desk Review on behalf of Client.

1.05.2022- Collateral Analytic AVM received, FSD does not meet guidelines. Desk Review required.

1.05.2022- Exception satisfied. New exception for FSD #XXX fired.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $107520.38 or 11 months PITIA, guidelines required 0 months PITIA.

60554

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX, and confidence score of 81. AVM FSD of 19, exceeded max of 10. Clayton order Desk Review on behalf of Client.

01/14/2022- VRA Desk Review received from Service 1st supporting appraisal value.

01/14/2022- Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $107520.38 or 11 months PITIA, guidelines required 0 months PITIA.

60556

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.50%, max per guidelines is 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 80%; max allowed per guidelines is 85%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $36,915.31 or 15.66 months PITIA, guidelines required 6 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  713 qualifying score. Min required per guidelines is 650.

60559

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX, and confidence score of 87. AVM FSD score of 13, exceeded max of 10. Clayton ordered Desk Review of behalf of client.

12/31/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/31/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30x29, max 1x30

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV, max 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $3,069.99, reserves not required due to 75% LTV

60563

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Credit

Application

Satisfied

CRDAPP157

Application Not Signed by Primary Borrower

Provide completed & signed application for all borrowers.

01/12/2022 lender provided Signed Final 1003

01/12/2022 exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Co-borrower 1 & 2 have 16 years at current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $20,578.32 or 10.88 mo. PITIA, reserves not required due to 69.98% LTV.

60563

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Credit

Application

Satisfied

CRDAPP227

Application Not Signed by Co-Borrower

Provide completed & signed application for all borrowers.

01/12/2022 lender provided Signed Final 1003

01/12/2022 exception satisfied

(No Data)

Not Applicable

60563

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Credit

Application

Satisfied

CRDAPP3312

One or more Applications in file are incomplete

Provide completed & signed application for all borrowers.

01/12/2022 lender provided Signed Final 1003

01/12/2022 exception satisfied

(No Data)

Not Applicable

60564

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation, Clayton ordered on behalf of client

12/13/2021 CDA Desk Review received from XXX supporting appraisal value.

12/13/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments:  12 Years at current residence

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $267,214.35 or 45.04 mo. PITIA, reserves not required due to 72.44% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 775, min 750

60569

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 62.20%; max allowed per guidelines is 65%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $104,604.50 or 52 months PITIA, guidelines required 0 months PITIA.

60572

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $14,865.21 or 10.74 mo. PITIA, Reserves not required due to LTV < 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70%; max allowed per guidelines is 80%.

60575

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $50,775.07 or 10.64 mo. PITI, Reserves not required due to LTV < 75%.

60577

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraised value. Clayton ordered on behalf of client.

12/17/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/17/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $224,869.32 or 134.83 mo. PITI, reserves not required due to 68.75% LTV

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 qualifying score. Min required per guidelines is 750

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 68.75%; max allowed per guidelines is 75%.

60578

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

12/14/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/14/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  744 qualifying score. Min required per guidelines is 725.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been XXX for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 6 years

60579

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client

12/14/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/14/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 687 qualifying score. Min required per guidelines is 675.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $37839.49 or 26 months PITIA, guidelines required 0 months PITIA.

60580

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 qualifying score. Min required per guidelines is 750.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%; max allowed per guidelines is 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $60,749.27 or 35.27 months PITIA, guidelines required 0 months PITIA.

60581

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70%; max allowed per guidelines is 90%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 8.84%, max per guidelines is 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $842,567.51  or 416  months PITIA, guidelines required 0 months PITIA.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 17 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been XXX for 20 years.

60584

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $61,283.61 or 14.50 months PITIA, guidelines required 6 months PITIA.

60588

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

(CA) discloses -34.000% variance with a value of $XXX and the OA value is $XXX. A desk review is required. Clayton ordered on behalf of client.

12/09/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/09/2021 exception satisfied

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $243,403.08 or 46.11 months PITIA. 12 months required due to 0.777 DSCR.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Min score required: 750. Borrower credit score: 771

60591

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX an estimated value of $XXX, and confidence score of 82. AVM FSD of 18, exceeded max of 10.Desk review required. Clayton ordered on behalf of client

12/09/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/09/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 750.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30x38, max 0x30x12

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $61459.76 or 31 months PITIA, reserves not required due to 75% LTV

60596

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

FSD score of 9 outside max variance of 8. Clayton order on behalf of Client.

01/14/2022- VRA Desk Review received from Service 1st supporting appraisal value.

01/14/2022- Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score. Min required per guidelines is 750.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for 41 months when 24 months are required.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $127,904.90 or 73 months PITIA, guidelines required 12 months PITIA.

60598

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX and confidence score of 84. AVM FSD of 16, exceeded max of 10. Clayton ordered Desk Review on behalf of Client

12/17/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/17/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Assets verified at $127,904.90 plus cash to borrower $1,000 equals $128,904.90 or 61.41 months PITIA. 12 months reserves required due to 0.913 DSCR.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Required Credit: 750 File Credit: 783

60600

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX, and confidence score of 80. AVM FSD of 20, exceeded max of 10. Desk review required. Clayton ordered on behalf of client

12/10/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/10/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 750.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $61459.76 or 31 months PITIA, reserves not required to 75% LTV

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30x40, max 0x30x12

60612

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $99,973.55 or 55.50 mo. PITIA, Reserves not required due to 74.91% LTV

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30x23, max 0x30x12

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778  qualifying score. Min required per guidelines is 750.

60615

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Insurance

Satisfied

CRDINSR289

Insufficient Hazard Insurance Coverage

Condo Master Policy does not include Amount of coverage and dates of policy.

01/17/2022 lender provided Condo Master Policy

01/17/2022 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $98,121.10 or 59.32 months PITIA, guidelines required 0 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 812 qualifying score. Min required per guidelines is 750.

60615

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

12/20/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/20/2021 exception satisfied

(No Data)

Not Applicable

60616

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1736: Significant time at current residence
- Clayton Comments: 6 years at current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Assets verified at $8,170.90 plus cash to borrower $50,275.48 equals $58,446.38 or 19.56 months PITIA. 12 months reserves required due to 0.94 DSCR.

60617

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Credit

Legal Documents

Satisfied

CRDLGL806

Notary Status is missing

Notary is missing from mortgage.

01/12/2022 lender response: Notary pages uploaded reflecting borrowers foreign country notary & apostille certification. borrowers outside U.S. can simply provide their own notary page and the apostille cert in behalf of U.S. notary & acceptable

01/12/2022 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $56,899.01 or 16.02 mo. PITIA, reserves not required due to 75% LTV

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history i0x30x29, min 0x30x12

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  741 qualifying score. Min required per guidelines is 725.

60617

XXXXXX

(No Data)

ATR/QM: Exempt

N/A

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraised value. Clayton ordered on behalf of client.

12/22/2021 CDA Desk Review received from XXX supporting appraisal value.

12/22/2021 exception satisfied

(No Data)

Not Applicable

60618

XXXXXX

Non-QM: Lender documented all ATR UW factors

Compliance

Right of Rescission

Satisfied

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

ROR Expiration Date is disclosed as midnight of XXX. Earliest Disbursement Date is XXX CD dated XXX Disbursement Date is XXX

12/10/2021: lender provided ROR H-9 signed on XXX by borrowers.

12/10/2021: Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 60%; max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 750.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.88%, max per guidelines is 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $109,879.82 or 16.86 mo. PITI, reserves not required due to 60% LTV

60618

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

CA AVM dated XXX with an estimated value of $XXX, and confidence score of 87. AVM FSD of 13, exceeded max of 10. Desk review is required. Clayton ordered on behalf of client.

12/21/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/21/2021 exception satisfied

(No Data)

Not Applicable

60622

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Credit/Mtg History

Active

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

# of Tradelines Does Not Meet Guideline Requirements. yes only 2, 3 required per GL.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  745 qualifying score. Min required per guidelines is 725.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $601698.53 or 103 months PITIA, guidelines required 0 months PITIA.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for 28 months when 24 months are required.

60622

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Terms/Guidelines

Active

CRDTER4643

Borrower does not meet guideline requirements

Subject property is located in XXX lender guidelines and matrix do not include approval for property in Hawaii.

(No Data)

Not Applicable

60622

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton ordered on behalf of Client.

12/27/2021 CDA Desk Review received from XXX supporting appraisal value.

12/27/2021 exception satisfied

(No Data)

Not Applicable

60624

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 31.5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $7,415.92 or 5.52 months PITIA, guidelines required 0 months PITIA.

60627

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $245,604.25 or 62.67 mo. PITI, GL require 6 mo. PITI

60628

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation. Clayton ordered on behalf of client.

12/22/2021 CDA Desk Review received from XXX supporting appraisal value.

12/22/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797, min 750

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1/B2 has significant time at current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets verified at $121,532.37 less cash from borrower $117,011.97 equals $4,520.40 or 1.60 months PITIA. No reserves required. Due to DSCR 1.474 and LTV OF 74.990% < 75%

60629

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 779 qualifying score. Min required per guidelines is 750.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $187157.79 or 110 mo. PITIA, reserves not required due to 75% LTV.

60634

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

FSD score of 11 outside of max variance of 10. Clayton ordered on behalf of Client.

12/20/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/20/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.90%; max allowed per guidelines is 65%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  594 qualifying score. Min required per guidelines is 575.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $189192.50 or 124 months PITIA, guidelines required 0 months PITIA.

60637

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 785, min 750

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $135,615.45 or 23.67 mo. PITI, 12 months required due to 0.6457 DSCR.

60638

XXXXXX

ATR Risk: Non-QM - Lender did not document all ATR UW factors

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

Most recent FSD score outside of approved variance. AVM dated XXX with an estimated value of $XXX, and confidence score of 61. AVM FSD of 39, exceeded max of 10. Clayton order Desk Review on behalf of Client.

12/15/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/15/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for 54 months when 24 months are required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qualifying score. Min required per guidelines is 750.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $260,196  or 65 months PITIA, guidelines required 0 months PITIA.

60642

XXXXXX

Non-QM: Lender documented all ATR UW factors

Credit

Credit/Mtg History

Active

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

# open tradelines required per guideline. borrower has only 2.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  69.82 % LTV below guidelines 75%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.18 DTI below guidelines <50%

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has not had any major mortgage related occurrences in last 2 years

60643

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 3 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Reserves $2,401.98 or 2.05 months PITIA. Reserves are not required.

60644

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $74,610.48 or 21.09 PTIA; GL require total reserves $29,467.99

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 758 qualifying score. Min required per guidelines is 750.

60645

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Assets

Active

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

Assets verified at $112,163.30 less cash from borrower $87,706.90 equals $24,402.40 or 9.39 months PITIA. 12 months reserves required due to 0.96 DSCR. And LTV > 70%. Reserve requirement not met.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: 15 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Required credit: 750 File Credit score: 804

60649

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Terms/Guidelines

Active

CRDTER4643

Borrower does not meet guideline requirements

With subject Refinance and three additional new Refinance loans, Borrower will have four open loans with this lender. All four loans are non-owner occupied. Lender guidelines limit open loans to the same Borrower to four, with one loan must be owner-occupied. None of the four loans with this lender will be owner-occupied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 6 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.

60649

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. Clayton order Desk Review on behalf of Client

12/22/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/22/2021 exception satisfied

(No Data)

Not Applicable

60649

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

Collateral Analytics discloses XXX. A desk review is required. Clayton order on behalf of client.

12/22/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/22/2021 exception satisfied

Not Applicable

60652

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Terms/Guidelines

Active

CRDTER4643

Borrower does not meet guideline requirements

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 6 years.

60653

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Terms/Guidelines

Active

CRDTER4643

Borrower does not meet guideline requirements

(No Data)

Not Applicable

60655

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Terms/Guidelines

Active

CRDTER4643

Borrower does not meet guideline requirements

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 6 years and 7 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.

60656

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

Collateral Analytics discloses XXX. A Desk Review is required. Clayton order on behalf of client.

1.5.2022- XXX CDA that was order on behalf of client support appraisal value.

1.5.2022. Exception satisfied.

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $1,025,005.40 or 234.19 months PITIA, guidelines required 12 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been XXX for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying score. Min required per guidelines is 750.

60658

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 10 years at the current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Borrower has 779 months PITI reserves

60662

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

12/13/2021 CDA Desk Review received from XXX supporting appraisal value.

12/13/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $5,437,425.16 or 2158.75 months PITIA, guidelines require 12 months PITIA.

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 11 years.

60664

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraised value. Clayton ordered on behalf of client.

1.05.2022- XXX AVM support appraisal value.

1.05.2022. Exception satisfied.

(No Data)

Not Applicable

(No Data)

60667

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Credit/Mtg History

Active

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

Credit Report and payment history in file support a mortgage rating of 0x30x3, GL require 12 mo. Rent/Mortgage history.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $44,960.95 or 23.27 months PITIA. 12-month reserves required due to 0.9706% DSCR.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 747, min 725

60667

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton order on behalf of Client.

12/27/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/27/2021 exception satisfied

(No Data)

Not Applicable

60669

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

Black Knight AVM discloses XXX. A Desk Review is required, and Clayton ordered on behalf of client.

12/16/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/16/2021 exception satisfied

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided in current owner occupied residence for 6 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Reserves: $43,829.34 or 22.34 Months PITIA. Reserves are not required.

60671

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $103,436.73 or 46.11 mo. PITI, reserves not required due to 55.30% LTV.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.30%, Max 75%

CFCFS1736: Significant time at current residence
- Clayton Comments:  16 years at current residence

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 748, min 725

60672

XXXXXX

(No Data)

ATR/QM: Exempt

Compliance

TILA

Active

CMPTILA4787

TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business.

Borrower's LOE for use of funds is missing from file.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 63.64%; max allowed per guidelines is 75%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 734 qualifying score. Min required per guidelines is 725.

60672

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

XXX discloses XXX A Desk Review is required. Clayton order on behalf of client.

12/22/2021 CDA Desk Review received XXX supporting appraisal value.

12/22/2021 exception satisfied

Not Applicable

60673

XXXXXX

Non-QM: Lender documented all ATR UW factors

Property Valuations

Value

Satisfied

PRVAVALU5249

Property Value Not Supported

(XXX) discloses XXX. A desk review is required. Clayton ordered on behalf of client

12/20/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/20/2021 exception satisfied

Not Applicable

CFCFS1736: Significant time at current residence
- Clayton Comments:  8 years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  20 years on current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves $135,730.32 or 17.45 months PITI. Reserves not required due to 42.20% LTV.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.40%, Max 50%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 772, min 750

60681

XXXXXX

ATR Risk: Non-QM - Lender did not document all ATR UW factors

Non-QM: Lender documented all ATR UW factors

Compliance

Right of Rescission

Active

CMPROR117

ROR - Expiration date on form prior to end of rescission period

The ROR expiration date XXX (which is Thanksgiving Day) is not three business days from the consummation date of XXX. Reopen Rescission and provide borrower with entire Three (3) Day rescission period

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.220%; max allowed per guidelines is 75%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  685 qualifying score. Min required per guidelines is 675.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.49%, max per guidelines is 50%.

60681

XXXXXX

ATR Risk: Non-QM - Lender did not document all ATR UW factors

Non-QM: Lender documented all ATR UW factors

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX, and confidence score of 83. AVM FSD of 17, exceeded max of 10.

12/14/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/14/2021 exception satisfied

(No Data)

Not Applicable

60683

XXXXXX

(No Data)

ATR/QM: Exempt

Credit

Insurance

Satisfied

CRDINSR5351

Insurance Effective date is greater than the transaction date

Insurance Effective date is greater than the transaction date, Yes, 2 days per policy XXX.

1.5.2022. Certificate of Liability form provided was for the title company and not the subject property. Exception remains.1.62022- Lender provided HOI policy with an effective date of XXX

1.6.2022- Exception satisfied.

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  n/a

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  730 qualifying score. Min required per guidelines is 725.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $48072.34 or 21 months PITIA, guidelines required 0 months PITIA.

60689

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation supporting appraisal value. Clayton ordered on behalf of Client.

12/31/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/31/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history is for 58 months when 24 months are required.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $62227.05 or 36 months PITIA, guidelines required 0 months PITIA.

60690

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR5355

Most recent FSD score outside of approved variance

AVM dated XXX with an estimated value of $XXX Clayton order Desk Review on behalf of Client.

12/14/2021 VRA Desk Review received from Service 1st supporting appraisal value.

12/14/2021 exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV is 54.08%; max allowed per guidelines is 75%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 781 qualifying score. Min required per guidelines is 750.

60698

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves $3,267.79, reserves not required due to 70% LTV

60700

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1736: Significant time at current residence
- Clayton Comments: 3 years 6 months ownership at current residence

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Post close reserves $71,135.78 or 56.96 months PITI, reserves not required due to 70% LTV and DSCR > 1%.

60702

XXXXXX

(No Data)

ATR/QM: Exempt

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 750.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 53.39%; max allowed per guidelines is 80%.

60705

XXXXXX

Non-QM: Lender documented all ATR UW factors

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 14.99%, max per guidelines is 50%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been XXX for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $65,180.52 or 32.88 months PITIA, guidelines required 6 months PITI.

27116

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

Appraisal

Satisfied

PRVAAPPR3116

Missing updated valuation

Missing updated valuation to support original valuation.

11.03.19 Desk Review received value supported.

11.03.19 Exception Satisfied.

(No Data)

Not Applicable

(No Data)

27116

XXXXXX

(No Data)

ATR/QM: Exempt

Property Valuations

FEMA

Active

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

03/01/19 XXX

(No Data)

Not Applicable

(No Data)

28074

XXXXXX

(No Data)

ATR/QM: Exempt

Compliance

TILA

Active

CMPTILA4787

TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business.

Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business

(No Data)

Not Applicable

CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 30 years.

CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been in primary residence for 24 years.

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.11

Client Name:
Client Project Name:	MFA 2022-NQM2
Start - End Dates:	6/26/2019 - 12/28/2021
Deal Loan Count:	112


Conditions Report 2.0

Loans in Report:	112
Loans with Conditions:	73

Loan Number

TRID Indicator

Lender Application Date

Broker Application Date

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Did Lender Acknowledge Exception at Origination

60463

Yes

XXXXXX

Yes

60467

Yes

XXXXXX

Not Applicable

60472

Yes

XXXXXX

26705

Yes

XXXXXX

25728

Yes

XXXXXX

Not Applicable

27397

Yes

XXXXXX

31756

Yes

XXXXXX

Not Applicable

31743

Yes

XXXXXX

Not Applicable

41496

Yes

XXXXXX

51275

Yes

XXXXXX

Not Applicable

60477

Yes

XXXXXX

Not Applicable

56019

Yes

XXXXXX

Not Applicable

60479

Yes

XXXXXX

Not Applicable

60480

Yes

XXXXXX

Not Applicable

60481

Yes

XXXXXX

Not Applicable

60483

Yes

XXXXXX

Yes

60484

Yes

XXXXXX

Not Applicable

60485

Yes

XXXXXX

Not Applicable

56065

Yes

XXXXXX

Not Applicable

60487

Yes

XXXXXX

Not Applicable

60490

Yes

XXXXXX

Not Applicable

60492

Yes

XXXXXX

Not Applicable

60495

Yes

XXXXXX

N/A

Not Applicable

60500

Yes

XXXXXX

Not Applicable

60501

Yes

XXXXXX

60503

Yes

XXXXXX

60505

Yes

XXXXXX

Not Applicable

60506

Yes

XXXXXX

60507

Yes

XXXXXX

60509

Yes

XXXXXX

N/A

Not Applicable

60510

Yes

XXXXXX

Not Applicable

60511

Yes

XXXXXX

Not Applicable

60513

Yes

XXXXXX

Not Applicable

60514

Yes

XXXXXX

Not Applicable

60515

Yes

XXXXXX

Not Applicable

60518

Yes

XXXXXX

Not Applicable

60520

Yes

XXXXXX

Not Applicable

60521

Yes

XXXXXX

Not Applicable

60522

Yes

XXXXXX

Not Applicable

60524

Yes

XXXXXX

Not Applicable

60527

Yes

XXXXXX

Not Applicable

60530

Yes

XXXXXX

Not Applicable

60531

Yes

XXXXXX

Not Applicable

60532

Yes

XXXXXX

Not Applicable

60533

Yes

XXXXXX

Not Applicable

60536

Yes

XXXXXX

Not Applicable

60538

Yes

XXXXXX

Not Applicable

60540

Yes

XXXXXX

60541

Yes

XXXXXX

Not Applicable

60542

Yes

XXXXXX

60547

Yes

XXXXXX

Not Applicable

60549

Yes

XXXXXX

Not Applicable

60552

Yes

XXXXXX

Not Applicable

60554

Yes

XXXXXX

Yes

60556

Yes

XXXXXX

Not Applicable

60559

Yes

XXXXXX

60563

Yes

XXXXXX

N/A

Not Applicable

60564

Yes

XXXXXX

Not Applicable

60569

Yes

XXXXXX

60572

Yes

XXXXXX

Not Applicable

60575

Yes

XXXXXX

60577

Yes

XXXXXX

Not Applicable

60578

Yes

XXXXXX

Not Applicable

60579

Yes

XXXXXX

60580

Yes

XXXXXX

Not Applicable

60581

Yes

XXXXXX

Not Applicable

60584

Yes

XXXXXX

Not Applicable

60588

Yes

XXXXXX

Not Applicable

60591

Yes

XXXXXX

60596

Yes

XXXXXX

60598

Yes

XXXXXX

Not Applicable

60600

Yes

XXXXXX

60612

Yes

XXXXXX

60615

Yes

XXXXXX

Not Applicable

60616

Yes

XXXXXX

Not Applicable

60617

Yes

XXXXXX

N/A

60618

Yes

XXXXXX

60622

Yes

XXXXXX

60624

Yes

XXXXXX

Not Applicable

60627

Yes

XXXXXX

Not Applicable

60628

Yes

XXXXXX

Not Applicable

60629

Yes

XXXXXX

60634

Yes

XXXXXX

Not Applicable

60637

Yes

XXXXXX

Not Applicable

60638

Yes

XXXXXX

60642

Yes

XXXXXX

Yes

60643

Yes

XXXXXX

60644

Yes

XXXXXX

60645

Yes

XXXXXX

Not Applicable

60649

Yes

XXXXXX

Not Applicable

60652

Yes

XXXXXX

Not Applicable

60653

Yes

XXXXXX

Not Applicable

60655

Yes

XXXXXX

Not Applicable

60656

Yes

XXXXXX

Not Applicable

60658

Yes

XXXXXX

Not Applicable

60662

Yes

XXXXXX

Not Applicable

60664

Yes

XXXXXX

Not Applicable

60667

Yes

XXXXXX

Not Applicable

60669

Yes

XXXXXX

Not Applicable

60671

Yes

XXXXXX

Not Applicable

60672

Yes

XXXXXX

Not Applicable

60673

Yes

XXXXXX

Not Applicable

60681

Yes

XXXXXX

60683

Yes

XXXXXX

60689

Yes

XXXXXX

Not Applicable

60690

Yes

XXXXXX

Not Applicable

60698

Yes

XXXXXX

Not Applicable

60700

Yes

XXXXXX

Not Applicable

60702

Yes

XXXXXX

60705

Yes

XXXXXX

Not Applicable

27116

Yes

XXXXXX

Not Applicable

28074

Yes

XXXXXX

Not Applicable

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.12

Client Name:
Client Project Name:	MFA 2022-NQM2
Start - End Dates:	6/26/2019 - 12/28/2021
Deal Loan Count:	112


Loan Level Tape Compare Upload

Loans in Report	112

Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
60463	XXXXXX	Origination Date	XXXXXX	XXXXXX
60472	XXXXXX	Origination Date	XXXXXX	XXXXXX
41496	XXXXXX	Debt to Income Ratio (Back)	18.9000	15.5572
41496	XXXXXX	Origination Date	XXXXXX	XXXXXX
51275	XXXXXX	Origination Date	XXXXXX	XXXXXX
60477	XXXXXX	Loan Purpose	Rate and Term Refi	Cashout Refi
60477	XXXXXX	Origination Date	XXXXXX	XXXXXX
60479	XXXXXX	Origination Date	XXXXXX	XXXXXX
60481	XXXXXX	Origination Date	XXXXXX	XXXXXX
60483	XXXXXX	Origination Date	XXXXXX	XXXXXX
60483	XXXXXX	Total Monthly Income	15104.84	14813.96
60484	XXXXXX	Total Monthly Income	'-1721.56	0.00
60485	XXXXXX	Debt to Income Ratio (Back)	47.2000	40.4598
60485	XXXXXX	Original Appraisal Date	XXXXXX	XXXXXX
60485	XXXXXX	Origination Date	XXXXXX	XXXXXX
60485	XXXXXX	Total Monthly Income	9000.00	10504.81
56065	XXXXXX	Origination Date	XXXXXX	XXXXXX
56065	XXXXXX	Total Monthly Income	50000.00	55316.44
60487	XXXXXX	Origination Date	XXXXXX	XXXXXX
60495	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60495	XXXXXX	Origination Date	XXXXXX	XXXXXX
60495	XXXXXX	Total Monthly Income	3040.97	0.00
60500	XXXXXX	Origination Date	XXXXXX	XXXXXX
60501	XXXXXX	Debt to Income Ratio (Back)	18.7000	21.1550
60501	XXXXXX	Origination Date	XXXXXX	XXXXXX
60501	XXXXXX	Property Type	SFR	Manufactured (Dbl)
60503	XXXXXX	Origination Date	XXXXXX	XXXXXX
60503	XXXXXX	Total Monthly Income	14365.78	14365.56
60505	XXXXXX	Origination Date	XXXXXX	XXXXXX
60506	XXXXXX	Total Monthly Income	12750.62	11646.97
60507	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60507	XXXXXX	Origination Date	XXXXXX	XXXXXX
60509	XXXXXX	Property Type	Condotel	Low Rise Condo (1-4)
60510	XXXXXX	Origination Date	XXXXXX	XXXXXX
60511	XXXXXX	Origination Date	XXXXXX	XXXXXX
60511	XXXXXX	Total Monthly Income	7454.51	7285.31
60513	XXXXXX	Origination Date	XXXXXX	XXXXXX
60514	XXXXXX	Origination Date	XXXXXX	XXXXXX
60515	XXXXXX	Debt to Income Ratio (Back)	36.7000	28.1678
60515	XXXXXX	Origination Date	XXXXXX	XXXXXX
60515	XXXXXX	Total Monthly Income	14521.65	18977.08
60518	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60518	XXXXXX	Origination Date	XXXXXX	XXXXXX
60518	XXXXXX	Property Type	Condotel	Mid Rise Condo (5-8)
60520	XXXXXX	Borrower 2 First Name	XXXXXX	XXXXXX
60520	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60520	XXXXXX	Origination Date	XXXXXX	XXXXXX
60520	XXXXXX	Property Type	Condotel	Mid Rise Condo (5-8)
60522	XXXXXX	Origination Date	XXXXXX	XXXXXX
60524	XXXXXX	Origination Date	XXXXXX	XXXXXX
60524	XXXXXX	Total Monthly Income	7000.00	7551.22
60527	XXXXXX	Total Monthly Income	20804.50	20803.69
60530	XXXXXX	Total Monthly Income	56047.83	61831.24
60531	XXXXXX	Origination Date	XXXXXX	XXXXXX
60532	XXXXXX	Origination Date	XXXXXX	XXXXXX
60533	XXXXXX	Origination Date	XXXXXX	XXXXXX
60533	XXXXXX	Total Monthly Income	6158.38	6378.07
60536	XXXXXX	First Rate Change Date	XXXXXX	XXXXXX
60536	XXXXXX	Origination Date	XXXXXX	XXXXXX
60538	XXXXXX	Origination Date	XXXXXX	XXXXXX
60540	XXXXXX	Origination Date	XXXXXX	XXXXXX
60542	XXXXXX	Origination Date	XXXXXX	XXXXXX
60547	XXXXXX	Origination Date	XXXXXX	XXXXXX
60547	XXXXXX	Total Monthly Income	785034.38	785034.39
60549	XXXXXX	Origination Date	XXXXXX	XXXXXX
60549	XXXXXX	Total Monthly Income	51750.88	50253.04
60552	XXXXXX	Borrower 2 First Name	XXXXXX	XXXXXX
60552	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60552	XXXXXX	Origination Date	XXXXXX	XXXXXX
60556	XXXXXX	Origination Date	XXXXXX	XXXXXX
60559	XXXXXX	First Rate Change Date	XXXXXX	XXXXXX
60559	XXXXXX	Product Type	7/1 ARM	5/1 ARM
60563	XXXXXX	Borrower 2 First Name	XXXXXX	XXXXXX
60563	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60564	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60569	XXXXXX	First Rate Change Date	XXXXXX	XXXXXX
60569	XXXXXX	Origination Date	XXXXXX	XXXXXX
60572	XXXXXX	Origination Date	XXXXXX	XXXXXX
60575	XXXXXX	First Rate Change Date	XXXXXX	XXXXXX
60575	XXXXXX	Origination Date	XXXXXX	XXXXXX
60577	XXXXXX	Combined LTV	75.00	68.75
60577	XXXXXX	Original LTV	75.00	68.75
60577	XXXXXX	Origination Date	XXXXXX	XXXXXX
60578	XXXXXX	Origination Date	XXXXXX	XXXXXX
60578	XXXXXX	Property Type	Condotel	Mid Rise Condo (5-8)
60579	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
60579	XXXXXX	Origination Date	XXXXXX	XXXXXX
60580	XXXXXX	Origination Date	XXXXXX	XXXXXX
60581	XXXXXX	Origination Date	XXXXXX	XXXXXX
60584	XXXXXX	Origination Date	XXXXXX	XXXXXX
60584	XXXXXX	Total Monthly Income	'-428.67	0.00
60588	XXXXXX	Origination Date	XXXXXX	XXXXXX
60591	XXXXXX	Origination Date	XXXXXX	XXXXXX
60596	XXXXXX	Origination Date	XXXXXX	XXXXXX
60598	XXXXXX	Origination Date	XXXXXX	XXXXXX
60600	XXXXXX	Origination Date	XXXXXX	XXXXXX
60612	XXXXXX	Origination Date	XXXXXX	XXXXXX
60615	XXXXXX	Origination Date	XXXXXX	XXXXXX
60615	XXXXXX	Property Type	Condotel	High Rise Condo (9+)
60617	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60617	XXXXXX	Origination Date	XXXXXX	XXXXXX
60618	XXXXXX	Origination Date	XXXXXX	XXXXXX
60618	XXXXXX	Total Monthly Income	33620.16	31396.74
60622	XXXXXX	Origination Date	XXXXXX	XXXXXX
60622	XXXXXX	Property Type	Condotel	Low Rise Condo (1-4)
60627	XXXXXX	Origination Date	XXXXXX	XXXXXX
60628	XXXXXX	Origination Date	XXXXXX	XXXXXX
60637	XXXXXX	Origination Date	XXXXXX	XXXXXX
60638	XXXXXX	Origination Date	XXXXXX	XXXXXX
60642	XXXXXX	Origination Date	XXXXXX	XXXXXX
60642	XXXXXX	Total Monthly Income	20000.00	20730.97
60643	XXXXXX	Borrower 1 First Name	XXXXXX	XXXXXX
60643	XXXXXX	Borrower 1 Last Name	XXXXXX	XXXXXX
60643	XXXXXX	Borrower 2 First Name	XXXXXX	XXXXXX
60643	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60643	XXXXXX	Origination Date	XXXXXX	XXXXXX
60643	XXXXXX	Total Monthly Income	'-1251.45	0.00
60644	XXXXXX	Origination Date	XXXXXX	XXXXXX
60645	XXXXXX	Origination Date	XXXXXX	XXXXXX
60645	XXXXXX	Property Type	Low Rise Condo (1-4)	Mid Rise Condo (5-8)
60649	XXXXXX	Origination Date	XXXXXX	XXXXXX
60652	XXXXXX	Origination Date	XXXXXX	XXXXXX
60653	XXXXXX	Origination Date	XXXXXX	XXXXXX
60655	XXXXXX	Origination Date	XXXXXX	XXXXXX
60658	XXXXXX	Origination Date	XXXXXX	XXXXXX
60662	XXXXXX	Property Type	Condotel	High Rise Condo (9+)
60664	XXXXXX	Borrower 2 Last Name	XXXXXX	XXXXXX
60671	XXXXXX	Origination Date	XXXXXX	XXXXXX
60672	XXXXXX	Borrower 2 First Name	XXXXXX	XXXXXX
60673	XXXXXX	Origination Date	XXXXXX	XXXXXX
60673	XXXXXX	Total Monthly Income	37324.00	45057.66
60681	XXXXXX	Origination Date	XXXXXX	XXXXXX
60681	XXXXXX	Total Monthly Income	5874.00	5874.46
60690	XXXXXX	First Rate Change Date	XXXXXX	XXXXXX
60690	XXXXXX	Origination Date	XXXXXX	XXXXXX
60690	XXXXXX	Representative Credit Score for Grading	789	781
60698	XXXXXX	Origination Date	XXXXXX	XXXXXX
60698	XXXXXX	Total Monthly Income	1119.50	0.00
60700	XXXXXX	Origination Date	XXXXXX	XXXXXX
26705	XXXXXX	Maximum Rate	6.000	15.250
31743	XXXXXX	Maximum Rate	6.000	13.750
31743	XXXXXX	Origination Date	XXXXXX	XXXXXX
27116	XXXXXX	Maximum Rate	6.000	12.375
27116	XXXXXX	Origination Date	XXXXXX	XXXXXX
25728	XXXXXX	Cash Reserves	'-213919.28	0.00
25728	XXXXXX	Combined LTV	80.00	78.95
25728	XXXXXX	Credit Report Date	XXXXXX	XXXXXX
25728	XXXXXX	Next Rate Change Date	XXXXXX	XXXXXX
25728	XXXXXX	Original LTV	80.00	78.95
25728	XXXXXX	Origination Channel	Unknown	Broker
25728	XXXXXX	Origination Date	XXXXXX	XXXXXX
27397	XXXXXX	Cash Reserves	15178.61	110564.86
27397	XXXXXX	Next Rate Change Date	XXXXXX	XXXXXX
31756	XXXXXX	Cash Reserves	'-149404.89	8104.36
31756	XXXXXX	Credit Report Date	XXXXXX	XXXXXX
31756	XXXXXX	Debt to Income Ratio (Back)	27.2700	24.3345
31756	XXXXXX	Next Rate Change Date	XXXXXX	XXXXXX
31756	XXXXXX	Origination Date	XXXXXX	XXXXXX
31756	XXXXXX	Total Monthly Income	10237.72	10070.67
28074	XXXXXX	Borrower 1 Total Income	17283.87	15835.00
28074	XXXXXX	Credit Report Date	XXXXXX	XXXXXX
28074	XXXXXX	Next Rate Change Date	XXXXXX	XXXXXX
28074	XXXXXX	Product Type	5 Year Fixed	5/1 ARM
28074	XXXXXX	Property Type	Low Rise Condo (1-4)	High Rise Condo (9+)

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.13

Client Name:
Client Project Name:	MFA 2022-NQM2
Start - End Dates:	6/26/2019 - 12/28/2021
Deal Loan Count:	112


ATR QM Upload

Loans in Report:	112

Loan Number

Deal

Seller Loan Number

Original Principal Balance

State

Loan Level ATR/QM Status

Lender Provided ATR/QM Worksheet

Initial Lender ATR/QM Status

Application Date

Borrowers Qualified Through a Non-Resident Alien Program

Occupancy

Property Type

Number of Units

Loan Type

Exempt Loan Product Type

Exempt Loan Housing Agency

Community Housing Development

Credit Under Economic Stabilization Act Of 2008

Refinance Of Non-Standard Mortgage

Higher Priced Covered Transaction

State Prepay Exceptions

Loan Purpose

Loan Term Exceeds 30 Years

Interest Only Feature

Negative Amortization

Balloon Payment

Prepay Penalty Flag

Prepayment Penalty Type

Prohibited Prepayment Penalty

Exceeds Points And Fees

Exceeds DTI Limit

Lien Position

APR

QM Calculated DTI Adherence

QM Lenders DTI Adherence

QM Fee Adherence - Total Charges %

QM Fee Adherence - Lenders Fee %

Fannie Mae Eligible

Freddie Mac Eligible

VA Guaranty Eligible

FHA Insured Eligible

USDA Guarantee Eligible

Rural Housing Service Insured Eligible

QM - Expected Income Or Assets For DTI

QM - Current Employment Status For DTI

QM - Monthly Payment On Subject Loan For DTI

QM - Monthly Payment On Additional Loan For DTI

QM - Monthly Payment Mortgage Related Obligations

QM - Current Debt Obligations Alimony and Child Support for DTI

QM - Monthly DTI Ratio Or Residual Income

ATR - Guidelines Provided to Document Approach

ATR - Current And Expected Income And Assets

ATR - Current Employment Status

ATR - Mortgage Payment Obligation

ATR - Mortgage Payment on Simultaneous Transaction

ATR - Payment For Mortgage Related Obligations

ATR - Debt Obligations Including Alimony and Child Support

ATR - Monthly DTI Ratio or Residual Income

ATR - Consumer Credit History

ATR Lenders - DTI (Back)

ATR Calculated DTI (Back)

QM Lender Value DTI (Back)

QM Calculated DTI (Back)

Initial DTI (Back)

DTI Qualifying (Back)

Residual Income Analysis in File

Residual Income Guidelines

Did Loan Meet Guidelines

Residual Income Amount

Short Sale

Short Sale Date

Deed In Lieu

Deed In Lieu Date

QRM Flag

Borrower 2 Guarantor Flag

Borrower 3 Guarantor Flag

Borrower 4 Guarantor Flag

Borrower 1 Paystub Flag

Borrower 1 Paystub Number of Months

Borrower 2 Paystub Flag

Borrower 2 Paystub Number of Months

Borrower 3 Paystub Flag

Borrower 3 Paystub Number of Months

Borrower 4 Paystub Flag

Borrower 4 Paystub Number of Months

Borrower 1 W2 Flag

Borrower 1 W2 Number of Months

Borrower 2 W2 Flag

Borrower 2 W2 Number of Months

Borrower 3 W2 Flag

Borrower 3 W2 Number of Months

Borrower 4 W2 Flag

Borrower 4 W2 Number of Months

Borrower 1 Personal Tax Return Flag

Borrower 1 Personal Tax Return Number of Months

Borrower 2 Personal Tax Return Flag

Borrower 2 Personal Tax Return Number of Months

Borrower 3 Personal Tax Return Flag

Borrower 3 Personal Tax Return Number of Months

Borrower 4 Personal Tax Return Flag

Borrower 4 Personal Tax Return Number of Months

Borrower 1 Business Tax Return Flag

Borrower 1 Business Tax Return Number of Months

Borrower 2 Business Tax Return Flag

Borrower 2 Business Tax Return Number of Months

Borrower 3 Business Tax Return Flag

Borrower 3 Business Tax Return Number of Months

Borrower 4 Business Tax Return Flag

Borrower 4 Business Tax Return Number of Months

Borrower 1 Verbal VOE Flag

Borrower 1 Verbal VOE Number of Months

Borrower 2 Verbal VOE Flag

Borrower 2 Verbal VOE Number of Months

Borrower 3 Verbal VOE Flag

Borrower 3 Verbal VOE Number of Months

Borrower 4 Verbal VOE Flag

Borrower 4 Verbal VOE Number of Months

Borrower 1 Written VOE Flag

Borrower 1 Written VOE Number of Months

Borrower 2 Written VOE Flag

Borrower 2 Written VOE Number of Months

Borrower 3 Written VOE Flag

Borrower 3 Written VOE Number of Months

Borrower 4 Written VOE Flag

Borrower 4 Written VOE Number of Months

Borrower 1 P&L Flag

Borrower 1 P&L Number of Months

Borrower 2 P&L Flag

Borrower 2 P&L Number of Months

Borrower 3 P&L Flag

Borrower 3 P&L Number of Months

Borrower 4 P&L Flag

Borrower 4 P&L Number of Months

Borrower 1 Lease Agreement Flag

Borrower 1 Lease Agreement Number of Months

Borrower 2 Lease Agreement Flag

Borrower 2 Lease Agreement Number of Months

Borrower 3 Lease Agreement Flag

Borrower 3 Lease Agreement Number of Months

Borrower 4 Lease Agreement Flag

Borrower 4 Lease Agreement Number of Months

Equity Income Flag

Equity Income Amount

Equity Income Number of Months

DSCR with Rent Schedule Flag

DSCR with Rent Schedule Income Amount

DSCR with Lease Agreement Flag

DSCR with Lease Agreement Income Amount

DSCR %

Borrower 1 CPA Letter with Income Flag

Borrower 1 CPA Letter with Income Number of Months

Borrower 1 CPA Letter without Income Flag

Borrower 1 CPA Letter without Income Number of Months

Borrower 2 CPA Letter with Income Flag

Borrower 2 CPA Letter with Income Number of Months

Borrower 2 CPA Letter without Income Flag

Borrower 2 CPA Letter without Income Number of Months

Borrower 3 CPA Letter with Income Flag

Borrower 3 CPA Letter with Income Number of Months

Borrower 3 CPA Letter without Income Flag

Borrower 3 CPA Letter without Income Number of Months

Borrower 4 CPA Letter with Income Flag

Borrower 4 CPA Letter with Income Number of Months

Borrower 4 CPA Letter without Income Flag

Borrower 4 CPA Letter without Income Number of Months

Borrower 1 Personal Bank Statements Flag

Borrower 1 Personal Bank Statements Number of Months

Borrower 2 Personal Bank Statements Flag

Borrower 2 Personal Bank Statements Number of Months

Borrower 3 Personal Bank Statements Flag

Borrower 3 Personal Bank Statements Number of Months

Borrower 4 Personal Bank Statements Flag

Borrower 4 Personal Bank Statements Number of Months

Borrower 1 Business Bank Statements Flag

Borrower 1 Business Bank Statements Number of Months

Borrower 2 Business Bank Statements Flag

Borrower 2 Business Bank Statements Number of Months

Borrower 3 Business Bank Statements Flag

Borrower 3 Business Bank Statements Number of Months

Borrower 4 Business Bank Statements Flag

Borrower 4 Business Bank Statements Number of Months

Borrower 1 Award Letter Flag

Borrower 1 Award Letter Number of Months

Borrower 2 Award Letter Flag

Borrower 2 Award Letter Number of Months

Borrower 3 Award Letter Flag

Borrower 3 Award Letter Number of Months

Borrower 4 Award Letter Flag

Borrower 4 Award Letter Number of Months

Borrower 1 Offer Letter Flag

Borrower 1 Offer Letter Number of Months

Borrower 2 Offer Letter Flag

Borrower 2 Offer Letter Number of Months

Borrower 3 Offer Letter Flag

Borrower 3 Offer Letter Number of Months

Borrower 4 Offer Letter Flag

Borrower 4 Offer Letter Number of Months

Borrower 1 IRS Transcripts - Tax Returns Flag

Borrower 1 IRS Transcripts - Tax Returns Number of Months

Borrower 1 IRS Transcripts - W2s Flag

Borrower 1 IRS Transcripts - W2s Number of Months

Borrower 2 IRS Transcripts - Tax Returns Flag

Borrower 2 IRS Transcripts - Tax Returns Number of Months

Borrower 2 IRS Transcripts - W2s Flag

Borrower 2 IRS Transcripts - W2s Number of Months

Borrower 3 IRS Transcripts - Tax Returns Flag

Borrower 3 IRS Transcripts - Tax Returns Number of Months

Borrower 3 IRS Transcripts - W2s Flag

Borrower 3 IRS Transcripts - W2s Number of Months

Borrower 4 IRS Transcripts - Tax Returns Flag

Borrower 4 IRS Transcripts - Tax Returns Number of Months

Borrower 4 IRS Transcripts - W2s Flag

Borrower 4 IRS Transcripts - W2s Number of Months

Borrower 1 Income Doc Type Summary

Borrower 2 Income Doc Type Summary

Borrower 3 Income Doc Type Summary

Borrower 4 Income Doc Type Summary

60463

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.8750

(No Data)

-2039.53

(No Data)

Yes

1495.00

0.7330

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60467

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

7.5989

1.615

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

46.5

Yes

3363.19

(No Data)

Yes

(No Data)

Award Letter - 36 months;

(No Data)

60472

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Attached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

5.1754

1.54

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

47.27

Yes

3053.25

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 5 months;

Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;

(No Data)

26705

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

(No Data)

Yes

9.5310

Yes

2.246

(No Data)

19.72

(No Data)

8455.17

(No Data)

25728

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

7.0981

Yes

3.41

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

36.66

Yes

39589.17

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 24 months;
CPA Letter without Income - 24 months;

(No Data)

27397

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

(No Data)

Yes

6.5041

Yes

(No Data)

11.72

13.2

(No Data)

10166.88

(No Data)

31756

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

5.5871

Yes

2.938

3.000

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

24.66

24.59

24.33

24.59

(No Data)

7620.02

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 1 months;
Personal Bank Statements - 12 months;

(No Data)

31743

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

8.1399

Yes

3.569

Unavailable

(No Data)

Yes

Documented

Not Applicable

Documented

17.86

20.42

17.86

(No Data)

10343.61

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;
Verbal VOE with Income - 1 months;
W2 - 24 months;

(No Data)

41496

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

Primary

SFR

Conventional

(No Data)

Purchase

Yes

(No Data)

Yes

5.6036

Yes

3.281

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

18.85

17.38

18.85

15.56

Yes

39688.11

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter with Income - 1 months;
Personal Bank Statements - 1 months;

(No Data)

51275

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.1250

(No Data)

-2614.15

(No Data)

Yes

2650.00

(No Data)

1.0137

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60477

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.1250

(No Data)

-1434.6

(No Data)

Yes

1625.00

(No Data)

1.1327

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

56019

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.1250

(No Data)

-4120.61

(No Data)

Yes

4200.00

(No Data)

1.0220

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60479

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

7.5858

1.857

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

46.33

45.24

46.33

45.24

Yes

3317.77

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 3 months;
W2 - 24 months;
Written VOE - 48 months;

Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;

(No Data)

60480

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Condotel

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

4.7500

(No Data)

-12180.19

(No Data)

Yes

14000.00

(No Data)

1.1494

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60481

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Rate and Term Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.6251

(No Data)

-1726.18

(No Data)

Yes

1850.00

(No Data)

1.0717

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60483

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

3.4806

1.29

(No Data)

Yes

Documented

Not Applicable

Documented

46.9

Yes

7865.57

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 96 months;

(No Data)

60484

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.8750

(No Data)

-1855.61

(No Data)

Yes

2300.00

(No Data)

1.2395

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60485

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

4.5535

Yes

1.977

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

47.22

40.46

47.22

40.46

Yes

6254.58

(No Data)

Yes

(No Data)

Personal Bank Statements - 14 months;

(No Data)

56065

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

4.4307

Yes

2.004

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

17.82

16.11

17.82

16.11

Yes

46406.93

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 72 months;

(No Data)

60487

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.2500

(No Data)

-2493.36

(No Data)

Yes

1500.00

(No Data)

0.6012

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60490

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB

(No Data)

Yes

4.3750

1.75

(No Data)

-1871.93

(No Data)

Yes

1700.00

(No Data)

0.9080

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60492

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3

(No Data)

Yes

5.5001

2.4

(No Data)

-1450.73

(No Data)

Yes

2200.00

(No Data)

1.5165

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60495

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

4.5000

(No Data)

-5562.76

(No Data)

Yes

(No Data)

Yes

4200.00

(No Data)

0.7550

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60500

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

3.8750

(No Data)

-1015.56

(No Data)

Yes

1110.00

1.0920

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60501

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Manufactured (Dbl)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

5.5695

Yes

3.566

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

42.14

21.16

42.14

21.16

21.15

21.16

Yes

4241.02

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 4 months;
Verbal VOE with Income - 12 months;
W2 - 24 months;
Written VOE - 34 months;

Award Letter - 12 months;

(No Data)

60503

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

6.8515

Yes

2.251

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

39.12

Yes

8745.35

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 3 months;
Verbal VOE with Income - 40 months;
W2 - 24 months;
Written VOE - 40 months;

(No Data)

60505

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.8750

(No Data)

-1000.49

(No Data)

Yes

1700.00

(No Data)

1.6992

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60506

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

6.4767

Yes

2.59

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

32.83

39.77

32.83

39.77

Yes

7014.4

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
Personal Bank Statements - 12 months;

(No Data)

60507

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

5.1250

(No Data)

-1157.5

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

(No Data)

Yes

1325.00

1.1447

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60509

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of amt prepd in yr 1,2,3

(No Data)

Yes

5.0000

(No Data)

-1698.15

(No Data)

Yes

(No Data)

Yes

1450.00

(No Data)

0.8539

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60510

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.7500

(No Data)

-1465.2

(No Data)

Yes

1750.00

1.1944

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60511

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

4.4287

Yes

2.046

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

33.04

33.81

33.04

33.81

Yes

4821.98

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 60 months;

(No Data)

60513

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.7490

(No Data)

-1415.86

(No Data)

Yes

2000.00

2.1572

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60514

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.7500

(No Data)

-1707.72

(No Data)

Yes

1750.00

1.0248

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60515

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

4.7539

Yes

1.27

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

36.66

28.17

36.66

28.17

Yes

13631.65

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 48 months;

(No Data)

60518

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo (5-8)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of amt prepd in yr 1,2,3

(No Data)

Yes

5.7490

(No Data)

-3258.38

(No Data)

Yes

(No Data)

Yes

3880.00

(No Data)

1.1908

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60520

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo (5-8)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of OPB in year 1,2,3

(No Data)

Yes

5.6251

(No Data)

-3044.15

(No Data)

Yes

(No Data)

Yes

3880.00

(No Data)

1.2746

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60521

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.2500

(No Data)

-1225.22

(No Data)

Yes

1550.00

(No Data)

1.2651

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60522

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3

(No Data)

Yes

7.3740

2.4

(No Data)

-2532

(No Data)

Yes

4300.00

1.6983

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60524

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Rate and Term Refi

(No Data)

4.1912

Yes

2.108

0.000

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

39.29

35.18

39.29

35.18

Yes

4894.95

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 84 months;
Personal Bank Statements - 3 months;

(No Data)

60527

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

4.3974

Yes

1.529

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

41.98

Yes

12070.09

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
Personal Bank Statements - 12 months;

(No Data)

60530

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

4.3559

Yes

1.269

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

34.73

34.3

34.73

34.3

Yes

40620.4

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

Paystub - 2 months;
Verbal VOE with Income - 36 months;
W2 - 24 months;

(No Data)

60531

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.6250

(No Data)

-3147.58

(No Data)

Yes

2250.00

(No Data)

0.7140

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60532

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

3.8750

Yes

(No Data)

-2340.6

(No Data)

Yes

3875.00

1.6556

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60533

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

4.3834

Yes

2.841

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

37.66

36.37

37.66

36.37

Yes

4058.55

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Award Letter - 1 months;
Paystub - 3 months;
W2 - 24 months;

Paystub - 4 months;
Verbal VOE with Income - 1 months;
W2 - 24 months;

(No Data)

60536

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

Yes

(No Data)

Yes

5.3100

Yes

2.046

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

39.59

39.71

45.2

32.34

37.59

Yes

4722.18

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

120

(No Data)

Paystub - 3 months;
Written VOE - 120 months;

Paystub - 7 months;
W2 - 24 months;

(No Data)

60538

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

5.8300

Yes

2.046

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

27.07

27.16

27.07

27.16

Yes

12750.34

(No Data)

Yes

108

(No Data)

Yes

108

(No Data)

Yes

(No Data)

Business Bank Statements - 13 months;
CPA Letter without Income - 108 months;

(No Data)

60540

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3

(No Data)

Yes

5.9989

2.4

(No Data)

-1650.65

(No Data)

Yes

1200.00

(No Data)

0.7269

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60541

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Condotel

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.7500

(No Data)

-1858.18

(No Data)

Yes

2300.00

(No Data)

1.2378

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60542

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Condotel

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.3751

(No Data)

-2926.21

(No Data)

Yes

5222.00

(No Data)

1.7846

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60547

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

5.2754

Yes

2.006

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

1.53

Yes

773062.14

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 15 months;
CPA Letter without Income - 49 months;

(No Data)

60549

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

3.2082

Yes

1.011

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

20.75

21.37

20.75

21.37

(No Data)

39514.84

(No Data)

Yes

(No Data)

Business Bank Statements - 14 months;

(No Data)

60552

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of amt prepd in yr 1,2,3

(No Data)

Yes

5.0000

(No Data)

-1461.2

(No Data)

Yes

(No Data)

Yes

1975.00

(No Data)

1.3516

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60554

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

6.7573

Yes

2.002

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

26.33

26.61

26.33

26.61

Yes

25687.55

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 13 months;
CPA Letter without Income - 24 months;

(No Data)

60556

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

4.6203

Yes

3.007

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

35.5

Yes

5501.14

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
Personal Bank Statements - 12 months;

(No Data)

60559

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3

(No Data)

Yes

6.0000

2.4

(No Data)

-1295.75

(No Data)

Yes

1675.00

1.2930

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60563

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of amt prepd in yr 1,2,3

(No Data)

Yes

5.8750

(No Data)

-1892.26

(No Data)

Yes

(No Data)

Yes

1275.00

(No Data)

0.6738

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60564

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Condotel

Conventional

(No Data)

Purchase

Yes

3%, 2%, 1% of amt prepd in yr 1,2,3

(No Data)

Yes

4.5000

(No Data)

-5932.69

(No Data)

Yes

(No Data)

Yes

6200.00

(No Data)

1.0451

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60569

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB

(No Data)

Yes

4.5000

(No Data)

-1977.92

(No Data)

Yes

1950.00

0.9859

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60572

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.5000

(No Data)

-1384.1

(No Data)

Yes

1500.00

(No Data)

1.0837

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60575

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.1250

(No Data)

-3974.99

(No Data)

Yes

3650.00

(No Data)

0.9182

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60577

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Condotel

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

4.8750

(No Data)

-1667.82

(No Data)

Yes

1000.00

(No Data)

0.5996

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60578

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo (5-8)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

5.5001

(No Data)

-2276.62

(No Data)

Yes

2800.00

(No Data)

1.2299

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60579

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Rate and Term Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

6.1250

(No Data)

-1410.43

(No Data)

Yes

1500.00

(No Data)

1.0635

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60580

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3

(No Data)

Yes

4.6250

2.4

(No Data)

-3038.18

(No Data)

Yes

2900.00

(No Data)

1.6840

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60581

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

3.6791

Yes

2.049

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

8.84

Yes

78608.51

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

60584

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.3750

(No Data)

-4225.26

(No Data)

Yes

3250.00

(No Data)

0.7690

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60588

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

3.8750

(No Data)

-5278.81

(No Data)

Yes

4100.00

(No Data)

0.7767

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60591

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

3.8750

(No Data)

-1956.68

(No Data)

Yes

1880.00

0.9608

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60596

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

3.8750

(No Data)

-1745.41

(No Data)

Yes

1350.00

0.7734

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60598

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

3.8750

(No Data)

-2082.81

(No Data)

Yes

1902.00

0.9130

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60600

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

3.8750

(No Data)

-1934.92

(No Data)

Yes

1595.00

0.8243

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60612

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.2500

(No Data)

-1801.29

(No Data)

Yes

2000.00

(No Data)

1.1103

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60615

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

4.8750

(No Data)

-1654.22

(No Data)

Yes

1850.00

(No Data)

1.1183

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60616

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.1250

(No Data)

-2987.6

(No Data)

Yes

2800.00

(No Data)

0.9400

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60617

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Condotel

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of amt prepd in yr 1,2,3

(No Data)

Yes

5.2500

(No Data)

-3552.08

(No Data)

Yes

(No Data)

Yes

3880.00

(No Data)

1.0923

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60618

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

3.3226

Yes

0.868

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

20.88

Yes

24839.97

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 14 months;
CPA Letter without Income - 34 months;

(No Data)

60622

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.8750

(No Data)

-5385.42

(No Data)

Yes

7000.00

(No Data)

1.2998

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60624

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

6.5000

(No Data)

-1344.4

(No Data)

Yes

1550.00

(No Data)

1.1529

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60627

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.3750

(No Data)

-3918.76

(No Data)

Yes

5100.00

(No Data)

1.3014

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60628

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Condotel

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.7500

(No Data)

-2826.76

(No Data)

Yes

4167.00

(No Data)

1.4741

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60629

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.5000

(No Data)

-1696.56

(No Data)

Yes

1600.00

0.9431

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60634

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

7.1251

(No Data)

-1514.56

(No Data)

Yes

1000.00

0.6625

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60637

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

4.1250

(No Data)

-5730.62

(No Data)

Yes

3700.00

(No Data)

0.6457

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60638

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

ATR Risk: Non-QM - Lender did not document all ATR UW factors

XXXXXX

Second Home

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

4.8880

Yes

1.526

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

(No Data)

-4684.29

(No Data)

60642

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

5.0179

Yes

1.525

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

21.64

20.18

21.64

20.18

Yes

16548.14

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

60643

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.2500

(No Data)

-1172.75

(No Data)

Yes

1500.00

(No Data)

1.2790

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60644

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.7500

(No Data)

-3537.11

(No Data)

Yes

2850.00

(No Data)

0.8057

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60645

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo (5-8)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3

(No Data)

Yes

5.6251

2.4

(No Data)

-2597.67

(No Data)

Yes

2500.00

(No Data)

0.9624

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60649

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.3750

(No Data)

-1737.47

(No Data)

Yes

2400.00

(No Data)

1.3813

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60652

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.3750

(No Data)

-1705.76

(No Data)

Yes

2340.00

(No Data)

1.3718

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60653

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.3750

(No Data)

-1803.7

(No Data)

Yes

2250.00

(No Data)

1.2474

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60655

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.3750

(No Data)

-1794.11

(No Data)

Yes

1950.00

(No Data)

1.0869

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60656

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

4.9707

2.308

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

49.73

Yes

12568.52

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;

(No Data)

60658

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3

(No Data)

Yes

4.8750

2.4

(No Data)

-2376.34

(No Data)

Yes

2345.00

(No Data)

0.9868

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60662

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.0000

(No Data)

-2518.78

(No Data)

Yes

2300.00

(No Data)

0.9131

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60664

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of amt prepd in yr 1,2,3

(No Data)

Yes

5.5001

(No Data)

-1627.29

(No Data)

Yes

(No Data)

Yes

1600.00

(No Data)

0.9832

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60667

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

5.0000

(No Data)

-1931.77

(No Data)

Yes

1875.00

(No Data)

0.9706

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60669

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.8750

(No Data)

-1962.2

(No Data)

Yes

2000.00

(No Data)

1.0193

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60671

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3

(No Data)

Yes

4.6250

2.4

(No Data)

-2243.3

(No Data)

Yes

2100.00

0.9361

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60672

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5

(No Data)

Yes

4.6250

(No Data)

-1973.37

(No Data)

Yes

(No Data)

Yes

2800.00

(No Data)

1.4189

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60673

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

3.2084

Yes

1.011

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

27.44

22.4

27.44

22.4

Yes

34963.32

(No Data)

Yes

(No Data)

Business Bank Statements - 13 months;

(No Data)

60681

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

ATR Risk: Non-QM - Lender did not document all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

4.3182

Yes

2.048

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

37.49

37.47

37.49

37.47

Yes

3673.06

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 13 months;
CPA Letter without Income - 36 months;

(No Data)

60683

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

4.2500

(No Data)

-2263.74

(No Data)

Yes

4000.00

(No Data)

1.7600

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60689

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5

(No Data)

Yes

3.8750

(No Data)

-1694.43

(No Data)

Yes

2350.00

(No Data)

1.3869

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60690

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.1250

(No Data)

-2170.99

(No Data)

Yes

2900.00

1.3358

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

60698

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.8750

(No Data)

-2944.82

(No Data)

Yes

2900.00

(No Data)

0.9848

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60700

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

3%, 2%, 1% of UPB in year 1,2,3

(No Data)

Yes

4.8750

(No Data)

-1248.91

(No Data)

Yes

1250.00

(No Data)

1.0009

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60702

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

3.8750

(No Data)

-2147.75

(No Data)

Yes

3400.00

(No Data)

1.5830

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

60705

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

5.5580

Yes

1.788

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

14.89

14.99

14.89

14.99

Yes

26099.78

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 13 months;
CPA Letter without Income - 24 months;

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

27116

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

6.3750

Yes

(No Data)

11.32

(No Data)

45869.98

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 24 months;
Personal Bank Statements - 24 months;

(No Data)

28074

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

7.0234

(No Data)

49.61

(No Data)

8427.86

(No Data)

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.14

Client Name:
Client Project Name:	MFA 2022-NQM2
Start - End Dates:	6/26/2019 - 12/28/2021
Deal Loan Count:	112


Rating Agency ATR QM Data Fields

Loans in Report:	112

Loan Number

Loan Level ATR/QM Status

Application Date Prior to 1/10/2014

TRID Indicator

Lender Application Date

Broker Application Date

GSE Eligible

QRM Flag

ATR/QM Total Points and Fees

Rate Lock Date

APR

Bwr 1 Employment Indicator

Bwr 2 Employment Indicator

Bwr 1 Foreign National Indicator

Bwr 2 Foreign National Indicator

Borrowers Qualified Through a Non-Resident Alien Program

Residual Income Analysis in File

ATR/QM Residual Income

60463

ATR/QM: Exempt

Yes

XXXXXX

9165

XXXXXX

4.875

Unemployed

(No Data)

U.S. Citizen

(No Data)

60467

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

3545

XXXXXX

7.5989

Unemployed

(No Data)

U.S. Citizen

(No Data)

Yes

3363.19

60472

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

3840

XXXXXX

5.1754

Employed

U.S. Citizen

Non-Permanent Resident Alien

(No Data)

Yes

3053.25

26705

ATR/QM: Exempt

Yes

XXXXXX

4126.25

XXXXXX

9.531

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

25728

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

7895

XXXXXX

7.0981

Employed

(No Data)

U.S. Citizen

(No Data)

39589.17

27397

ATR/QM: Exempt

Yes

XXXXXX

6.5041

Employed

Non-Resident Alien

(No Data)

31756

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

9395

XXXXXX

5.5871

Employed

(No Data)

U.S. Citizen

(No Data)

31743

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

8540

XXXXXX

8.1399

Employed

U.S. Citizen

(No Data)

41496

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

17832.5

XXXXXX

5.6036

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

39688.11

51275

ATR/QM: Exempt

Yes

XXXXXX

8718

XXXXXX

5.125

Unemployed

(No Data)

Non-Resident Alien

(No Data)

60477

ATR/QM: Exempt

Yes

XXXXXX

4500

XXXXXX

5.125

Unemployed

(No Data)

Non-Resident Alien

(No Data)

56019

ATR/QM: Exempt

Yes

XXXXXX

15015

XXXXXX

5.125

Unemployed

(No Data)

Non-Permanent Resident Alien

(No Data)

60479

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

5970

XXXXXX

7.5858

Employed

U.S. Citizen

(No Data)

Yes

3317.77

60480

ATR/QM: Exempt

Yes

XXXXXX

70000

XXXXXX

4.75

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

60481

ATR/QM: Exempt

Yes

XXXXXX

7875

XXXXXX

5.6251

Unemployed

(No Data)

U.S. Citizen

(No Data)

60483

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

15445

XXXXXX

3.4806

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

7865.57

60484

ATR/QM: Exempt

Yes

XXXXXX

6184.5

XXXXXX

4.875

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

60485

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

6295

XXXXXX

4.5535

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

6254.58

56065

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

8925

XXXXXX

4.4307

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

46406.93

60487

ATR/QM: Exempt

Yes

XXXXXX

11250

XXXXXX

4.25

Employed

(No Data)

U.S. Citizen

(No Data)

60490

ATR/QM: Exempt

Yes

XXXXXX

4134.38

XXXXXX

4.375

Employed

(No Data)

U.S. Citizen

(No Data)

60492

ATR/QM: Exempt

Yes

XXXXXX

4788

XXXXXX

5.5001

Employed

Unemployed

Non-Permanent Resident Alien

(No Data)

60495

ATR/QM: Exempt

Yes

XXXXXX

4.5

Unemployed

(No Data)

U.S. Citizen

(No Data)

60500

ATR/QM: Exempt

Yes

XXXXXX

4725

XXXXXX

3.875

Employed

(No Data)

U.S. Citizen

(No Data)

60501

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

4735

XXXXXX

5.5695

Employed

U.S. Citizen

(No Data)

Yes

3214.14

60503

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

14635

XXXXXX

6.8515

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

8745.35

60505

ATR/QM: Exempt

Yes

XXXXXX

4500

XXXXXX

4.875

Employed

(No Data)

Non-Resident Alien

(No Data)

60506

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

2600

XXXXXX

6.4767

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

7014.4

60507

ATR/QM: Exempt

Yes

XXXXXX

7280

XXXXXX

5.125

Employed

Non-Resident Alien

(No Data)

60509

ATR/QM: Exempt

Yes

XXXXXX

5040

XXXXXX

Unemployed

(No Data)

Permanent Resident Alien

(No Data)

60510

ATR/QM: Exempt

Yes

XXXXXX

7455

XXXXXX

4.75

Employed

(No Data)

U.S. Citizen

(No Data)

60511

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

6860

XXXXXX

4.4287

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

4781.29

60513

ATR/QM: Exempt

Yes

XXXXXX

4200

XXXXXX

4.749

Employed

(No Data)

U.S. Citizen

(No Data)

60514

ATR/QM: Exempt

Yes

XXXXXX

8505

XXXXXX

4.75

Employed

(No Data)

U.S. Citizen

(No Data)

60515

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

3820

XXXXXX

4.7539

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

13631.65

60518

ATR/QM: Exempt

Yes

XXXXXX

10098

XXXXXX

5.749

Unemployed

(No Data)

U.S. Citizen

(No Data)

60520

ATR/QM: Exempt

Yes

XXXXXX

9111

XXXXXX

5.6251

Unemployed

Non-Permanent Resident Alien

(No Data)

60521

ATR/QM: Exempt

Yes

XXXXXX

3717

XXXXXX

5.25

Employed

(No Data)

U.S. Citizen

(No Data)

60522

ATR/QM: Exempt

Yes

XXXXXX

6367.2

XXXXXX

7.374

Employed

(No Data)

U.S. Citizen

(No Data)

60524

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

5500

XXXXXX

4.1912

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

4894.95

60527

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

9780

XXXXXX

4.3974

Employed

U.S. Citizen

(No Data)

Yes

12070.09

60530

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

14875

XXXXXX

4.3559

Employed

U.S. Citizen

(No Data)

Yes

40620.4

60531

ATR/QM: Exempt

Yes

XXXXXX

12037.5

XXXXXX

4.625

Unemployed

U.S. Citizen

(No Data)

60532

ATR/QM: Exempt

Yes

XXXXXX

20000

XXXXXX

3.875

Employed

(No Data)

U.S. Citizen

(No Data)

60533

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

5500

XXXXXX

4.3834

Employed

U.S. Citizen

(No Data)

Yes

4058.55

60536

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

6240

XXXXXX

5.31

Employed

U.S. Citizen

(No Data)

Yes

4722.18

60538

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

7000

XXXXXX

5.83

Employed

U.S. Citizen

(No Data)

Yes

12750.34

60540

ATR/QM: Exempt

Yes

XXXXXX

5220

XXXXXX

5.9989

Unemployed

U.S. Citizen

(No Data)

60541

ATR/QM: Exempt

Yes

XXXXXX

6300

XXXXXX

5.75

Unemployed

(No Data)

U.S. Citizen

(No Data)

60542

ATR/QM: Exempt

Yes

XXXXXX

10012.5

XXXXXX

5.3751

Unemployed

(No Data)

U.S. Citizen

(No Data)

60547

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

28900

XXXXXX

5.2754

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

773062.14

60549

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

11960

XXXXXX

3.2082

Employed

U.S. Citizen

(No Data)

60552

ATR/QM: Exempt

Yes

XXXXXX

4719

XXXXXX

Unemployed

(No Data)

Non-Resident Alien

(No Data)

60554

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

20800

XXXXXX

6.7573

Employed

Unemployed

U.S. Citizen

(No Data)

Yes

92953.35

60556

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

8160

XXXXXX

4.6203

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

5501.13

60559

ATR/QM: Exempt

Yes

XXXXXX

3294

XXXXXX

Unemployed

(No Data)

U.S. Citizen

(No Data)

60563

ATR/QM: Exempt

Yes

XXXXXX

3567

XXXXXX

5.875

Unemployed

(No Data)

Non-Resident Alien

(No Data)

60564

ATR/QM: Exempt

Yes

XXXXXX

18690

XXXXXX

4.5

Unemployed

Employed

(No Data)

Non-Resident Alien

(No Data)

60569

ATR/QM: Exempt

Yes

XXXXXX

13000

XXXXXX

4.5

Unemployed

(No Data)

Non-Permanent Resident Alien

(No Data)

60572

ATR/QM: Exempt

Yes

XXXXXX

6615

XXXXXX

4.5

Unemployed

(No Data)

U.S. Citizen

(No Data)

60575

ATR/QM: Exempt

Yes

XXXXXX

20370

XXXXXX

5.125

Unemployed

(No Data)

Non-Resident Alien

(No Data)

60577

ATR/QM: Exempt

Yes

XXXXXX

8250

XXXXXX

4.875

Unemployed

U.S. Citizen

(No Data)

60578

ATR/QM: Exempt

Yes

XXXXXX

9000

XXXXXX

5.5001

Employed

(No Data)

U.S. Citizen

(No Data)

60579

ATR/QM: Exempt

Yes

XXXXXX

5355

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

60580

ATR/QM: Exempt

Yes

XXXXXX

5346

XXXXXX

4.625

Unemployed

(No Data)

U.S. Citizen

(No Data)

60581

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

6930

XXXXXX

3.6791

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

78608.51

60584

ATR/QM: Exempt

Yes

XXXXXX

19800

XXXXXX

4.375

Unemployed

(No Data)

U.S. Citizen

(No Data)

60588

ATR/QM: Exempt

Yes

XXXXXX

50625

XXXXXX

3.875

Unemployed

(No Data)

U.S. Citizen

(No Data)

60591

ATR/QM: Exempt

Yes

XXXXXX

16875

XXXXXX

3.875

Employed

(No Data)

U.S. Citizen

(No Data)

60596

ATR/QM: Exempt

Yes

XXXXXX

14062.5

XXXXXX

3.875

Employed

(No Data)

U.S. Citizen

(No Data)

60598

ATR/QM: Exempt

Yes

XXXXXX

18750

XXXXXX

3.875

Unemployed

(No Data)

U.S. Citizen

(No Data)

60600

ATR/QM: Exempt

Yes

XXXXXX

16312.5

XXXXXX

3.875

Unemployed

(No Data)

U.S. Citizen

(No Data)

60612

ATR/QM: Exempt

Yes

XXXXXX

5670

XXXXXX

4.25

Unemployed

(No Data)

U.S. Citizen

(No Data)

60615

ATR/QM: Exempt

Yes

XXXXXX

6037.5

XXXXXX

4.875

Unemployed

(No Data)

U.S. Citizen

(No Data)

60616

ATR/QM: Exempt

Yes

XXXXXX

10530

XXXXXX

5.125

Employed

(No Data)

Non-Resident Alien

(No Data)

60617

ATR/QM: Exempt

Yes

XXXXXX

11562

XXXXXX

5.25

Unemployed

(No Data)

U.S. Citizen

(No Data)

60618

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

9649.2

XXXXXX

3.3226

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

24839.97

60622

ATR/QM: Exempt

Yes

XXXXXX

21150

XXXXXX

4.875

Unemployed

U.S. Citizen

(No Data)

60624

ATR/QM: Exempt

Yes

XXXXXX

3825

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

60627

ATR/QM: Exempt

Yes

XXXXXX

19200

XXXXXX

4.375

Unemployed

(No Data)

U.S. Citizen

(No Data)

60628

ATR/QM: Exempt

Yes

XXXXXX

9775.5

XXXXXX

4.75

Unemployed

U.S. Citizen

(No Data)

60629

ATR/QM: Exempt

Yes

XXXXXX

6097.5

XXXXXX

4.5

Employed

(No Data)

U.S. Citizen

(No Data)

60634

ATR/QM: Exempt

Yes

XXXXXX

6000

XXXXXX

7.1251

Employed

(No Data)

U.S. Citizen

(No Data)

60637

ATR/QM: Exempt

Yes

XXXXXX

46000

XXXXXX

4.125

Unemployed

U.S. Citizen

(No Data)

60638

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

11295

XXXXXX

4.888

Unemployed

(No Data)

U.S. Citizen

(No Data)

60642

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

5100

XXXXXX

5.0179

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

16548.14

60643

ATR/QM: Exempt

Yes

XXXXXX

3675

XXXXXX

5.25

Employed

Non-Permanent Resident Alien

(No Data)

60644

ATR/QM: Exempt

Yes

XXXXXX

15360

XXXXXX

5.75

Unemployed

(No Data)

Permanent Resident Alien

(No Data)

60645

ATR/QM: Exempt

Yes

XXXXXX

7326

XXXXXX

5.6251

Employed

(No Data)

U.S. Citizen

(No Data)

60649

ATR/QM: Exempt

Yes

XXXXXX

6825

XXXXXX

4.375

Employed

(No Data)

U.S. Citizen

(No Data)

60652

ATR/QM: Exempt

Yes

XXXXXX

6678

XXXXXX

4.375

Employed

(No Data)

U.S. Citizen

(No Data)

60653

ATR/QM: Exempt

Yes

XXXXXX

7014

XXXXXX

4.375

Employed

(No Data)

U.S. Citizen

(No Data)

60655

ATR/QM: Exempt

Yes

XXXXXX

7329

XXXXXX

4.375

Employed

(No Data)

U.S. Citizen

(No Data)

60656

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

15795

XXXXXX

4.9707

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

12568.52

60658

ATR/QM: Exempt

Yes

XXXXXX

5566.8

XXXXXX

4.875

Unemployed

(No Data)

Non-Resident Alien

(No Data)

60662

ATR/QM: Exempt

Yes

XXXXXX

6750

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

60664

ATR/QM: Exempt

Yes

XXXXXX

4725

XXXXXX

5.5001

Unemployed

(No Data)

Non-Permanent Resident Alien

(No Data)

60667

ATR/QM: Exempt

Yes

XXXXXX

8100

XXXXXX

Unemployed

Non-Permanent Resident Alien

(No Data)

60669

ATR/QM: Exempt

Yes

XXXXXX

8610

XXXXXX

4.875

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

60671

ATR/QM: Exempt

Yes

XXXXXX

8760

XXXXXX

4.625

Unemployed

(No Data)

U.S. Citizen

(No Data)

60672

ATR/QM: Exempt

Yes

XXXXXX

10500

XXXXXX

4.625

Unemployed

Employed

(No Data)

U.S. Citizen

(No Data)

60673

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

14980

XXXXXX

3.2084

Employed

U.S. Citizen

(No Data)

Yes

34963.32

60681

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

5400

XXXXXX

4.3182

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

3673.06

60683

ATR/QM: Exempt

Yes

XXXXXX

15937.5

XXXXXX

4.25

Employed

(No Data)

U.S. Citizen

(No Data)

60689

ATR/QM: Exempt

Yes

XXXXXX

11900

XXXXXX

3.875

Employed

(No Data)

U.S. Citizen

(No Data)

60690

ATR/QM: Exempt

Yes

XXXXXX

13515

XXXXXX

4.125

Employed

(No Data)

U.S. Citizen

(No Data)

60698

ATR/QM: Exempt

Yes

XXXXXX

11970

XXXXXX

4.875

Unemployed

(No Data)

Non-Resident Alien

(No Data)

60700

ATR/QM: Exempt

Yes

XXXXXX

4725

XXXXXX

4.875

Unemployed

(No Data)

Non-Resident Alien

(No Data)

60702

ATR/QM: Exempt

Yes

XXXXXX

3.875

Unemployed

(No Data)

U.S. Citizen

(No Data)

60705

Non-QM: Lender documented all ATR UW factors

Yes

XXXXXX

4374

XXXXXX

5.558

Employed

U.S. Citizen

(No Data)

Yes

26099.78

27116

ATR/QM: Exempt

Yes

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

28074

ATR/QM: Exempt

Yes

XXXXXX

7.0234

Employed

(No Data)

U.S. Citizen

(No Data)

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.15

Client Name:
Client Project Name:	MFA 2022-NQM2
Start - End Dates:	6/26/2019 - 12/28/2021
Deal Loan Count:	112


Valuations Summary

Loans in Report:	112

					Origination Values										Automated Valuation Model							Desk Review				Second Desk Review				Field Review				Second Field Review				1004 SFR (Mar 05)				2055 Ext Only (Mar 05)				BPO (Broker Price Opinion)				Other					AUS Information
Loan Number	Seller Loan Number	Original Balance	Sales Price	Value For LTV	Appraised Date	Appraised Value	Appraisal Form	AVM Vendor Name	Confidence Score	Review Date	Review Value	Variance Amount	Variance %	Review Type	Report Date	Value	Variance Amount	Variance (%)	AVM Vendor Name	AVM FSD	Confidence Score	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance %	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Report Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Other - Valuation Type	Report Date	Value	Variance Amount	Variance (%)	CU Score
60463	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-6.38%	XXXX	8.000	92.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60467	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	4.74%	XXXX	3.000	97.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60472	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-1.00%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
26705	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
25728	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	5.92%	XXXX	0.000	0.05		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
27397	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-2.68%		0.000		XXXXXX	XXXXXX	XXXXXX	-2.68%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
31756	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	16.96%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
31743	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
41496	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	7.19%	XXXX	0.000	7.50		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
51275	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60477	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	0.00%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
56019	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	2.52%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60479	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	9.57%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60480	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60481	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-2.30%	XXXX	11.000	89.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60483	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-6.91%	XXXX	5.000	95.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60484	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-3.75%	XXXX	8.800	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60485	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	5.03%	XXXX	8.000	92.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
56065	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-20.71%	XXXX	6.000	94.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	Automated Valuation Model	XXXXXX	XXXXXX	XXXXXX	-14.44%	(No Data)
60487	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	6.58%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60490	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-4.44%	XXXX	3.000	97.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60492	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	13.69%	XXXX	17.700	82.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60495	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-16.36%	XXXX	8.000	92.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	Automated Valuation Model	XXXXXX	XXXXXX	XXXXXX	0.00%	(No Data)
60500	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.25%	XXXX	4.000	96.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60501	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004C Manuf (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-29.56%	XXXX	5.500	95.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60503	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-6.38%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60505	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60506	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.48%	XXXX	4.000	96.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60507	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-0.78%	XXXX	0.000	91.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60509	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60510	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.41%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60511	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-7.55%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60513	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60514	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	0.74%	XXXX	8.000	92.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60515	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.15%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60518	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60520	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-7.83%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60521	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	23.84%	XXXX	13.300	87.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60522	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-18.73%	XXXX	5.000	95.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60524	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-1.59%	XXXX	10.000	90.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60527	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.95%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60530	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	14.32%	XXXX	5.600	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60531	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	8.88%	XXXX	10.000	90.00	XXXXXX	XXXXXX	XXXXXX	0.93%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60532	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	0.47%	XXXX	29.000	71.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60533	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-2.19%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60536	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	2.22%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60538	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-9.23%	XXXX	8.000	92.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60540	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-7.50%	XXXX	11.000	89.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60541	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60542	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60547	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.24%	XXXX	4.000	96.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60549	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-20.97%	XXXX	11.000	89.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60552	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	2.02%	XXXX	10.000	90.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60554	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-0.31%	XXXX	19.000	81.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60556	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-8.76%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60559	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-3.74%	XXXX	13.000	87.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60563	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-8.00%	XXXX	5.000	95.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60564	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60569	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	7.42%	XXXX	9.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60572	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	0.32%	XXXX	8.000	92.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60575	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-1.00%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60577	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60578	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-2.04%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60579	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60580	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.35%	XXXX	5.000	95.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60581	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.01%	XXXX	4.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60584	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-3.55%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60588	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-34.00%	XXXX	8.000	92.00	XXXXXX	XXXXXX	XXXXXX	-0.74%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60591	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	42.22%	XXXX	18.000	82.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60596	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-4.59%	XXXX	9.000	91.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60598	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	6.20%	XXXX	16.000	84.00	XXXXXX	XXXXXX	XXXXXX	-1.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60600	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	22.07%	XXXX	20.000	80.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60612	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-1.09%	XXXX	3.000	97.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60615	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60616	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-0.64%	XXXX	4.000	96.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60617	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60618	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	6.21%	XXXX	13.000	87.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60622	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60624	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	23.81%	XXXX	12.500	88.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60627	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-1.46%	XXXX	2.000	98.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60628	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60629	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-5.54%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60634	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	21.41%	XXXX	11.000	89.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60637	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.04%	XXXX	4.000	96.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60638	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	11.16%	XXXX	39.000	61.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60642	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	-7.39%	XXXX	12.000	88.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60643	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-0.02%	XXXX	2.300	98.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60644	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	2.66%	XXXX	2.000	98.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60645	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	0.74%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60649	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-16.31%	XXXX	12.000	88.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60652	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-3.46%	XXXX	5.000	95.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60653	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-0.60%	XXXX	9.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60655	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-3.15%	XXXX	9.000	91.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60656	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-11.15%	XXXX	9.000	91.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60658	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	0.30%	XXXX	3.000	97.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60662	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60664	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	7.72%	XXXX	7.000	92.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60667	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60669	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-11.12%	XXXX	5.000	95.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60671	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	2.95%	XXXX	8.000	92.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60672	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-30.61%	XXXX	9.300	91.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	Automated Valuation Model	XXXXXX	XXXXXX	XXXXXX	-24.30%	(No Data)
60673	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-53.13%	XXXX	9.000	91.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60681	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	13.15%	XXXX	17.000	83.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60683	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-1.88%	XXXX	6.000	94.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60689	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00					$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60690	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-2.28%	XXXX	50.000	50.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60698	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.38%	XXXX	4.000	96.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60700	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	2.22%	XXXX	3.000	97.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60702	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-3.05%	XXXX	7.000	93.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
60705	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	-0.97%	XXXX	3.000	97.00		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
27116	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	15.10%	AVM		$0.00	$0.00	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
28074	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00				XXXXXX	XXXXXX	XXXXXX	1.19%	XXXX	12.000	88.00	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.16

FORWARD THINKING. SEAMLESS SOLUTIONS.

Executive Summary

MFA 2022-NQM2

May 7, 2022

6136 Frisco Square Blvd. | Suite 350 | Frisco, TX 75034

P: 888.892.1843 | evolvemortgageservices.com

EXECUTIVE SUMMARY

Overview

Evolve Mortgage Services (“Evolve”) performed certain due diligence services (the “Review”) described below on loans backed by residential properties (the “Loans”) originated by a lender and subsequently purchased by MFA Financial Inc (together with its affiliates the “Client”). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client via a Reliance Letter.

Sample size of the assets reviewed.

The final population of the Review covered 361 Loans. Including 203 residential and 158 business purpose loans, totaling an aggregate original principal balance of approximately $347,572,161. Evolve is not aware of the overall securitization population as other third-party review (“TPR”) firms may have reviewed loans within the overall securitization loan population.

Determination of the sample size and computation.

The Review was conducted consistent with the criteria for S&P Global Ratings (S&P) and DBRS, Inc., the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

Quality or integrity of information or data about the assets: review and methodology.

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

Amortization Type	Maturity Date	Property City
Appraised Value	Note Date	Property State
Doc Type	Occupancy	Property Street Address
DSCR	Original CLTV	Property Type
First Payment Date	Original Interest Rate	Property Zip
Index Type	Original Loan Amount	QM Status
Interest Only	Original LTV	Qualifying Credit Score
Lien Position	Original P&I	Qualifying DTI
Loan Purpose	Original Term	Sales Price
Margin	Prepayment Penalty	Self-Employment Flag

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Document Review

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

Credit Review

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

Credit Application

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

Credit Report

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

Borrowing Entity

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

Property Income

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

Valuation Review

Evolve’s review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve’s review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that

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the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Evolve’s review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve’s review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

Asset Review

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

Insurance

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

Title

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

Fraud / Criminal Background

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

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Limited Non-Owner Occupancy Certification Review

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

Final Form 1003/Loan application is reviewed to ensure that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property.

Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

The Primary Residence address(es) listed are compared for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.

Review additional items for confirmation of non-owner occupancy possibly including:

That the credit report address is different than the subject property

There is a lease in place if the loan is a refinance

There is landlord insurance on the property

Debt Service Coverage Ratio (DSCR)

Calculate DSCR as required by the guidelines

Data Collection

Evolve will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by Evolve. All material discrepancies will be noted.

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SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW

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

Compliance Results Summary

NRSRO Grade (S&P and DBRS)	# Loans	% Compliance Reviewed Loans
A	199	98.03%
B	4	1.97%
Not applicable	158	N/A
Total	361	100.00%

Credit Results Summary

NRSRO Grade (S&P and DBRS)	# Loans	% of Loans
A	308	85.32%
B	53	14.68%
Total	361	100.00%

Property Valuation Results Summary

NRSRO Grade (S&P and DBRS)	# Loans	% of Loans
A	356	98.61%
B	5	1.39%
Total	361	100.00%

Overall Results Summary

NRSRO Grade (S&P and DBRS)	# Loans	% of Loans
A	301	83.38%
B	60	16.62%
Total	361	100.00%

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Data Results Summary

Field Label	# Loans with Discrepancy	Total Times Compared	% Variance
Appraised Value	8	361	2.22%
Doc Type	123	361	34.07%
DSCR	1	361	0.28%
Maturity Date	1	361	0.28%
Note Date	1	361	0.28%
Original CLTV	2	361	0.55%
Original LTV	1	361	0.28%
Prepayment Penalty	3	361	0.83%
Prepayment Penalty Type	3	361	0.83%
QM Status	312	361	86.43%
Qualifying Credit Score	23	361	6.37%
Qualifying DTI	37	361	10.25%
Sales Price	2	361	0.55%
Self-Employment Flag	3	361	0.83%

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APPENDIX A

Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

Please be advised that Evolve did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Evolve are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Evolve is relying in reaching such findings.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan’s collateral that has been reviewed by Evolve.

Evolve reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

FOR APPLICATION DATES BEFORE JANUARY 10, 2014

(I) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

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Rescission (§1026.23):

failure to provide the right of rescission notice;

ii)

failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii)

errors in the right of rescission notice;

iv)

failure to provide the correct form of right of rescission notice;

	v)	failure to provide the three (3) business day rescission period; and
	vi)	any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:

review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii)

proper execution by all required parties;

iii)

principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv)

timing of initial and re-disclosed TIL(s);

Tolerances (§§1026.18, 22 and 23):

inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii)

inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;

High-cost Mortgage (§§1026.31, 32 and 33):

	i)	points and fees threshold test;
	ii)	APR threshold test;
	iii)	prepayment penalty test; and

iv)

compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;

Higher-priced Mortgage Loan (§1026.35):

APR threshold test; and

ii)

compliance with the escrow account and appraisal requirements;

(II) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

Good Faith Estimate (GFE) (§1024.7) as applicable for loans with application dates prior to October 3, 2015:

confirm the presence of the current GFE form in effect at the time of origination;

ii)

verify GFE was provided to the borrower(s) within three (3) business days of application;

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iii)

verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv)

determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

confirm the presence of a settlement service provider list, as applicable.

Final HUD-1/A Settlement Statement (HUD) (§1024.8) as applicable for loans with application dates prior to October 3, 2015:

confirm current applicable HUD form was provided;

ii)

determination that the loan file contains the final HUD;

	iii)	escrow deposit on the final HUD matches the initial escrow statement amount; and
	iv)	verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

GFE and Final HUD Comparison (§1024.7) as applicable for loans with application dates prior to October 3, 2015:

review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii)

confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and

iii)

review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):

confirm the presence of the Servicing Disclosure Statement form in the loan file;

	ii)	verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;
	iii)	confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

iv)

confirm the Special Information Booklet was provided within three (3) business days of application;

confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi)

confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

	vii)	confirm the Affiliated Business Arrangement Disclosure is executed; and
	viii)	confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to “high-cost” loans, “covered” loans, “higher-priced” loans, “home” loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

(V) Federal and state specific late charge and prepayment penalty provisions;

(VI) Document Review

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

■

Initial application (1003);

■

Final application (1003);

■

Note;

■

Appraisal;

■

Sales contract;

■

Title/Preliminary Title;

■

Initial TIL;

■

Final TIL;

■

Final HUD-1;

■

Initial and final GFE’s;

■

Right of Rescission Disclosure;

■

Mortgage/Deed of Trust;

■

Mortgage Insurance;

■

Tangible Net Benefit Disclosure;

■

FACTA disclosures; and

■

Certain other disclosures related to the enumerated tests set forth herein.

FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the FOR APPLICATION DATES BEFORE JANUARY 10, 2014 section above plus:

(VII) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:

With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

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review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii)

review relevant document to determine if there was dual compensation; and

iii)

review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

(1)

Note: Where available, Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation agreement and/or governing policies and procedures, Evolve’s review was limited to formal general statements of entity compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

Homeownership counseling (§1026.36):

	i)	determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature;
c)	Mandatory Arbitration Clauses (§1026.36):

determine if the terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction;

Prohibition on Financing Credit Insurance (§1026.36):

determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):

review for presence of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii)

verify the data against the NMLSR database, as available.

(VIII) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):

confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii)

confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:

The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan’s originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan’s status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator’s loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

Qualified Mortgage

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve 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, Evolve 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, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

General Ability to Repay

Evolve 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, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve 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”). Evolve 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. Evolve’s review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

timing and content of the right to receive copy of appraisal disclosure;

ii)

charging of a fee for a copy of the appraisal or other written valuation;

13 | Page

iii)

timing of creditor providing a copy of each appraisal or other written valuation;

iv)

with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

(XI) FIRREA Review

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 sections above plus:

With regard to TILA-RESPA Integrated Disclosure (“TRID”) testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the “SFIG Compliance Review Scope”) and (ii) outside counsel’s interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau (“CFPB”) which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve’s suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

14 | Page

information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):

Loan Estimate (LE) (§§1026.19 and 37):

confirm the presence of LE for applications on or after October 3, 2015;

ii)

confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii)

confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv)

confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi)

confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii)

confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

15 | Page

viii)

confirm borrower received LE not later than four (4) business days prior to consummation; and

ix)

confirm LE was not provided to the borrower on or after the date of the CD.

Closing Disclosure (CD) (§§1026.19 and 38):

confirm the presence of CD for applications on or after October 3, 2015;

ii)

confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii)

confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv)

confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

	v)	identify tolerance violations based on the charges disclosed on the initial and interim LE’s, initial CD, and reflected on the final CD;
	vi)	with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and
	vii)	with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group (“SFIG”) has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

Your Home Loan Toolkit (§1026.19):

confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii)

confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

16 | Page

(XIII) Document Review

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

■

Loan Estimates;

■

Closing Disclosures; and

■

Certain other disclosures related to the enumerated tests set forth herein.

17 | Page

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.17

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

Redacted Loan ID

Customer Loan ID

Seller Loan ID

Original Loan Amount

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

DBRS

Fitch

Kroll

Moody's

S&P

60462

XXXXXXX

XXXXXX

N/A

60461

XXXXXXX

XXXXXX

N/A

60460

XXXXXXX

XXXXXX

N/A

60459

XXXXXXX

61347

XXXXXX

61348

XXXXXX

N/A

61349

XXXXXX

N/A

61350

XXXXXX

XXXXXXX

N/A

61351

XXXXXX

XXXXXXX

61352

XXXXXX

N/A

62094

XXXXXX

61353

XXXXXX

62095

XXXXXX

XXXXXXX

62096

XXXXXX

63360

XXXXXX

61354

XXXXXX

62097

XXXXXX

N/A

62098

XXXXXX

N/A

61355

XXXXXX

N/A

61356

XXXXXX

62099

XXXXXX

N/A

61357

XXXXXX

XXXXXXX

62100

XXXXXX

N/A

62101

XXXXXX

N/A

62755

XXXXXX

62102

XXXXXX

63361

XXXXXX

N/A

61358

XXXXXX

64009

XXXXXX

N/A

62103

XXXXXX

61359

XXXXXX

XXXXXXX

N/A

62756

XXXXXX

62104

XXXXXX

N/A

62105

XXXXXX

XXXXXXX

N/A

62757

XXXXXX

XXXXXXX

N/A

62106

XXXXXX

62108

XXXXXX

61360

XXXXXX

XXXXXXX

N/A

62758

XXXXXX

N/A

62759

XXXXXX

62760

XXXXXX

N/A

63362

XXXXXX

XXXXXXX

64010

XXXXXX

62761

XXXXXX

N/A

62762

XXXXXX

64011

XXXXXX

XXXXXXX

N/A

62763

XXXXXX

62109

XXXXXX

XXXXXXX

62764

XXXXXX

N/A

62765

XXXXXX

N/A

63363

XXXXXX

N/A

62766

XXXXXX

62767

XXXXXX

XXXXXXX

N/A

62768

XXXXXX

XXXXXXX

N/A

63365

XXXXXX

N/A

62769

XXXXXX

63367

XXXXXX

N/A

63368

XXXXXX

N/A

63369

XXXXXX

63370

XXXXXX

N/A

63371

XXXXXX

64012

XXXXXX

N/A

64013

XXXXXX

XXXXXXX

64014

XXXXXX

N/A

64016

XXXXXX

N/A

64017

XXXXXX

N/A

64019

XXXXXX

N/A

64020

XXXXXX

N/A

64021

XXXXXX

N/A

63372

XXXXXX

N/A

64022

XXXXXX

XXXXXXX

64023

XXXXXX

N/A

63373

XXXXXX

64024

XXXXXX

XXXXXXX

64025

XXXXXX

XXXXXXX

N/A

64026

XXXXXX

N/A

64027

XXXXXX

XXXXXXX

64028

XXXXXX

N/A

64029

XXXXXX

XXXXXXX

64031

XXXXXX

XXXXXXX

64032

XXXXXX

N/A

49074

XXXXX

XXXXXXX

49538

XXXXX

XXXXXX

N/A

56087

XXXXX

XXXXXX

N/A

57371

XXXXX

XXXXXX

56076

XXXXX

XXXXXXX

60281

XXXXX

XXXXXXX

57785

XXXXX

XXXXXXX

48557

XXXXX

XXXXXXX

49060

XXXXX

XXXXXX

50719

XXXXX

XXXXXX

49058

XXXXX

XXXXXX

49533

XXXXX

XXXXXX

49063

XXXXX

XXXXXX

49059

XXXXX

XXXXXXX

49056

XXXXX

XXXXXXX

49540

XXXXX

XXXXXXX

62110

XXXXX

XXXXXXX

N/A

49528

XXXXX

XXXXXXX

N/A

49064

XXXXX

XXXXXXX

N/A

49541

XXXXX

XXXXXX

N/A

49065

XXXXX

XXXXXXX

55405

XXXXX

XXXXXXX

49062

XXXXX

XXXXXX

49080

XXXXX

XXXXXXX

49635

XXXXX

XXXXXX

N/A

49075

XXXXX

XXXXXXX

49081

XXXXX

XXXXXX

49524

XXXXX

XXXXXX

49525

XXXXX

XXXXXX

49076

XXXXX

XXXXXX

49529

XXXXX

XXXXXXX

49534

XXXXX

XXXXXXX

49078

XXXXX

XXXXXXX

49530

XXXXX

XXXXXX

N/A

49537

XXXXX

XXXXXX

49531

XXXXX

XXXXXXX

N/A

50720

XXXXX

XXXXXX

49633

XXXXX

XXXXXXX

49073

XXXXX

XXXXXXX

N/A

49634

XXXXX

XXXXXXX

N/A

49636

XXXXX

XXXXXX

N/A

49535

XXXXX

XXXXXX

49536

XXXXX

XXXXXXX

49532

XXXXX

XXXXXXX

49632

XXXXX

XXXXXX

N/A

49527

XXXXX

XXXXXXX

50722

XXXXX

XXXXXX

49539

XXXXX

XXXXXXX

54190

XXXXX

XXXXXX

50723

XXXXX

XXXXXXX

50724

XXXXX

XXXXXX

54191

XXXXX

XXXXXXX

50726

XXXXX

XXXXXX

N/A

50727

XXXXX

XXXXXX

N/A

53387

XXXXX

XXXXXXX

N/A

52364

XXXXX

XXXXXXX

52365

XXXXX

XXXXXXX

62111

XXXXX

XXXXXX

N/A

62112

XXXXX

XXXXXX

52366

XXXXX

XXXXXX

50729

XXXXX

XXXXXX

N/A

50730

XXXXX

XXXXXXX

N/A

50731

XXXXX

XXXXXX

50732

XXXXX

XXXXXXX

N/A

56088

XXXXX

XXXXXX

N/A

55406

XXXXX

XXXXXX

55407

XXXXX

XXXXXX

52367

XXXXX

XXXXXX

52368

XXXXX

XXXXXX

N/A

53388

XXXXX

XXXXXXX

52369

XXXXX

XXXXXX

N/A

52370

XXXXX

XXXXXXX

54193

XXXXX

XXXXXXX

57786

XXXXX

XXXXXXX

56089

XXXXX

XXXXXXX

N/A

52371

XXXXX

XXXXXX

N/A

52372

XXXXX

XXXXXX

N/A

54194

XXXXX

XXXXXXX

N/A

55408

XXXXX

XXXXXXX

N/A

58131

XXXXX

XXXXXX

52374

XXXXX

XXXXXX

55409

XXXXX

XXXXXX

N/A

52375

XXXXX

XXXXXX

57356

XXXXX

XXXXXXX

55410

XXXXX

XXXXXX

55411

XXXXX

XXXXXX

N/A

56090

XXXXX

XXXXXXX

N/A

56091

XXXXX

XXXXXX

N/A

56092

XXXXX

XXXXXX

N/A

56093

XXXXX

XXXXXX

N/A

52376

XXXXX

XXXXXX

N/A

53390

XXXXX

XXXXXX

N/A

53391

XXXXX

XXXXXX

N/A

53392

XXXXX

XXXXXX

N/A

55412

XXXXX

XXXXXX

53393

XXXXX

XXXXXX

54197

XXXXX

XXXXXX

56094

XXXXX

XXXXXX

56095

XXXXX

XXXXXX

N/A

56096

XXXXX

XXXXXX

N/A

55413

XXXXX

XXXXXXX

55414

XXXXX

XXXXXX

55415

XXXXX

XXXXXX

57357

XXXXX

XXXXXX

N/A

55416

XXXXX

XXXXXX

N/A

56097

XXXXX

XXXXXX

N/A

56098

XXXXX

XXXXXX

N/A

55417

XXXXX

XXXXXXX

57358

XXXXX

XXXXXX

57359

XXXXX

XXXXXXX

55418

XXXXX

XXXXXXX

57361

XXXXX

XXXXXX

N/A

56099

XXXXX

XXXXXX

N/A

56100

XXXXX

XXXXXX

55419

XXXXX

XXXXXX

N/A

57362

XXXXX

XXXXXX

55420

XXXXX

XXXXXX

N/A

56077

XXXXX

XXXXXX

56101

XXXXX

XXXXXX

N/A

56102

XXXXX

XXXXXX

N/A

55421

XXXXX

XXXXXX

57363

XXXXX

XXXXXXX

N/A

56103

XXXXX

XXXXXX

N/A

56104

XXXXX

XXXXXX

N/A

56078

XXXXX

XXXXXX

N/A

56105

XXXXX

XXXXXX

N/A

54198

XXXXX

XXXXXXX

56079

XXXXX

XXXXXX

57364

XXXXX

XXXXXX

N/A

55422

XXXXX

XXXXXX

56106

XXXXX

XXXXXX

N/A

55423

XXXXX

XXXXXX

56107

XXXXX

XXXXXX

N/A

57787

XXXXX

XXXXXXX

56109

XXXXX

XXXXXX

N/A

56080

XXXXX

XXXXXX

56111

XXXXX

XXXXXX

N/A

57365

XXXXX

XXXXXXX

57366

XXXXX

XXXXXX

N/A

61361

XXXXX

XXXXXX

57367

XXXXX

XXXXXX

N/A

57368

XXXXX

XXXXXX

N/A

56081

XXXXX

XXXXXXX

57369

XXXXX

XXXXXX

N/A

58132

XXXXX

XXXXXXX

56082

XXXXX

XXXXXXX

57788

XXXXX

XXXXXX

58133

XXXXX

XXXXXX

57370

XXXXX

XXXXXX

N/A

56112

XXXXX

XXXXXXX

N/A

56113

XXXXX

XXXXXX

56084

XXXXX

XXXXXX

56114

XXXXX

XXXXXX

57789

XXXXX

XXXXXX

56115

XXXXX

XXXXXX

N/A

57372

XXXXX

XXXXXX

N/A

57373

XXXXX

XXXXXX

N/A

56116

XXXXX

XXXXXX

N/A

56117

XXXXX

XXXXXX

57790

XXXXX

XXXXXX

57374

XXXXX

XXXXXX

57791

XXXXX

XXXXXX

N/A

57375

XXXXX

XXXXXX

57376

XXXXX

XXXXXX

57377

XXXXX

XXXXXX

57378

XXXXX

XXXXXX

57379

XXXXX

XXXXXX

56118

XXXXX

XXXXXX

N/A

58134

XXXXX

XXXXXXX

N/A

57381

XXXXX

XXXXXX

57382

XXXXX

XXXXXX

57383

XXXXX

XXXXXX

57384

XXXXX

XXXXXXX

N/A

58135

XXXXX

XXXXXX

N/A

57792

XXXXX

XXXXXXX

56085

XXXXX

XXXXXX

57793

XXXXX

XXXXXXX

57385

XXXXX

XXXXXXX

57386

XXXXX

XXXXXX

N/A

57387

XXXXX

XXXXXXX

57388

XXXXX

XXXXXX

N/A

57794

XXXXX

XXXXXX

57795

XXXXX

XXXXXX

57796

XXXXX

XXXXXXX

57797

XXXXX

XXXXXX

57389

XXXXX

XXXXXXX

56086

XXXXX

XXXXXX

57799

XXXXX

XXXXXX

N/A

57800

XXXXX

XXXXXX

58137

XXXXX

XXXXXX

57801

XXXXX

XXXXXX

N/A

60282

XXXXX

XXXXXX

57390

XXXXX

XXXXXX

58138

XXXXX

XXXXXX

58139

XXXXX

XXXXXXX

N/A

57802

XXXXX

XXXXXXX

57391

XXXXX

XXXXXX

58140

XXXXX

XXXXXX

60283

XXXXX

XXXXXXX

57392

XXXXX

XXXXXX

58141

XXXXX

XXXXXX

58142

XXXXX

XXXXXX

58143

XXXXX

XXXXXX

57393

XXXXX

XXXXXX

N/A

58144

XXXXX

XXXXXX

N/A

58145

XXXXX

XXXXXX

N/A

58146

XXXXX

XXXXXXX

N/A

60284

XXXXX

XXXXXX

61362

XXXXX

XXXXXX

57394

XXXXX

XXXXXX

57803

XXXXX

XXXXXX

58147

XXXXX

XXXXXXX

57804

XXXXX

XXXXXX

58148

XXXXX

XXXXXX

58149

XXXXX

XXXXXX

N/A

58150

XXXXX

XXXXXX

N/A

57805

XXXXX

XXXXXX

58152

XXXXX

XXXXXXX

61363

XXXXX

XXXXXX

N/A

62113

XXXXX

XXXXXX

N/A

57806

XXXXX

XXXXXX

58153

XXXXX

XXXXXX

57807

XXXXX

XXXXXXX

57808

XXXXX

XXXXXX

58157

XXXXX

XXXXXX

58158

XXXXX

XXXXXX

58159

XXXXX

XXXXXX

57809

XXXXX

XXXXXX

61364

XXXXX

XXXXXXX

57810

XXXXX

XXXXXX

N/A

62770

XXXXX

XXXXXXX

58160

XXXXX

XXXXXXX

58161

XXXXX

XXXXXX

N/A

60287

XXXXX

XXXXXX

62771

XXXXX

XXXXXX

N/A

58162

XXXXX

XXXXXX

N/A

58163

XXXXX

XXXXXXX

57811

XXXXX

XXXXXXX

N/A

62114

XXXXX

XXXXXX

N/A

62115

XXXXX

XXXXXX

N/A

62116

XXXXX

XXXXXX

N/A

57812

XXXXX

XXXXXXX

62117

XXXXX

XXXXXX

N/A

57395

XXXXX

XXXXXX

N/A

62118

XXXXX

XXXXXX

N/A

62119

XXXXX

XXXXXX

N/A

57396

XXXXX

XXXXXX

N/A

57397

XXXXX

XXXXXX

N/A

61365

XXXXX

XXXXXX

N/A

58164

XXXXX

XXXXXX

58165

XXXXX

XXXXXX

58166

XXXXX

XXXXXX

57813

XXXXX

XXXXXXX

58167

XXXXX

XXXXXX

N/A

57814

XXXXX

XXXXXXX

61366

XXXXX

XXXXXX

N/A

57815

XXXXX

XXXXXX

60289

XXXXX

XXXXXXX

61367

XXXXX

XXXXXX

58168

XXXXX

XXXXXXX

60290

XXXXX

XXXXXXX

58169

XXXXX

XXXXXXX

60291

XXXXX

XXXXXXX

62772

XXXXX

XXXXXXX

N/A

61368

XXXXX

XXXXXX

N/A

61369

XXXXX

XXXXXX

N/A

58170

XXXXX

XXXXXX

58172

XXXXX

XXXXXX

61370

XXXXX

XXXXXX

60292

XXXXX

XXXXXX

58173

XXXXX

XXXXXX

60293

XXXXX

XXXXXX

61371

XXXXX

XXXXXX

61372

XXXXX

XXXXXX

N/A

61373

XXXXX

XXXXXX

N/A

61374

XXXXX

XXXXXX

N/A

61375

XXXXX

XXXXXX

61376

XXXXX

XXXXXX

N/A

58174

XXXXX

XXXXXXX

61377

XXXXX

XXXXXX

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.18

Redacted Loan ID

Customer Loan ID

Seller Loan ID

Loan Exception ID

Exception ID

Exception Date

Exception Type

Exception Category

Exception Subcategory

Exception

Exception Detail

Exception Information

Exception Remediation

Compensating Factors

Follow-up Comments

Cleared Date

Cured Date

Waived Date

Exception Level Grade

Exception Level Rating

Note Date

Property State

Occupancy

Purpose

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Final Loan Grade

Compliance Initial Loan Grade

Compliance Final Loan Grade

Property Initial Loan Grade

Property Final Loan Grade

Originator QM ATR Status

TPR QM ATR Status

Is Curable

48557

XXXXX

5431675

XXXXX

Credit

Application

Application - is missing

The XXXXXXX XXXX XXXXXX for the borrower was not found in the file.

Documentation provided.

03/29/2021

XXXXX

Non-QM

49060

XXXXX

5517503

475

XXXXX

Compliance

Application

Application - Compliance \ Application - Initial application signed and dated by all borrower's, loan officer and interviewer.

The XXXXXXX XXXX XXXXXX was not signed by the loan originator.

Not required for review.

Reviewer 04/21/2021 02:15 PM; Final application provided, initial application in file is dated by the XX but not signed. Please provided initial application signed and dated by the XX.

04/29/2021

XXXXX

Non-QM

49060

XXXXX

5523942

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

04/22/2021

XXXXX

Non-QM

49060

XXXXX

5539451

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Exception requested for XXX of XX.XX% exceeds man of XX%

Great XXXXXX scores. There were mortgage lates in XXXX which borrower has explained and resolved. No recent mortgages lates. LTV of XX.XX% is below max of XX% XXXXX of XX months is well above the minimum required of X months. The exception requested is only for .XX% XXXXX.

04/19/2021

XXXXX

Non-QM

49063

XXXXX

5518591

901

XXXXX

Compliance

Compliance - TRID Other

This loan failed the XXXX right of rescission test. Closed-end (XX XXX §XXXX.XX(a)(X), transferred from XX XXX §XXX.XX(a)(X)), XXXX-end (XX XXX §XXXX.XX(a)(X), transferred from XX XXX §XXX.XX(a)(X)) XXX funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Please provide a post XX reflecting the updated closing date of X/XX/XXXX and the updated disbursement date.

04/23/2021

XXXXX

Non-QM

49063

XXXXX

5518592

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

04/23/2021

XXXXX

Non-QM

49059

XXXXX

5527706

875

XXXXX

Compliance

Disclosure

Disclosure - Other:

Need evidence of delivery of XXXX XXXX XXXXXXX within X days of initial XXXXXX

Information provided

05/12/2021

XXXXX

Non-QM

49064

XXXXX

5542453

262

XXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Report Missing

Loan amount exceeds X,XXX,XXX a second appraisal is required

exception to use XXX provided

Reviewer 05/14/2021 02:59 PM; X appraisals are required due to loan amount. CDA will not meet this requirement due to loan size

06/02/2021

XXXXX

N/A

Exempt

49074

XXXXX

5653683

433

XXXXX

Credit

UW Assets

UW Assets - UW - Short funds to close

Provide documentation of assets used to close and for reserves borrower documented $XXXXXX XXXX from borrower was XXXXXX.XX

Information provided

06/02/2021

XXXXX

Non-QM

49074

XXXXX

5688612

857

XXXXX

Compliance

Disclosure

Disclosure - Notice of Transfer of Servicing/Goodbye letter missing or incorrect

File is missing servicing disclosure. Please provide.

Documentation provided.

07/20/2021

XXXXX

Non-QM

49080

XXXXX

5651834

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Provide documentation of XXXXX for rental property.

Information provided

05/21/2021

XXXXX

Non-QM

49075

XXXXX

5622865

473

XXXXX

Credit

4506

4506 - Compliance \ 4506 - Must be signed and dated by borrower(s) at closing

IRSXXXXC was not signed and dated.

XXXXX

Non-QM

49075

XXXXX

5648525

875

XXXXX

Compliance

Disclosure

Disclosure - Other:

Intent to XXXXXXX is not signed.

Information provided

05/21/2021

XXXXX

Non-QM

49075

XXXXX

5651627

320

XXXXX

Credit

UW Assets

UW Assets - UW - Asset Other

Provide document used to document borrower is XXX% owner of business to be able to use business assets

Information provided

05/21/2021

XXXXX

Non-QM

49076

XXXXX

5651717

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

05/14/2021

XXXXX

Non-QM

49073

XXXXX

5645246

771

XXXXX

Credit

UW Credit

UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days

Information provided

05/24/2021

XXXXX

N/A

Exempt

49529

XXXXX

5947943

875

XXXXX

Compliance

Disclosure

Disclosure - Other:

The XXXXX XXX XXXXX XXXXXXX XXXXX was not signed by the loan originator.

07/29/2021

XXXXX

Non-QM

49529

XXXXX

5949436

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

08/16/2021

XXXXX

Non-QM

49529

XXXXX

5949437

968

XXXXX

Compliance

Compliance - CD- Fee Charged in Incorrect Section

Please provide a XXXX moving all title fees in section B, back to section C. The payee is not on the service provider list.

Information provided

08/16/2021

XXXXX

Non-QM

49529

XXXXX

6032832

1062

XXXXX

Compliance

Compliance - CD-Clerical error correction made more than 60 days post consummation

Per XXX scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than XX days post consummation but within XX days of discovery by XXX firm, then XX final grade = XXX

Reviewer 08/16/2021 02:30 PM; Per XXX scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than XX days post consummation but within XX days of discovery by XXX firm, then XX final grade = XXX

08/16/2021

XXXXX

Non-QM

49533

XXXXX

5661191

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

05/21/2021

XXXXX

Non-QM

49533

XXXXX

5661192

897

XXXXX

Compliance

Compliance - TRID CD- Other

A XXXX needs to be issued to reflect correct disbursement date. Per XXXXXX of XXXXX to XXXXXX, borrower had until X/XX/XXXX to rescind. Loan should not disburse until X/XX/XXXX

05/21/2021

XXXXX

Non-QM

49533

XXXXX

5668806

771

XXXXX

Credit

UW Credit

UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days

documentation provided

05/28/2021

XXXXX

Non-QM

49540

XXXXX

5667050

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

06/22/2021

XXXXX

Non-QM

49540

XXXXX

5667052

XXXXX

Compliance

Right to Cancel

Right to Cancel - expiration is not three days from execution.

Not enough days from execution

Reviewer 06/22/2021 01:32 PM; RTC is correct and received XXXX showing correct funding date of X/XX

06/22/2021

XXXXX

Non-QM

49528

XXXXX

6783089

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Compliance\ XXXXXXX\ final\ XXXXX\ XXXXXX\ or\ XXXXXXX\ XXXXX\.\ XXXXX\ is\ an\ estimated\ XXXXX\ XXXXXX\ in\ the\ file\ but\ no\ final\.

Information\ provided

04/27/2022

XXXXX

N/A

Exempt

49534

XXXXX

5695992

901

XXXXX

Compliance

Compliance - TRID Other

A lender cure of $XXXX was reflected on the X/XX XXXX however, proof of refund and XXX to the borrower was not provided.

per XX refund was issued @ funding

Reviewer 06/30/2021 01:26 PM; Please provide proof of $XXXX refund to the borrower(copy of check).

Reviewer 07/22/2021 12:25 PM; Documentation not provided.

08/13/2021

XXXXX

Non-QM

49534

XXXXX

5695993

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Documentation provided.

08/11/2021

XXXXX

Non-QM

49531

XXXXX

6783104

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Compliance\ XXXXXXX\ final\ XXXXX\ XXXXXX\ or\ XXXXXXX\ XXXXX\.\ XXXXX\ are\ estimated\ XXXXX\ XXXXX\ in\ the\ file\ but\ no\ final\.

Information\ provided

04/27/2022

XXXXX

N/A

Exempt

49536

XXXXX

5660697

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

07/01/2021

XXXXX

Non-QM

49536

XXXXX

5660698

967

XXXXX

Credit

Compliance

Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)

Final XX issued X/X/XXXX has an incorrect XXXXXXX XXXX in XXXXXXX F of X/X/XXXX. Disbursement date cannot be before consummation date of XX/XX/XXXX. Please provide a XXXX-XX with correct information.

Information provided

Reviewer 06/23/2021 01:44 PM; Final XX issued X/X/XXXX has an incorrect XXXXXXX XXXX in XXXXXXX F of X/X/XXXX. Disbursement date cannot be before consummation date of X/XX/XXXX. Please provide a XXXX-XX with correct information.

Reviewer 06/30/2021 06:16 AM; escalate

07/01/2021

XXXXX

Non-QM

49634

XXXXX

6783165

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Compliance\ XXXXXXX\ final\ XXXXX\ XXXXXX\ or\ XXXXXXX\ XXXXX\.

per\ client\ all\ they\ get\ is\ the\ doc\ uploaded\ that\ they\ balance\ with\ the\ title\ company\ for\ the\ final\ settlement\ doc

Reviewer 05/02/2022 02:32 PM; Still\ have\ not\ rec''''d\ final\ XXXXX\ XXXXXX\ and\ the\ XXXXXXX\ XXXXXX\ provided\ are\ not\ acceptable\ and\ contain\ blanks\.\ XXXXXX\ provide\ XXXXX\ XXXXX\ XXXXXX\.

05/03/2022

XXXXX

N/A

Exempt

49065

XXXXX

5806217

336

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Other

Exception needed for business XXXX statement loan where borrower is XX% owner, requirement is XX% owner. X% owner exception.

Exception granted, XXX XXXX of XX.XX% max of XX%, low XXX of XX.XX% max of XX%, residual income > $XX,XXX.XX/month (XX requirement). X months XXXXX XXXXX, XXXXXX XXXX XXX (XX points higher than minimum required). Borrower acquired home in XXXX (owned for XX years).

06/16/2021

XXXXX

Non-QM

49056

XXXXX

5796830

XXXXX

Credit

Application

Application - Completed, signed, final application for all applicant not in file

Final XXXXXX - XXX declarations section must be completed.

Document provided.

07/06/2021

XXXXX

Non-QM

49056

XXXXX

5796836

868

XXXXX

Credit

Hazard Insurance

Hazard Insurance - Other:

Insurance effective date of XX/XX/XXXX is after the loan disbursement date of XX/XX/XXXX.

Information provided

Reviewer 07/06/2021 01:52 PM; outstanding

07/15/2021

XXXXX

Non-QM

49056

XXXXX

5797532

771

XXXXX

Credit

UW Credit

UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days

Inquiry letter was not provided in file, provide inquiry letter addressing all inquiries within the last XX days.

Documentation has been provided.

07/15/2021

XXXXX

Non-QM

50719

XXXXX

5933351

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

XX% tolerance violation due to increase in title fees with no valid coc. Please provide proof of $XXX.XX refund along with letter of explanation to borrower and XXXX reflecting cure. All must be issued within XX days of consummation.

Information provided

09/02/2021

XXXXX

Non-QM

50719

XXXXX

5933352

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

09/02/2021

XXXXX

Non-QM

50723

XXXXX

5928983

270

XXXXX

Valuation

UW Collateral

UW Collateral - UW - Satisfactory 2nd Appraisal Report

Missing XXX valuation

docuemntation provided

07/22/2021

XXXXX

Non-QM

50727

XXXXX

5922953

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Exception requested for loan amount of $XXX,XXX min req is $XXX,XXX.

Justification: XXXXX credit score is XXX. Borrower has great credit history. With numerous mortgages, and no lates. DTI is X.XX%. Borrower has post closing equity of $XX,XXX. Value exceeds purchase XXXXX by $X,XXX discretionary income is $XX,XXX.XX. Borrower has assets of $X,XXX,XXX which is XXX months of reserves. This exceeds all reserve requirements. Decision: XXXXXXX.

07/13/2021

XXXXX

N/A

Exempt

49633

XXXXX

5968461

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

08/12/2021

XXXXX

Non-QM

49633

XXXXX

5968462

967

XXXXX

Credit

Compliance

Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)

CD XXXXX XX/XX/XXXX is showing incorrect XXXXXXX/XXXXXXX XXXX as XX/XX/XXXX, XXXXXXX/XXXXXXX date should be after the XXXXXX of XXXXX to XXXXXX midnight date (XX/XX/XXXX). Please provide correct XXXX for the same.

Information provided

08/12/2021

XXXXX

Non-QM

49078

XXXXX

5973372

272

XXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Color XXXX of XXXXXX missing (B&W only submitted)

received

08/06/2021

XXXXX

Non-QM

52364

XXXXX

6046056

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Document provided.

Reviewer 09/16/2021 01:37 PM; received full appraisal not XXX

10/07/2021

XXXXX

Non-QM

52365

XXXXX

6046216

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Documentation provided.

10/07/2021

XXXXX

Non-QM

52367

XXXXX

6046331

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

No XX XXXXX provided or available. (XXXXX condition only - XX action required by XXXXX). ***X/XX recceiced

09/16/2021

XXXXX

Non-QM

52369

XXXXX

6046656

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

No XX XXXXX provided or available. (XXXXX condition only - XX action required by XXXXX). ***X/XX received

09/16/2021

XXXXX

N/A

Exempt

52370

XXXXX

6042642

336

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Other

Missing XXXXXX XXXX XXXXXX XXXXX

Documentation provided.

09/16/2021

XXXXX

Non-QM

52370

XXXXX

6046800

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

No XX XXXXX provided or available. (XXXXX condition only - XX action required by XXXXX).

Reviewer 09/16/2021 01:46 PM; CDA provided for second review.

09/16/2021

XXXXX

Non-QM

52372

XXXXX

6048401

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception required for XXXX XXX P&L only, XXXXXXX XXXXX XXXXXX. Borrower is XX% owner of XXXXXX XXX. Company develops cannabis-based business & properties for rent or sale. The XXX prepared P&XX show multiple income streams but only need one, capital gains from the sale of high-end retail cannabis dispensaries.

Exception granted due to loan amount of $XXXX below max of X.XM. FICO XX points above min of XXX. DTI is XX.XX% below max of XX% (income figure based on realized XX income from XXXX & XXXX XXX P&XX amortized over full XX months (to included XXXX)). XX additional months reserves above the minimum XX months in borrower own funds (plus an additional XXX months in verified funds not being used towards reserves currently).

08/20/2021

XXXXX

N/A

Exempt

52375

XXXXX

6049051

336

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Other

no XXXX XXXXXX XXXXX in file

received documentation

09/16/2021

XXXXX

Non-QM

50724

XXXXX

6043502

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

12/30/2021

XXXXX

Non-QM

50724

XXXXX

6043503

967

XXXXX

Credit

Compliance

Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)

X/XX XX is e signed X/XX. Please provide lox for further review

Tracking shows it was sent on X/XX

Reviewer 09/07/2021 05:24 PM; A XX cannot be signed before the issue date. Please provide XXX and or tracking addressing the the issue/signature date of the XX/XX XX signed on XX/XX

12/30/2021

XXXXX

Non-QM

50724

XXXXX

6051690

1006

XXXXX

Credit

UW Approval

UW Approval - UW Approval - 1008 or 92900 LT missing

XXXX- XXXXXX XX-XX-XXX XXXXX XXXXXX not found, followed XXXXXX XXXX XXX

received

09/07/2021

XXXXX

Non-QM

53388

XXXXX

6116780

875

XXXXX

Compliance

Disclosure

Disclosure - Other:

Need itemized breakdown for the lender credit in XXXXXXX J.

Information provided

Reviewer 10/05/2021 12:16 PM; outstanding

12/30/2021

XXXXX

Non-QM

53391

XXXXX

6123607

758

XXXXX

Credit

UW Credit

UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio

Provide documentation of XXXXX for XXXX W XXXX XX, XXX XXXXXXX, XX

Property profile report supports subject in name of the trust. Condition has been cleared.

10/07/2021

XXXXX

N/A

Exempt

53391

XXXXX

6123627

272

XXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Exception for X unit with XXX granted by XXXXXX XXXX

09/13/2021

XXXXX

N/A

Exempt

53392

XXXXX

6121334

920

XXXXX

Credit

Compliance

Compliance - TRID-Missing Final CD

CD from closing is missing

Information provided

Reviewer 10/05/2021 11:03 AM; Provide final XX or final signed XXXXX XXXXXX

11/01/2021

XXXXX

N/A

Exempt

53392

XXXXX

6122771

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Provide documentation that XXXX XXXXX XX #X, XXX XXXXXX, XX is no longer owned by the borrower

Documentation has been provided.

10/05/2021

XXXXX

N/A

Exempt

53387

XXXXX

6121345

920

XXXXX

Credit

Compliance

Compliance - TRID-Missing Final CD

Need XX signed at closing

Reviewer 10/05/2021 11:19 AM; Provide final signed XX or final signed XXXXX XXXXXX.

10/05/2021

XXXXX

N/A

Exempt

54190

XXXXX

6155172

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Documentation has been provided. No XX XXXXX provided or available. (XXXXX condition only - XX action required by XXXXX).

10/05/2021

XXXXX

Non-QM

54190

XXXXX

6151420

336

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Other

CPA letter is not dated.

received

10/05/2021

XXXXX

Non-QM

54193

XXXXX

6138336

959

XXXXX

Credit

Closing Package

Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect

The XXXXX reflected a starting balance of $X,XXX.XX; however, XXXXX G of the XXXXXXX XXXXX dated XX/XX/XXXX reflected the initial escrow payment as $X,XXX.XX.

Information provided

10/05/2021

XXXXX

Non-QM

54193

XXXXX

6146909

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Documentation has been provided.

No XX XXXXX provided or available. (XXXXX condition only - XX action required by XXXXX).

10/05/2021

XXXXX

Non-QM

54197

XXXXX

6142410

454

XXXXX

Credit

UW Qualifications

UW Qualifications - UW - Seasoning Requirement Not Met

Loan does not meet guidelines. S/E business open less than X years. Missing exception approval.

Date: X/XX/XXXX - XXXXXX XXXXXX: X) X XXXX within XX months noted in personal XXXX account which is used to determine qualifying income X) XXXXX XXXXX XXXXX XXXXX not seasoned X years and business income is included to qualify borrower. Key XXXX XXXXXX: X.XX% XXXX prime XX XX XXXXX with XX months XXXX statements (business and personal XXXX statements) XXXX XXXXX XXXXXXX XXXXX XXXX. Appraised XX XX $XXXXXX. Loan XXXXXX $XXX,XXX. LTV/XXXX XX. DTI XX.XX XXXXX XXXXXX $XXXX.XX XXXX XXX. CASHOUTS $XXXX.XX XXXXX funds total $ XXXXX. Reserves required $XXXXX.XX XXXXX XXXXXX: XXXX property is a detached X storey XXX built in XXXX, with X bedrooms/X baths occupying XXXX sq ft XXX sitting on a lot of XXXX sq ft. It is located in a suburban community. With modern style and updated kitchen and bathrooms. Property XXXX: XXX XXXXXX XXXXXX in file. Income: XXXXX qualifying income is $XXXXX.XX which is coming from X) grossed up XXXXXX XXXXX X) income calculated from XX months personal XXXX statements and another XX from business XXXX statements. Justification: X) XXX XX.XX XX XX XXX. X) XXXXX XXXXXX of $XXXX.XX XX $XXXX required. X) XXXXX verified double the required amount XXXXX: XXXXXXX XX: XXXXXX XXXX ___________________________________ ____________ XXXXXX XXXX XX/XX/XXXX

10/05/2021

XXXXX

Non-QM

54197

XXXXX

6142411

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception approval missing. Borrower has personal XXXX account XXX's in past XX months.

10/05/2021

XXXXX

Non-QM

54197

XXXXX

6147028

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Documentation has been provided.

No XX XXXXX provided or available. (XXXXX condition only - XX action required by XXXXX).

10/05/2021

XXXXX

Non-QM

54198

XXXXX

6142722

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Missing a second appraisal. The loan amount exceerds $X,XXX.XXX and the XXX is greater than XX% with no XXXXX XXXX XXXXX in the file.

Docs provided.

Reviewer 10/05/2021 12:28 PM; Second appraisal provided dated prior to XXXXX plus not for our borrower.

12/30/2021

XXXXX

Non-QM

55405

XXXXX

6167594

771

XXXXX

Credit

UW Credit

UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days

Conditions XXXXXXX XXX for X inquires within XX days. XXXX XXX (X/X), XXXXX XXXXXXX XX (X/X), XXXXXXX (X/X), XXXXXX (X/X) and XXXXX XXXXX XXX (X/X)

Documentation has been provided.

11/08/2021

XXXXX

Non-QM

55418

XXXXX

6168195

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

GUIDELINE XXXXXX XXXXXX XX XXX XXXXX XXXX XXXXX XXX XXXXXX XXXXXX XXXX XXXXXX XXXXX XX XXXXXX XX XXXXX XXXXX XX XX.XX%.

*XXXXXX: XXXXX is X/X owner of XXXX XXXX a XXXXX dispensary store. Utilizing income method #X for product business at XX% expense ratio with XXXX XXXX statements. Borrower’s income is XXX,XXX.XX per mo *XXXXXXXXXXX: XXXX XXX- XX points above min of XXX; XXXXX closing borrower will have XXXX reserves (nit including reserves from cash out proceeds) XXXXX XXX reserves; XXXXX income is XXX,XXX.XX

09/30/2021

XXXXX

Non-QM

55408

XXXXX

6783214

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Compliance\ XXXXXXX\ final\ XXXXX\ XXXXXX\ or\ XXXXXXX\ XXXXX\.\ XXXXX\ is\ an\ estimated\ XXXXX\ XXXXXX\ in\ the\ file\ but\ no\ final\.

Information\ provided

04/27/2022

XXXXX

N/A

Exempt

55410

XXXXX

6167252

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

01/11/2022

XXXXX

Non-QM

55410

XXXXX

6167502

XXXXX

Valuation

Appraisal

Appraisal - Property address and legal description does not does not match docs

City on appraisal does not match all other docs

Information provided

Reviewer 11/04/2021 09:39 AM; outstanding

01/19/2022

XXXXX

Non-QM

55410

XXXXX

6169434

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

DECLINING XXXXXX >XX% XX% X month over X month. Income has stabilized & is already increasing.

(X) XXXX XX XXX XXXXX XXX XX XXX. (X) XXX XX.XX% XXXXX XXX XX XX%. (X) XXXX XXXXXX $X.XMM XXXXX XXX XX $X.XMM.

09/30/2021

XXXXX

Non-QM

55410

XXXXX

6169435

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

MINIMUM XXXXX XXXXXX < $XX XXXXX $XX, has $XXXX/mo.

(X) XXXX XX XXX XXXXX XXX XX XXX. (X) XXX XX.XX% XXXXX XXX XX XX%. (X) XXXX XXXXXX $X.XMM XXXXX XXX XX $X.XMM.

09/30/2021

XXXXX

Non-QM

55410

XXXXX

6604226

XXXXX

Valuation

Appraisal

Appraisal - Property address and legal description does not does not match docs

****XXXXXXX in XXXXX***XXXX on appraisal does not match all other docs.

Exception XXXXXXX for: XXXXXXX in XXXXXX, XXXXX XXXXXX less than $X,XXX and XXXXXX to have appraisal city as XXXXX matching XXXX due to XXX XXXXX

Reviewer 01/19/2022 11:07 AM; Document provided without correction. Condition remains.

Reviewer 01/25/2022 11:42 AM; Escalated for XXX review.

Reviewer 01/27/2022 10:11 AM; Exception XXXXXXX for: XXXXXXX in XXXXXX, XXXXX XXXXXX less than $X,XXX and XXXXXX to have appraisal city as XXXXX matching XXXX due to XXX XXXXX

01/27/2022

XXXXX

Non-QM

55412

XXXXX

6185129

331

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income - AUS Validation

File is missing X months XXXX statements in a XXXX statement income program. Provided compensating factors are the XXXX score is XXX pts above the XXX min, XXX XXX is XX% and the XXX is XX.XX% on a program that allows XXX up to XX%. Approved XXXX XXXXXX is in the file.

Exception request: XXXXXX decline of XX% with X missing months in a XX mo period. Key information: primary refinance, XXXXX rate - X.,XXX%, XXXX XX year fixed / XXXXX $X,XXX,XXX / XX $XXX,XXX XXXX XXX. Property description: XXXXXX not yet in file, X bd/XXX., XXXX sq ft. Condo built in XXXX on a XXXX sq ft lot. Mediterranean style home with vaulted ceilings, hardwood floors and a large den. Located in XXXXXXX XXXXX. Property link: https: //www.redfin.com/XX/XXXXXXX-XXXXX/XXXX-XXXXX-XXX-XXXXX/XXXX-A/homeXXXXXXX. Income: XXXXX is a licensed realtor. Qualifying under income methods #X (co-mingled business and personal acct) and #X using an expense ratio of XX%. Monthly income is verified at $XXXX.XX/mo. Borrower also owns many rental properties that provide a significant cash flow of $XXXX.XX/mo. Justification: XXXX is XXX - XXX points above nin of XXX; XXX is XX%; XXX XX.,XX% (almost XX pts below max of XX%) XXXXX: XXXXX XX: XXXXXX XXXX XX/XX/XXXX.

11/08/2021

XXXXX

Non-QM

55414

XXXXX

6168960

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Tax default due to non-payment of XXXX-XXXX property taxes.

Fico XXX points above min, XX months reserves, XX years established credit history, $X,XXX residual income.

09/30/2021

XXXXX

Non-QM

55414

XXXXX

6168961

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

NSF’s exceed X max within XX months (X total)

Fico XXX points above min, XX months reserves, XX years established credit history, $X,XXX residual income.

09/30/2021

XXXXX

Non-QM

55416

XXXXX

6168514

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Use of gift funds for $XXXXXX from mother for XXXXX of an XXXXX XXXXX.

Maximum XXX XX XX actual XX.XX. Residual XXXXXX reqd $XXXX XX. $XXXXX.XX. Borrower’s XXXX XXX XX min XXX.

09/30/2021

XXXXX

N/A

Exempt

55417

XXXXX

6166279

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

Loan exceeds zero tolerance by $XXX.XX due to added XXXXXX XXX(XXX XXXXXX)XXX with no valid coc. Please provide proof of $XXX.XX refund along with letter of explanation to borrower and XXXX reflecting cure. All must be issued within XX days of consummation.

Information provided

Reviewer 11/04/2021 09:16 AM; Tdoc XXX was already provided and does not give a valid reason for the addition of the XXX appraisal fee. Condition remains open.

Reviewer 01/26/2022 08:36 AM; escalated for review

01/26/2022

XXXXX

Non-QM

55417

XXXXX

6166280

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

01/26/2022

XXXXX

Non-QM

55423

XXXXX

6170286

1014

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income calculation worksheet self employed

Income worksheet not provided.

Documentation has been provided.

11/08/2021

XXXXX

Non-QM

56095

XXXXX

6206034

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception requested for the following X) XXXX program - XXX XXX of XX% for XXX time investor XXXXX exception to XX% XXX (XX% XXX exception) X) XXXX amount less than $XXX,XXX X) XXXXXXX XXXXX of X month XXXX (X months verified)

X) XXX credit score XX points above minimum X) X X XX X XXXXXXX mortgage housing history X) XXXXXX history during the most recent thirty-six (XX) month period (last rented X/XXXX)

10/11/2021

XXXXX

N/A

Exempt

56102

XXXXX

6205556

875

XXXXX

Credit

Disclosure

Disclosure - Other:

file missing borrower signed XXXXX XXXXXXX XXXXXX.

Information provided

11/04/2021

XXXXX

N/A

Exempt

56102

XXXXX

6783221

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Compliance\ -\ XXXXXXX\ final\ XXXXX\ XXXXXX\ or\ final,\ complete\ XXXXXXX\ XXXXX

per\ client\ all\ they\ get\ is\ the\ doc\ uploaded\ that\ they\ balance\ with\ the\ title\ company\ for\ the\ final\ settlement\ doc

05/03/2022

XXXXX

N/A

Exempt

56106

XXXXX

6207125

970

XXXXX

Credit

Compliance

Compliance - CD- Missing

Information provided

Reviewer 10/12/2021 04:24 PM; Provide XXXXX XX or XXXXX XXXXXX.

11/04/2021

XXXXX

N/A

Exempt

56106

XXXXX

6209631

272

XXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

A picture of the carbon monoxide (XXX) detector is missing in the appraisal.

Exception requested: XXX above max XXX of XX% and no photo of the XX detector. Key loan information: X.XXX% XX yr fixed rate/term. Value: $XX / XX $XXXX XXX XX.,XX% XXX XX.XX% / XXXX XXX. Property description: XXX, XXX XXX sqft condo. Incredible value for this beautiful top floor ocean front condo overlooking the magnificent XXXXXXX XXXXX with amazing XXXXX water and sunset views. Perfect for full time residence or investment beach rental. Complex features include an outdoor XXXXXXX, two saunas, patio with views, underground parking and more. A must-see and a great value for ocean front living. Enjoy amazing ocean and sunset views year round - beach living at its best. Nearby amenities. include XXXXXXX XXXX, shops and restaurants. Property link://www.realtor.com/realestateandhomes-detail/XXXX-XXXXX-XXXX-XXXX-XXXXXX-XXXXXXXX-XXXXX. Income XXXXXXX $XXXX.XX monthly XXX, $XXXXX.,XX monthly rental income. Justification: XXX XXX XX.,XX%, XXXX XXX points above in. XX months reserves, $XXXX.XX residual income. Decision: XXXXXXX XX XXXXXX XXXX XX/X/XXXX.

11/08/2021

XXXXX

N/A

Exempt

56106

XXXXX

6219883

335

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Calculation Incorrect

The social security income was not calculated correctly per the investor guidelines. Only the non-taxable portion is supposed to be grossed and the calculated income from tax returns is $X,XXX.XX compared to income used in qualifying of $X,XXX. DTI exceeds the maximum XXX allowed.

XX/X/XX - XXXXXX XXXXXX: XXX above max XXX of XX% and no photo of the XX detector. Key XXXX XXXXXX: X.XXX% XX yr XXXXX XXXX/term. Value: $XX / XX $XXXX XXX XX.XX% XXX XX.XX% / XXXX XXX XXXXX XXXXXX: XXX, XXX XXXXXXX condo. Incredible value for this beautiful top floor ocean front condo overlooking the magnificent XXXXXXX XXXXX with amazing XXXXX water and sunset views. Perfect for full time residence or investment beach rental. Complex features include an outdoor XXXXXXX, two saunas, patio with views, underground parking and more. A must-see and a great value for ocean front living. Enjoy amazing ocean and sunset views year round - beach living at its best. Nearby amenities include XXXXXXX XXXX, shops and restaurants. Property XXXX: https://www.realtor.com/realestateandhomes-detail/XXXX- XXXXX-XXXX-XXXX-XXXXXX-XXXXXXXX-XXXXX XXXXXX: XXXXXXX, $XXXX.XX monthly XXX, $XX,XXX.XX monthly rental income. Justification: XXX XXX XX.XX%, XXXX XXX points above min, XX months reserves, $X,XXX.XX residual income. Decision: XXXXXXX XX: XXXXXX XXXX, XXXX XXXXX

Reviewer 12/28/2021 09:38 AM; Documentation was not provided

01/11/2022

XXXXX

N/A

Exempt

56106

XXXXX

6219948

351

XXXXX

Credit

UW Qualifications

UW Qualifications - UW - DTI exceeds maximum limit

Provide loan exception approval for XXX XXXXXX max allowed of XX%. Loan XXXXX states exception was approved but does not specify what exception was for.

11/08/2021

XXXXX

N/A

Exempt

56106

XXXXX

6221586

861

XXXXX

Credit

Note

Note - Other:

Please confirm XXXXX XXXXXXX. The XXXX in the file refers to section X refers to a prepayment addendum to the XXXX but no XXXXX was included with the loan file. Please provide corrected XXXX and/or XXXXX XXXXX and confirm the prepayment terms. *XXXXX is also a XXXXX XXXXX to the XXXXX stating that there is a prepayment and adding verbiage added 'XXXXX XXXXXX'. (no terms were provided) and the XX's also indicate a prepayment penalty.

Rec''''d\ corrected\ XXXXX\ to\ the\ XXX,\ this\ is\ also\ the\ addendum\ the\ XXXX\ is\ referring\ to,\ all\ terms\ for\ ppp\ rec''''d\ and\ signed\ by\ borrower

Reviewer 12/27/2021 02:05 PM; Received note, missing XXX addendum, condition remains open.

Reviewer 04/04/2022 12:08 PM; outstanding\.\ XXXX\ with\ addendum\ was\ not\ provided\.

Reviewer 04/06/2022 07:37 AM; Rec''''d\ corrected\ XXXXX\ to\ the\ XXX,\ this\ is\ also\ the\ addendum\ the\ XXXX\ is\ referring\ to,\ all\ terms\ for\ ppp\ rec''''d\ and\ signed\ by\ borrower

04/06/2022

XXXXX

N/A

Exempt

56107

XXXXX

6198415

920

XXXXX

Credit

Compliance

Compliance - TRID-Missing Final CD

Final XXXXX statement provided

Reviewer 11/04/2021 09:06 AM; escalated for review

11/05/2021

XXXXX

N/A

Exempt

56111

XXXXX

6221400

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

No XX XXXXX provided or available.

Documentation has been provided.

11/08/2021

XXXXX

N/A

Exempt

56082

XXXXX

6209973

323

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Requirements for Program

Min XXXX for XXXX is XXX and borrower has a XXX.

Exception granted for XXXX of XXX due to compensating factors: X months reserves and X months required: X years established credit history and zero nsf's in the past and low XXX.

10/13/2021

XXXXX

Non-QM

56113

XXXXX

6209688

1014

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income calculation worksheet self employed

Provide income calculation worksheet from XX months XXXX statements to verify monthly s/e income of $XX,XXX and % of expense factor utilized.

Documentation has been provided.

11/08/2021

XXXXX

Non-QM

56116

XXXXX

6223195

433

XXXXX

Credit

UW Assets

UW Assets - UW - Short funds to close

Gift funds were used in qualifying but per investor guidelines, no gift funds are allowed on investment properties. Borrowers were short cash to close.

Use of gift funds to meet cash to close and reserve requirement for purchase of an investment property. X. credit score of XXX is XX points above required X. XX months established satisfactory mortgage payment history on XX residence. X. Residual income of $XXXX/month

10/18/2021

XXXXX

N/A

Exempt

56116

XXXXX

6223196

434

XXXXX

Credit

UW Assets

UW Assets - UW - Shorts Funds for Reserves

Insufficient funds are available for reserves.

Information in file.

10/18/2021

XXXXX

N/A

Exempt

56091

XXXXX

6587056

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

PUD XXXXX was missing the XXX XXX XXXX. Page X with the name was provided but we are missing all pages of the corrected XXX XXXXX signed by the XXXXXX (missing pages X&X) and missing XXXXXX of XXXXXX to XX-record the XXX w/ the corrections.

Received

02/25/2022

XXXXX

N/A

Exempt

56081

XXXXX

6207768

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

11/24/2021

XXXXX

Non-QM

56081

XXXXX

6207769

897

XXXXX

Compliance

Compliance - TRID CD- Other

Final XX issued XX/X/XXXX has signature date of XX/X/XXXX a XXXXXXX XXXX of XX/X/XXXX which is on or before the XXX business day following consummation date of XX/X/XXXX. Please provide a XXXX-XX with the correct information.

Information provided

11/24/2021

XXXXX

Non-QM

56084

XXXXX

6220045

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Pending receipt of XXX cert.

Information provided

11/24/2021

XXXXX

Non-QM

57359

XXXXX

6225572

901

XXXXX

Compliance

Compliance - TRID Other

Information provided

11/24/2021

XXXXX

Non-QM

57359

XXXXX

6225573

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

11/24/2021

XXXXX

Non-QM

57359

XXXXX

6229485

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

*XXXX XXXXXX XXXXXXX **XXXXXX XXXXXX XXXXXX for use of personal statements with XXXXXXX deposits with no transfer from personal accounts

**XXX XXXX XXXXXX: X.XXX% XXXXX XXX mon’s XXXX XXX. Value: X,XXX,XXX.XX XX X,XXX,XXX.XX XXX XX% XXX XX.XX%/XXXX XXX **XXXXXX: XXXX XX mo XX, XX,XXX.XX XXXXXXX XXXXXX **XXXXX: XXXX XX points above min, XX months reserves, XX,XXX residual income

10/19/2021

XXXXX

Non-QM

57363

XXXXX

6587059

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Provide final XXX-X or XXXXX XXXXXX

Information\ provided

04/06/2022

XXXXX

N/A

Exempt

57371

XXXXX

6228866

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception- XX property being purchased as O/O where water heater has no double strap. Compensating XXXXXXX-XXXX XXX vs min. XXX. LTV max XX vs actual XX. DTI max XX vs actual XX.XX

Compensating XXXXXXX-XXXX XXX vs min. XXX. LTV max XX vs actual XX. DTI max XX vs actual XX.XX

10/18/2021

XXXXX

Non-QM

57375

XXXXX

6225791

875

XXXXX

Compliance

Disclosure

Disclosure - Other:

Missing XXXXXXX of receipt of XXXXX XXXXXXX XXXXXX/XXXXX XXXX XXXXXXX (“XXXX home loan toolkit A step-by-step guide”)

Information provided

11/24/2021

XXXXX

Non-QM

57375

XXXXX

6237247

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Allow XXX of XX% for XXXXXX XXXXX

X)-XXX XX.XX vs. max XX. X)-XXXXX XXXX XXX vs XXXXX’s XXXX XXX. X)-XXXXX worth of reserves vs X months required and residual income of $XX,XXX vs. $XXXX required

10/20/2021

XXXXX

Non-QM

56078

XXXXX

6252738

380

XXXXX

Credit

UW Other

UW Other - UW - Lease Agreements

Provide lease agreement to support monthly rental income of $X,XXX for subject property.

Documentation has been provided.

11/23/2021

XXXXX

N/A

Exempt

56078

XXXXX

6252770

380

XXXXX

Credit

UW Other

UW Other - UW - Lease Agreements

Provide lease agreement to support monthly rental income of $X,XXX for subject property.

Documentation has been provided.

11/23/2021

XXXXX

N/A

Exempt

57356

XXXXX

6260710

1024

XXXXX

Credit

UW Assets

UW Assets - UW - Gift Receipt

Evidence of the receipt of the gift is missing. Per a XXXX XXXXXX in file, there was a gift of $XX,XXX from the fiance given on X/XX/XXXX. However, the file is missing evidence of receipt of this deposit.

Document provided

12/01/2021

XXXXX

Non-QM

57358

XXXXX

6357845

323

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Requirements for Program

Exception requested, minimum loan amount required for loan program is $XXX,XXX. Current loan amount is $XXX,XXX.

Exception granted due to compensating factors: ltv is XX% and max is XX%; post close reserves of XX months XXXXX is XX months above min of X months; XXXX is XXX, XX points above min of XXX

11/22/2021

XXXXX

Non-QM

57357

XXXXX

6281528

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception for loan amount at $XXX,XXX. Minimum loan amount per XXXXX guidelines is $XXX,XXX.

COMPENSATING XXXXXXX: (X) XXXX is XXX – XXX points above min of XXX. (X) XXX is XX.XX%. (X) XXXX XXXX of X.XXX.

11/01/2021

XXXXX

N/A

Exempt

57373

XXXXX

6284057

380

XXXXX

Credit

UW Other

UW Other - UW - Lease Agreements

Provide $XXXX monthly lease agreement for unit XXXX as reflected on appraisal comp rent analysis.

Meets program requirements and used lower than market rent for unit X

Reviewer 12/01/2021 08:54 AM; subject property is a X unit only X unit has been verified with signed lease. Need signed lease for XXX unit as per guidelines,

Reviewer 12/01/2021 09:34 AM; subject property is a X unit only X unit has been verified with signed lease. Need signed lease for XXX unit as per guidelines,

Reviewer 12/01/2021 09:43 AM; subject property is a X unit only X unit has been verified with signed lease. Need signed lease for XXX unit as per guidelines,

12/06/2021

XXXXX

N/A

Exempt

57378

XXXXX

6281886

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception required due to XXXXX property.

COMPENSATING XXXXXXX: X) XX% XXXX; XXX XX%. X) XX mo reserves afer close of escrow. X) XXX XX.XX%; XXX of XX%. X) XXXX $XX,XXX in residual income (XX x requirement).

11/01/2021

XXXXX

Non-QM

57382

XXXXX

6282057

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

X% tolerance violation for increase in XXXX XXXXX XXXXXX XXX. No valid XXX for increase in file. A refund in the amount of $XXXX.XX along with XXXX XX, XXX to borrower and copy of refund check required within XX days from consummation.

Information provided

Reviewer 11/24/2021 09:11 AM; Tdoc XXXX provided will not clear the deficiency. A refund for $XXXX.XX, XXX and XXXX reflecting full cure is required.

01/25/2022

XXXXX

Non-QM

57382

XXXXX

6282165

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

01/25/2022

XXXXX

Non-QM

57382

XXXXX

6282841

351

XXXXX

Credit

UW Qualifications

UW Qualifications - UW - DTI exceeds maximum limit

DTI over XX% requirement for XXXX statement loan

Exception was granted for XXX over XX% with compensating factors of good reserves, established cred and borrower owns business @XXX% since XXXX; more than X years self-employment.

11/01/2021

XXXXX

Non-QM

57384

XXXXX

6282899

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception requested for rural property. Compensating XXXXXXX- XXX equity position with XXX XX.XX% XX XX%, reserves verified XX months XX XX months, established credit oldest XXXX, XXXX on all reported mortgages.

11/01/2021

XXXXX

N/A

Exempt

57386

XXXXX

6285573

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

*XXXXXX XXXXXX XX consecutive XX recent months of rental history on investment property. Note XXXXXXX lease start date is X/X/XXXX & ends X/XX/XXXX prior to lease start date is X/X/XXXX & ends /XX/XXXX (XXXX rental gap)

Key loan XXXX: X.XXX% XXXX XXXXX, XXXXX. Value XXXX / XX XXX,XXX.XX XXX XX% XXX % XXXX XXX XXXXXX: XXXXX XXXX X.XXX% XX XXXXX XXXXX: XXXX XXX points above min, X.XXX% XXXX, XX months reserves.

11/02/2021

XXXXX

N/A

Exempt

57381

XXXXX

6286724

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

11/24/2021

XXXXX

Non-QM

57381

XXXXX

6286725

897

XXXXX

Compliance

Compliance - TRID CD- Other

PCCD needed with correct XXXXXXX date. Loan can not XXXX prior to midnight of XX/XX/XXXX.

Information provided

11/24/2021

XXXXX

Non-QM

57381

XXXXX

6298070

441

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Missing Business Tax Returns

Missing full XX months XXXXX XXXX statements XX months XXXXXXX xXXXX U XXXX XXXXXX XXXXXX R XXXXXX XXXXXX XXXX- XXXX -XXXX provided

Documentation provided

Reviewer 11/09/2021 04:08 PM; Lender approval worksheet for XXXX statement deposits shows XX month analysis, while type of XXXX statement loan program shows XX month. Monthly amount of worksheet does not match to the amount shown on XXXX. Clarification of calculated income is also required based on XX month or XX month program.

Reviewer 11/23/2021 04:40 PM; Documentation not provided.

12/01/2021

XXXXX

Non-QM

60462

XXXXX

6421850

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Rent loss insurance coverage not provided.

We have agreed to accept this loan with out XXXX XXXX XXXXXX due to the following compensating factors: XX% XXX with XX% down (approximately $XXXX) XXXXXXX good credit with XXX XXXX which includes X mortgages, the longest of which has paid XX for XX months. XXXX XXXXXXX and XXXX XXXXXX XXXXX XXXX, XXXX

12/17/2021

XXXXX

N/A

Exempt

60462

XXXXX

6300065

376

XXXXX

Credit

UW Other

UW Other - UW - SS verification

X forms of XX are required. File only contains drivers license.

document received. SSXX form used to verify info.

11/15/2021

XXXXX

N/A

Exempt

60461

XXXXX

6302027

376

XXXXX

Credit

UW Other

UW Other - UW - SS verification

X forms of XX are required and X must be XXXXXX XXXXX XXXX and/or XXX-XX XXXX XXXXXX. File only contains drivers license and XXXXXX XXXXX card.

Document provided

Reviewer 11/15/2021 03:01 PM; Document received was the XXX-XX form but it was not processed. Need the results.

11/15/2021

XXXXX

N/A

Exempt

57365

XXXXX

6308168

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Missing second collateral evaluation

Documentation has been provided.

Reviewer 11/23/2021 05:11 PM; Appraisal provided is an exact duplicate of the original provided. Need a second collateral evaluation.

01/11/2022

XXXXX

Non-QM

57367

XXXXX

6300593

897

XXXXX

Credit

Compliance

Compliance - TRID CD- Other

All XXXXXX XX missing from the XXXX.

Final XX received

11/08/2021

XXXXX

N/A

Exempt

57368

XXXXX

6300712

901

XXXXX

Credit

Compliance

Compliance - TRID Other

Lock XXXXX XXXXXXX the date rate was XXXXXX with borrower missing from file.

Information provided

11/24/2021

XXXXX

N/A

Exempt

57383

XXXXX

6298977

323

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Requirements for Program

Max XXX for loan program is XX%. Current XXX us XX.XX%

Exception granted for XXX of XX.XX% due to compensating factors: XXXX XX points above minimum and XX months reserves.

11/08/2021

XXXXX

Non-QM

57390

XXXXX

6320630

336

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Other

Final XXXX is incomplete. Xb. Current employer is identified as XXXXX XXXXX to XXXX as a XXXXX XXXXXXX XXXXXXX. All further information is blank except the XXXXX date is X/X/XXXX and says the length of employment is X month and X years. The previous employer address, is missing also. Equally the employment address of XXXXX X's XXXXX [XXX XXXXXX XXXXXX] is not provided. It shows a start date of X/X/XXXX but list the length of employment as X months and X years.

Document provided

Reviewer 11/23/2021 05:28 PM; Missing information for XX on XXXX employment (XXX XXXXXX XXXXXX). Address is missing as well as the length of employment.

11/30/2021

XXXXX

Non-QM

57391

XXXXX

6317030

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

02/23/2022

XXXXX

Non-QM

57391

XXXXX

6317031

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

XX% XXXXXX exceeded by $XXX.XX due to the increase in title fees, please provide proof of refund, XXX and XXXX reflecting the cure within XX days of consummation

Reviewer 12/07/2021 05:24 AM; LOX & XXXX provided dated XX/XX removing XXXXXXX, XXXXXX and notice of completion fees in section C will not clear deficiency as the loan is still failing XX% tolerance exceeded by $XXX.XX. Please provide XXXX reflecting cure, XXX to borrower and copy of refund check. All must be provided with in XX days of consummation.

Reviewer 01/26/2022 08:44 AM; escalated for review

Reviewer 01/26/2022 09:08 AM; Received XXX, however, "XXXXXXX fee''''s" is not a valid reason for the increase since borrower chose from the XXXX. Refund of $XXX.XX is required.

02/23/2022

XXXXX

Non-QM

57391

XXXXX

6668537

1061

XXXXX

Compliance

Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation

Acknowledged XXXXX or XXXX made after XX days of closing and within XX days of discovery by XXX. No additional requirements.

Reviewer 02/23/2022 09:23 AM; Acknowledged XXXXX or XXXX made after XX days of closing and within XX days of discovery by XXX. No additional requirements.

02/23/2022

XXXXX

Non-QM

57393

XXXXX

6301217

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception of XXXX XXXXX in the amount of $XXX,XXX are not allowed with this program.

Compensating XXXXXXX XXX borrower has post-closing equity of $XXX,XXX.XX XXXXX credit score is XXX. The minimum credit score required is XXX. This is XXX points higher than required. DSCR is X.XXX% XXXXXXX required is XX%. Our XXXX exceeds the minimum by .XXX%. Gross rental income from subject property used for income.

11/09/2021

XXXXX

N/A

Exempt

57397

XXXXX

6301034

272

XXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

GAXXXXXX XXXXXX XX incorrect on appraisal – XXXXXXX XX XXXXX - I. E XXXXXX is verified

Document provided

12/01/2021

XXXXX

N/A

Exempt

57397

XXXXX

6301070

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Loan amount is less than minimum of $XXX,XXX at $XXX,XXX.XX.

Compensation factors – XXXXX will have post-closing equity of $XX,XXX. The qualifying score is XXX; the XXXXXXX is XXX, XX-point cushion. The borrower will have XX months reserves exceeding the minimum of X months. DSCR is X.XX ( X.XXX quoted on exception)

11/08/2021

XXXXX

N/A

Exempt

57786

XXXXX

6339829

879

XXXXX

Compliance

Application

Application - Other:

Co-XXXXX XXXXX or XXXXX is incomplete for XXXXX XXXXXX. Required for data purposes.

Information provided

01/12/2022

XXXXX

Non-QM

57786

XXXXX

6340041

957

XXXXX

Credit

Closing Package

Closing Package - First Payment Letter Missing or Incorrect

Total payment on XXXXX XXXXXXX XXXXXX does not match the calculated payment on XXXXX XX. Please provide a corrected XXXXX XXXXXXX XXXXXX to XXXXX showing amount of $XX,XXX.XX. Current XXXXX XXXXXXX XXXXXX amount shows $XX,XXX.XX.

Information provided

01/11/2022

XXXXX

Non-QM

57786

XXXXX

6340042

959

XXXXX

Credit

Closing Package

Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect

The XXXXXX balance on XXXXX must match XXXXX XX. Final XX shows beginning balance of $X,XXX.XX.

Information provided

01/11/2022

XXXXX

Non-QM

57788

XXXXX

6353217

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Requesting exception for being short X month on reserves.

Borrower has post closing equity of $XXX,XXX. Qualifying credit score is XXX. Minimum credit score required is XXX; this is XXX points higher than required. LTV is XX%. Max is XX%. We are XX% below the maximum.

11/22/2021

XXXXX

Non-QM

57789

XXXXX

6359420

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception XXXXXXX XXXXXXX income is not by XXXXX, XXX or XXXXX

*XXX XXXX XXXXXX: X.XXX% XXX XXXXXX I/O with XX XXX, X yr XXXX XXX. I/O for XX XXXXX and then XXXXXX to a XXXX (XXXX XXX with XXXX I/O). Cash XXX XXXX. Valu: XXXX.XX/XX $XXXX XXX XX.XX% XXX XX.XX% / XX.XX XXXX XXX *XXXXX: XXXX over XX points above minimum, XX months reserves, XX years established credit history, XXXXX XXXXXX is $XXXX.XX.

11/23/2021

XXXXX

Non-QM

57791

XXXXX

6353697

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Minimum XXXX XXXXXX is $XXX XXX.XX

Exception granted for loan XXXXXX of $XXX XXX.XX by XXXXXX XXXX

11/22/2021

XXXXX

N/A

Exempt

57793

XXXXX

6355948

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

01/12/2022

XXXXX

Non-QM

57793

XXXXX

6355949

897

XXXXX

Compliance

Compliance - TRID CD- Other

Consummation date was XX/XX/XXXX and the XXXXXX should have had until XXXXX of XX/XX/XXXX to cancel. Provide XXXX with correct closing and/or funding date and also please provide evidence loan has funded. Please provide copy of wire, recording, title or any other documentation that would reflect that the loan has funded and the correct funding date. Disbursement date could not have been prior to XX/XX/XXXX.

Information provided

01/12/2022

XXXXX

Non-QM

57800

XXXXX

6361067

384

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Self-Employment status required

Letter from an accountant to determine the ownership in the company, length of business and stating number of employees.

Docs\ provided\.

Reviewer 01/12/2022 03:01 PM; Received business documents. However, file missing XXXXXX from an accountant to determine the ownership in the company, length of business and stating number of employees.

Reviewer 01/25/2022 03:24 PM; Please provide an executed exception approval for the workaround explained in the uploaded document.

Reviewer 01/31/2022 02:19 PM; Document not provided

Reviewer 02/25/2022 12:58 PM; If a letter from a XXX is not required please provide a snip from the guides showing not required.

Reviewer 03/02/2022 06:05 AM; To determine the ownership in the company, length of business and stating number of employees. Per guides "A letter from either tax professional,or XXXXX/certified tax preparer certifying self employment and the existanse of the business; or XXXXXXX from XXXXX agency or licensing bureau (XXXXX or XXXXXXXXXX.

03/23/2022

XXXXX

Non-QM

57800

XXXXX

6396673

1018

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Self-Employed verify business

Loan is missing licensed/certified tax preparer letter addressing borrower’s percentage of ownership & number of years business has been in existence.

Received licensed.

01/12/2022

XXXXX

Non-QM

57800

XXXXX

6345041

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

X% tolerance violation for addition of processing fee. No XXX in file for the addition. A refund in the amount of $XXX.XX along with XXXX XX, lox to borrower and copy of refund check required within XX days from consummation

Reviewer 01/12/2022 07:37 AM; Tdoc XX/X XXXX provided did not address the tolerance violation. Please provide a new XXXX reflecting full cure along with XXX and proof of refund to the borrower.

01/26/2022

XXXXX

Non-QM

57800

XXXXX

6345679

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

01/26/2022

XXXXX

Non-QM

57800

XXXXX

6353445

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Loan amount minimum is $XXX,XXX, our XX = $XXX,XXX.

XX months reserves, X years established credit history, XXX XX.XX/XX.XX%, XXX is XX% and XXX is at XX%.

11/22/2021

XXXXX

Non-QM

57801

XXXXX

6352196

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception re quired due to short X month payment history prior mortgage was in spouse name but has lived at the same property for X years.

Exception decision approved X) XX.XX XXX max XX% X) XX months reserves after close of escrow only to require XX X) XXXXXX XXXX XXX XXXXX over max XXX

11/21/2021

XXXXX

N/A

Exempt

57801

XXXXX

6354847

920

XXXXX

Credit

Compliance

Compliance - TRID-Missing Final CD

Missing XXXXX XX

rec''''d final settlement statement

Reviewer 01/12/2022 08:00 AM; Tdoc settlement statement provided will not clear the deficiency. Please provide the XXXXX XX signed and dated by the borrower at closing.

Reviewer 01/25/2022 03:38 PM; rec''''d final settlement statement

01/25/2022

XXXXX

N/A

Exempt

57801

XXXXX

6354849

840

XXXXX

Credit

Disclosure

Disclosure - HPML- need evidence of rate lock date with borrower

Need evidence of rate lock date with borrower

Information provided

01/12/2022

XXXXX

N/A

Exempt

57803

XXXXX

6360283

870

XXXXX

Compliance

Appraisal

Appraisal - Other:

California property, water heater is not strapped.

Docs provided.

01/25/2022

XXXXX

Non-QM

57803

XXXXX

6355194

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Co borrower doe not meet the tradeline requirement . Only X tradelines with less than XX months reviewed but over XX months reviewed. Max XXX is XX% when not meeting tradeline requirement.

Exception in file. Comps factors: XX years established credit, $XXXX residual income and XXXX XX points above the min.

11/22/2021

XXXXX

Non-QM

57805

XXXXX

6348308

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Borrower only X/XXX owner of qualifying business

Guidelines call for XX% ownership. Exception granted by XXXXXX XXXX

11/20/2021

XXXXX

Non-QM

57806

XXXXX

6358340

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception XXXXXXX loan amount $XXX,XXX ($XXX,XXX minimum per program guideline) + XXXXXXX property does not contain carbon monoxide detector nor double strapped XXX heater. Appraiser states that XX detectors and double strapped XXX heater is not required per state law.

Compensation factors for approval per client X) XXX XX% is XX % is lower than max of XX%. X)XXXXX XXXXXX of $XXXX/mo is $XXXX/mo greater than minimum required of $XXXX/mo X XXXXXX XXXXX of XXX is XX points higher than minimum of XXX

11/22/2021

XXXXX

Non-QM

57806

XXXXX

6344943

XXXXX

Compliance

Closing Package

Closing Package -

File is missing XXXXX XXXXXXX XXXXXX & XXXXXXX XXXXXX XXXXXXX XXXXX

Information provided

01/12/2022

XXXXX

Non-QM

57807

XXXXX

6639683

1006

XXXXX

Credit

UW Approval

UW Approval - UW Approval - 1008 or 92900 LT missing

UW XXXXX XXXXXX underwriting approval not in the file

Documentation has been provided.

02/11/2022

XXXXX

Non-QM

57810

XXXXX

6354852

970

XXXXX

Credit

Compliance

Compliance - CD- Missing

Borrower XXXXXX at closing XX is missing in file.

rec''''d final XX

Reviewer 01/25/2022 03:42 PM; rec''''d final XX

01/25/2022

XXXXX

N/A

Exempt

57785

XXXXX

6360273

323

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Requirements for Program

Exception requested for XXX. Max XXX per loan amount is XX%. Current XXX is XX%.

Exception granted for XXX due to compensating factors: XXXX XX points above minimum; $XXX,XXX residual income; XXXXXXX mtg history.

11/23/2021

XXXXX

Non-QM

58139

XXXXX

6422169

452

XXXXX

Credit

UW Other

UW Other - UW - HUD-1 to evidence source of funds

No XX in file

Received.

01/12/2022

XXXXX

N/A

Exempt

58139

XXXXX

6361500

862

XXXXX

Credit

Deed of Trust/Mortgage

Deed of Trust/Mortgage - Other:

Please confirm XXXXX XXXXXXX. The XXXX in the file does not list a XXXXX XXXXXXX, however, there is a XXXXX XXXXX attached to the XXXX of XXXXX. The fully executed XXXXX XXXXX does not reflect the XXXXX term nor structure (XXX document only states ‘ XXXXX’s XXXXX to XXXXXX; XXXXX XXXXXX’). Please provide corrected XXXX and/or XXXX of XXXXX with XXXXX XXXXX confirming the prepayment terms.

Information\ provided

Reviewer 04/04/2022 07:31 AM; escalated\ for\ review

04/04/2022

XXXXX

N/A

Exempt

58140

XXXXX

6367798

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

01/12/2022

XXXXX

Non-QM

58140

XXXXX

6367799

967

XXXXX

Credit

Compliance

Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)

Consummation date was XX/XX and the XXXXXX' should have had until XXXXX of XX/XX to cancel. CD in file indicates a funding date of XX/XX. Provide XXXX with correct prepaid interest based on correct funding date on page X section F. Please provide copy of wire, recording, title or any other documentation verifying the loan funded after rescission ended.

Information provided

Reviewer 01/12/2022 07:19 AM; Please provide final settlement statement from the closing to confirm which fees were charged to the borrower.

01/12/2022

XXXXX

Non-QM

58144

XXXXX

6587069

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Information\ provided

Reviewer 01/09/2022 03:35 PM; In addition to the above, also provide letter of intent to re-record the corrected deed with corrected XXXXX.

04/05/2022

XXXXX

N/A

Exempt

58145

XXXXX

6587071

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Prepayment penalty rider does not have terms, the section where the terms should be stated says on "XXXXX XXXXXX." XXXXXX verify if loan is meant to have prepayment terms and what the terms are. Please upload corrected proof of prepayment penalty for review along with a letter of intent to re-record.

Information\ provided

04/05/2022

XXXXX

N/A

Exempt

58146

XXXXX

6367008

434

XXXXX

Credit

UW Assets

UW Assets - UW - Shorts Funds for Reserves

Missing asset verification for X months reserves and $X,XXX funds needed to close

HUDX from the refinance of another has been provided showing cashout of $XXXX. Condition has been cleared.

01/20/2022

XXXXX

N/A

Exempt

58146

XXXXX

6614509

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Deed of XXXXX/XXXXX XXXXX XXXXXXX XXXXX terms incorrect. COMMENT XXXXXX confirm XXXXX XXXXXXX. There is a XXXXX XXXXX attached to the XXXX of XXXXX. The fully executed XXXXX XXXXX does not reflect the XXXXX term nor structure (XXX document only states ‘ XXXXX’s XXXXX to XXXXXX; XXXXX XXXXXX’). Please provide corrected XXXX and/or XXXX of XXXXX with XXXXX XXXXX confirming the prepayment terms.

Information\ provided

04/05/2022

XXXXX

N/A

Exempt

58165

XXXXX

6361703

868

XXXXX

Credit

Hazard Insurance

Hazard Insurance - Other:

Insurance effective date must be on or before loan disbursement date. Closing XXXXX in file shows disbursement date as XX/XX/XXXX. Hazard insurance does not go into effect until XX/XX/XXXX.

Acceptable documentation provided.

01/31/2022

XXXXX

Non-QM

58169

XXXXX

6361992

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

11/24/2021

XXXXX

Non-QM

58169

XXXXX

6367814

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

Reviewer 01/19/2022 09:45 AM; escalate

01/20/2022

XXXXX

Non-QM

58169

XXXXX

6367815

899

XXXXX

Compliance

Compliance - Finance Charge is Understated by more than $100

Finance charge is understated by $XXX.XX, please provide proof of refund and XXX to borrower

Information provided

01/20/2022

XXXXX

Non-QM

58133

XXXXX

6381169

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception XXXXXXX-XXXXXX XXX''s in one business accounts used to calculate qualifying income XX XXX within XX months for XXXXX #XXXXX . Key XXXX XXXXXX-XXXXX rate (X.XXX%) XXXX fixed/XXXX XXX XXX XX months business XXXX statements. Funds to close $XXXXX XX verified $XXXXXX.

11/26/2021

XXXXX

Non-QM

58141

XXXXX

6377877

901

XXXXX

Compliance

Compliance - TRID Other

This loan failed the XXXX right of rescission test based on the disbursement date listed on the XXXXX XX issued XX/XX. Consummation date was XX/XX per the XXX and the XXXXX(s) had until XXXXX of XX/XX to cancel. CD in file indicates a funding date of XX/XX. Provide XXXX with correct prepaid interest based on correct funding date on page X section F. Please provide copy of wire, recording, title or any other documentation verifying the loan funded after rescission ended. (XXXXX not have funded prior to XX/XX)

Information provided

01/19/2022

XXXXX

Non-QM

58141

XXXXX

6377878

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

01/19/2022

XXXXX

Non-QM

58147

XXXXX

6378673

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

01/19/2022

XXXXX

Non-QM

58147

XXXXX

6378674

973

XXXXX

Compliance

Compliance - CD- Other

Information provided

01/19/2022

XXXXX

Non-QM

58137

XXXXX

6493662

323

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Requirements for Program

Exception requested to utilizing X months alimony & child support history vs. required X months.

Exception approved due to compensating factors of: XXX X.XX% below max of XX%; XXX XX.XX% below max of XX%; XXXX XXX points above min of XXX; post close equity XXXXXX additional reserves; has future $XXX annual lump sum awards from husband not being used as asset or income until XXXX.

12/08/2021

XXXXX

Non-QM

58143

XXXXX

6490782

378

XXXXX

Credit

UW Other

UW Other - UW - Initial/Final 1003 incomplete/missing

Final signed XXXX XXXXXX from closing is missing from the loan file.

Documentation has been provided.

01/20/2022

XXXXX

Non-QM

58149

XXXXX

6475273

861

XXXXX

Credit

Note

Note - Other:

Prepayment XXXXXXX XXXXX is missing. Must be signed by all borrowers.

Prepayment XXXXX in file

12/08/2021

XXXXX

N/A

Exempt

60287

XXXXX

6482500

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

01/31/2022

XXXXX

Non-QM

60287

XXXXX

6482501

973

XXXXX

Compliance

Compliance - CD- Other

APR increased by more than .XXX on the XX/XX XX which requires an additional X day waiting period.

Information provided

Reviewer 01/19/2022 10:11 AM; Received final settlement statement with XXXXXXX date XX/XX/XXXX, this includes XXXXXX, please provide updated settlement statement and XXXX with correct disbursement date.

Reviewer 01/26/2022 10:54 AM; escalated for review

Reviewer 01/28/2022 10:02 AM; The XXX chanted by more than .XXX on the XX/XX XX. A X day waiting period is required before loan can close. The earliest the loan could have closed was XX/XX due to holidays and XXXXXX. Due to the loan closing too soon, a refund of $XXXXX.XX to the borrower is required. Please provide proof of refund and XXX to borrower.

01/31/2022

XXXXX

Non-QM

58162

XXXXX

6499073

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Minimum loan amount is $XXX XXX.XX.

Current loan amount of $XXX XXX.XX exception XXXXX

12/09/2021

XXXXX

N/A

Exempt

58166

XXXXX

6481895

899

XXXXX

Compliance

Compliance - Finance Charge is Understated by more than $100

Finance charge understated $XXX.XX. Please provide proof of refund along with letter of explanation to borrower.

Information provided

Reviewer 01/19/2022 10:16 AM; Tdoc XX/XX XXXX provided will not clear the deficiency. Finance charge is still understated by $XXX. Proof of refund and XXX to the borrower is required.

03/09/2022

XXXXX

Non-QM

58166

XXXXX

6481896

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

03/09/2022

XXXXX

Non-QM

58166

XXXXX

6716079

1061

XXXXX

Compliance

Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation

Acknowledged XXXXX or XXXX made after XX days of closing and within XX days of discovery by XXX. No additional requirements.

Reviewer 03/10/2022 09:27 AM; Acknowledged XXXXX or XXXX made after XX days of closing and within XX days of discovery by XXX. No additional requirements.

03/10/2022

XXXXX

Non-QM

60289

XXXXX

6492617

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

02/23/2022

XXXXX

Non-QM

60289

XXXXX

6492618

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

X% tolerance violation of $XXXX.XX for increase in appraisal fee. No valid XXX in the file. A refund in the amount of $XXX.XX was provided on the XX. However, an additional refund in the amount of $XXXX.XX along with XXXX XX, lox to borrower and copy of refund check required within XX days from consummation.

Information provided

02/23/2022

XXXXX

Non-QM

60289

XXXXX

6668528

1061

XXXXX

Compliance

Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation

Acknowledged XXXXX or XXXX made after XX days of closing and within XX days of discovery by XXX. No additional requirements.

Reviewer 02/23/2022 09:18 AM; Acknowledged XXXXX or XXXX made after XX days of closing and within XX days of discovery by XXX. No additional requirements.

02/23/2022

XXXXX

Non-QM

60282

XXXXX

6513556

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception XXXXXX XXXXXXX loan amount

Information provided

Reviewer 12/14/2021 09:34 AM; Income XXXX XX-month statements XXX XXXXX P

12/14/2021

XXXXX

Non-QM

60291

XXXXX

6515412

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception-XXXX >XXX%, XXX.XX% XXX loan information-X.XX% XXXXXXX XXXXX XX yr fix appraised value $XXXXXXX.XX, loan amount $XXXXXXX.XX. LTV XX XXX XX.XX XXXX XXX. Justification-XXX XXX XX vs XX.XX, established credit XXXX and XXXX on all consumer debts and residual income $XXXXX.XX.

Justification-XXX XXX XX vs XX.XX, established credit XXXX and XXXX on all consumer debts and residual income $XXXXX.XX.

12/14/2021

XXXXX

Non-QM

60293

XXXXX

6515122

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

01/19/2022

XXXXX

Non-QM

60293

XXXXX

6515123

840

XXXXX

Compliance

Disclosure

Disclosure - HPML- need evidence of rate lock date with borrower

Missing XXXX XXXX XXXXXX

Information provided

01/19/2022

XXXXX

Non-QM

61362

XXXXX

6530407

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

*XXXX has the incorrect loam amount. Reflecting XXX,XXX.XX when XXXX reflects XXX,XXX.XX

Documentation has been provided.

01/24/2022

XXXXX

Non-QM

61377

XXXXX

6515819

970

XXXXX

Compliance

Compliance - CD- Missing

Initial XXXXXXX disclosure is missing

Information provided

01/24/2022

XXXXX

Non-QM

61377

XXXXX

6516647

959

XXXXX

Credit

Closing Package

Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect

IEADS does not match Final CD in file

Information provided

01/24/2022

XXXXX

Non-QM

61366

XXXXX

6563702

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception required due to loan amount less than guideline at $XXX,XXX. Subj property loan amount $XXX,XXX.

Reviewer 12/29/2021 09:21 PM; Comp XXXXXXX: XXX XX% XX% less than max XXX XXXX XX pts over minimum. Experienced investor owning multiple properties. DSCR over X @ X.XXX.

12/29/2021

XXXXX

N/A

Exempt

61369

XXXXX

6562625

185

XXXXX

Credit

Flood Certificate

Flood Certificate - Flood insurance is required - Flood policy missing

Missing Flood Ins Policy

Information provided

01/25/2022

XXXXX

N/A

Exempt

61369

XXXXX

6563836

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Guideline-XXXXXXX loan amount $XXXX, current loan amount $XXXXXX.XX. Compensating XXXXXXX- fico XXX, XX% ltv and experience investor.

Reviewer 12/30/2021 01:05 AM; Guideline-XXXXXXX loan amount $XXXX, current loan amount $XXXXXX.XX. Compensating XXXXXXX- fico XXX, XX% ltv and experience investor.

12/30/2021

XXXXX

N/A

Exempt

61373

XXXXX

6563626

424

XXXXX

Credit

UW Collateral

UW Collateral - UW - Appraisal Report invalid or expired

Appraisal file corrupted. Unable to open.

Documentation has been provided.

01/24/2022

XXXXX

N/A

Exempt

61373

XXXXX

6562425

957

XXXXX

Credit

Closing Package

Closing Package - First Payment Letter Missing or Incorrect

First payment letter does not match settlement statement in file

Information provided

12/29/2021

XXXXX

N/A

Exempt

61373

XXXXX

6562429

959

XXXXX

Credit

Closing Package

Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect

IEADS does not match settlement statement in file

Information provided

12/29/2021

XXXXX

N/A

Exempt

61373

XXXXX

6562440

959

XXXXX

Credit

Closing Package

Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect

IEADS does not match settlement statement in file

Information provided

12/29/2021

XXXXX

N/A

Exempt

61374

XXXXX

6563816

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Need updated exception to reflect new loan amount of $XXXX. Exception in file reflects loan amount of $XXXX. Guideline- XXXXXXX loan amount is $XXXX, current loan amount is $XXXX. Compensating XXXXXXX- XXXX XXX, XX% XXX and experienced investor.

Exception Requested: Exception required due to loan amount less than $300,000 at XXXX Justification: Comp Factors: FICO 680 20 pts over max, 60% LTV an Experienced Investor owning multiple properties. Decision: XXXX Date: 11.9.2021

01/25/2022

XXXXX

N/A

Exempt

61363

XXXXX

6571826

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception XXXXXX XXXX score is XXX XXXXXXX XXXX amount is $XXXX; our XX = $XXX,XXX. Comp factors are X) XXXXX reserves at XX months; X) XXXX XXXX at XXX XXX and X) XXXXX XXXXX XXXXX with X out of the X properties XXXX and XXXXX XXXXX free.

Reviewer 01/05/2022 03:48 AM; XX months reserves X mos required, XX years established credit history, XX XXXXXXX, XXXXX, XXXXXX in the past, XXXXX XXX, and XXX is XX.XX% XXX with XXX XXXX and XX% XXXXX XXXXX XXXXX with X properties, X of them XXXX

01/05/2022

XXXXX

N/A

Exempt

61367

XXXXX

6587290

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

XX/XX XXXXXX XXXXXXX w/no XXX XXXXXX for XX

Reviewer 01/10/2022 12:58 AM; XX/XX XXXXX: XXXX XX XXX above XXX of XXX,,XXX XX.XX% XXXXX XXX of XX% (reduced XXX due to limited tradeline overlay for XX) XXXXX XXXXXX $XXXX above XXX req of $XX

01/10/2022

XXXXX

Non-QM

61371

XXXXX

6587370

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

XX/X XXXXXX XXXX than $XX XXXXX XXXXXX at $XXXX

Reviewer 01/10/2022 03:31 AM; XX/X XXXXX: XXXX XXX XXX XXXXX XXX required. XxXXxXX housing history XXX months. approved

01/10/2022

XXXXX

Non-QM

61348

XXXXXX

6606250

322

XXXXX

Credit

UW Credit

UW Credit - UW - Credit - Minimum FICO

Provide credit report with credit all credit scores.

Documentation has been provided.

02/08/2022

XXXXX

N/A

Exempt

61352

XXXXXX

6602733

XXXXX

Credit

Closing Package

Closing Package -

Closing XXXXXX for correct property are missing for loan. Only XX in file is dated X/XX/XXXX and shows address of XXX XXXXXX XX XX XXXXXXX, XX XXXXX, when correct closing date is XX/XX/XXXX and for address XXX XXXXXXX XXXXX XX XX, XXXXXXX, XX XXXXX. Correct XXXXX XX is required.

Information provided

Reviewer 02/08/2022 07:36 AM; escalated for review

02/08/2022

XXXXX

N/A

Exempt

61352

XXXXXX

6605656

907

XXXXX

Credit

UW Other

UW Other - UW – Closing Disclosure to evidence source of funds

Provide XXXXX XX.

documentation has been provided.

02/08/2022

XXXXX

N/A

Exempt

61354

XXXXXX

6603707

986

XXXXX

Compliance

Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event

E-XXXXXXX in file is not dated.

Information provided

Reviewer 02/08/2022 07:28 AM; Tdoc e-consent provided did not reflect an e-consent date. Condition remains open.

02/23/2022

XXXXX

Non-QM

61354

XXXXXX

6604348

897

XXXXX

Compliance

Compliance - TRID CD- Other

Loan closed on XX/XX. With holidays the earliest this loan could have funded is X/X. Final XX reflects is funded on X/X. Please provide a XXXX with the correct funding date. Additional conditions may apply

Loan could fund on X/X. PCCD provided

02/08/2022

XXXXX

Non-QM

61354

XXXXXX

6604349

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

02/08/2022

XXXXX

Non-QM

61357

XXXXXX

6604536

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

Zero tolerance violation of $XXX due to decrease in lender credit on XX/XX XX and XX% violation of $XXX.XX due to increase in recording fee. Total violation is $XXX.XX. Please provide proof of refund, XXX to borrower and a XXXX reflecting cure. All must be provided within XX days of closing.

Information provided

02/11/2022

XXXXX

QM Safe Harbor

61357

XXXXXX

6604537

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

02/11/2022

XXXXX

QM Safe Harbor

61349

XXXXXX

6604003

432

XXXXX

Credit

UW Assets

UW Assets - UW - Evidence of downpayment missing/incomplete

Source of funds for the XXXXX in the amount of $X,XXX,XXX listed on the final settlement statement was not provided.

Information provided

Reviewer 02/12/2022 10:54 AM; Exception from management (signed) is required as the borrower received gift funds to cover closing etc for an investment property.

02/23/2022

XXXXX

N/A

Exempt

61349

XXXXXX

6604004

432

XXXXX

Credit

UW Assets

UW Assets - UW - Evidence of downpayment missing/incomplete

Source of funds for the XXXXX in the amount of $XXX,XXX.XX listed on the final settlement statement was not provided.

Reviewer 02/12/2022 10:54 AM; Exception from management (signed) is required as the borrower received gift funds to cover closing etc for an investment property.

02/23/2022

XXXXX

N/A

Exempt

61347

XXXXXX

6605841

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception XXXXXX XXXX than X XXX''''s in a XX month period (XX total).

Reviewer 01/20/2022 01:17 AM; Justification: XXXX XX points above minimum, $XX,XXX residual income, XX months reserves.

01/20/2022

XXXXX

Non-QM

61356

XXXXXX

6605772

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

File is missing XXXX XXXXX from client.

Documentation has been provided.

02/08/2022

XXXXX

Non-QM

61356

XXXXXX

6605815

322

XXXXX

Credit

UW Credit

UW Credit - UW - Credit - Minimum FICO

File is missing verification of XXXX scores.

Documentation has been provided.

02/08/2022

XXXXX

Non-QM

61351

XXXXXX

6605749

851

XXXXX

Credit

UW Qualifications

UW Qualifications - UW – Exception needed

Exception XXXXXX XXXXXX required due borrower only XX% owner of business, using co-mingle account.

Reviewer 01/19/2022 10:53 PM; Justification: XXXXXX required due to borrower is less than XX% owner of XXXXX, per XXX only owns XX% of company. X) XXXXXX XXXX XXX (XX points over max XXX) X) XXX XXXX of XX% (max XX%) X) XXXXX self employed.

01/19/2022

XXXXX

Non-QM

61358

XXXXXX

6647331

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Missing secondary valuation.

Docs provided.

02/08/2022

XXXXX

Non-QM

61350

XXXXXX

6603135

973

XXXXX

Credit

Compliance

Compliance - CD- Other

Missing XXXXX XXXXX XXXXXX. Estimated XXXXX XXXXXX is provided.

Information provided

02/09/2022

XXXXX

N/A

Exempt

61360

XXXXXX

6604127

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Missing proof of rental loss insurance for subject property

Document has been provided

02/09/2022

XXXXX

N/A

Exempt

61360

XXXXXX

6604180

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Missing Comparable rent schedule for subject property

Docs provided.

Reviewer 02/09/2022 06:54 AM; Document provided does not clear deficiency

02/17/2022

XXXXX

N/A

Exempt

61360

XXXXXX

6613611

970

XXXXX

Credit

Compliance

Compliance - CD- Missing

Provide XXXXX, signed XXXXX XXXXXX for XXXXX.

Information provided

02/09/2022

XXXXX

N/A

Exempt

62110

XXXXX

6610303

840

XXXXX

Credit

Disclosure

Disclosure - HPML- need evidence of rate lock date with borrower

02/09/2022

XXXXX

N/A

Exempt

62112

XXXXX

6605678

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

02/15/2022

XXXXX

Non-QM

62112

XXXXX

6605679

963

XXXXX

Compliance

Compliance - CD- Borrower Signature date requires further information

CD issued XX/XX is signed XX/XX- please provide lox for further review

Information provided

Reviewer 02/09/2022 08:24 AM; A XXX has not been provided. Deficiency remains open

02/15/2022

XXXXX

Non-QM

62112

XXXXX

6605680

967

XXXXX

Credit

Compliance

Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date)

Please provide post XX with correct closing and disbursement dates- final XX in file does not allow for X days of rescission

Information provided

02/09/2022

XXXXX

Non-QM

63360

XXXXXX

6657624

399

XXXXX

Credit

UW Assets

UW Assets - UW - Gift Letter (fully executed)

Provide receipt of gift letter deposit in the amount of $XX,XXX, X months asset statement and signed gift letter provided.

Received XXXX

02/18/2022

XXXXX

Non-QM

63360

XXXXXX

6657659

318

XXXXX

Credit

UW Assets

UW Assets - UW - Source of Large Deposit

Provide source of large deposit in the amount of $XX,XXX as of XX/X/XXXX. U/W has excluded large deposit from verified available asset balance.

Received XXXX

02/18/2022

XXXXX

Non-QM

63360

XXXXXX

6657660

433

XXXXX

Credit

UW Assets

UW Assets - UW - Short funds to close

Provide additional asset statement to verify funds to close. U/W has verified $XX,XXX.XX and $XX,XXX.XX is required. The verified assets include a gift in the amount of $XX,XXX as per gift letter.

Documentation provided.

03/02/2022

XXXXX

Non-QM

63360

XXXXXX

6657746

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

Loan exceeds zero tolerance by $XXX due to decrease in XXXXXX XXXXXXX with no valid XXX.Please provide proof of $XXX refund along with letter of explanation to borrower and XXXX reflecting cure. All must be issued within XX days of consummation.

Information provided

02/24/2022

XXXXX

Non-QM

63360

XXXXXX

6657747

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

02/24/2022

XXXXX

Non-QM

62097

XXXXXX

6613090

959

XXXXX

Credit

Closing Package

Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect

Initial XXXXXXX does not equal XXXXX XXXXXXX XXXXXX XXXXXXX XXXXXXX

Per\ XXX\ scope,\ XXXXX\ is\ grade\ B\.\ XXXX\ is\ business\ purpose\.

Reviewer 03/02/2022 07:06 AM; IEADS shows $XXXX.XX. Settlement statement provided shows total escrows of $XXXX.XX. These amounts must match.

03/22/2022

XXXXX

N/A

Exempt

62097

XXXXXX

6622045

336

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Other

The XXXXXX XXXXX number (last X digits) on the XXX from the businesses for XXXXXX XXXXXX is incorrect and no clarification is on file pertaining the difference.

Docs\ in\ file\ are\ acceptable\.

Reviewer 02/10/2022 07:10 PM; notified u/w

03/23/2022

XXXXX

N/A

Exempt

62097

XXXXXX

6622463

907

XXXXX

Credit

UW Other

UW Other - UW – Closing Disclosure to evidence source of funds

Final signed XX missing from file, estimated only in file

Received

Reviewer 02/09/2022 07:20 AM; Document provided does not clear deficiency

Reviewer 02/24/2022 05:10 AM; Document provided is unsigned

03/02/2022

XXXXX

N/A

Exempt

62098

XXXXXX

6613790

382

XXXXX

Credit

UW Other

UW Other - UW - HUD-1 to evidence source of funds

Final CD missing.

Document has been provided

02/09/2022

XXXXX

N/A

Exempt

62100

XXXXXX

6613066

897

XXXXX

Credit

Compliance

Compliance - TRID CD- Other

Missing CDs. No CDs in file.

Information provided

Reviewer 02/09/2022 09:15 AM; CD received not all fees are complete, please provide complete XX''''s

Reviewer 02/10/2022 01:55 PM; Provide final XXX-X, XXXXXX XX or final XXXXX XXXXXX

02/11/2022

XXXXX

N/A

Exempt

62100

XXXXXX

6615248

389

XXXXX

Credit

UW Credit

UW Credit - UW - Fraud Alert documentation

HIGH XXXXX XXXXX XXXX search returned one or more state license match on XXXXX E XXXXXXX XX XXXXXXX, XXXXXXX but no license was found in a state associated with this loan transaction XXX XXXXXXX XXX able to clear alert as no XXXXXXX XXXXXXX found for the above

Documentation has been provided.

Reviewer 02/09/2022 06:59 AM; Document provided does not clear deficiency

02/10/2022

XXXXX

N/A

Exempt

62104

XXXXXX

6613505

907

XXXXX

Credit

UW Other

UW Other - UW – Closing Disclosure to evidence source of funds

Final CD not in file.

Document has been proved

02/09/2022

XXXXX

N/A

Exempt

62108

XXXXXX

6612340

666

XXXXX

Compliance

Sales Contract

Sales Contract - Compliance \ Sales Contract missing

Sales XXXXX missing

Information provided

02/08/2022

XXXXX

Non-QM

62113

XXXXX

6615188

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

This is the XXX property being financed by XXXXXX and no exception approval in file as per guidelines, XXXXXX'''' exposure to a single borrower shall not exceed six properties.

Exception required due to exposure to a single borrower exceeds max of X properties, this loan will be the XXX loan. Key XXXX information: X.XX%, XXXXX XX year fixed I/O; XXXXX of investment property, loan amount: $XXXXXX with purchase XXXXX of $XXXXXX and valued at $XXXXXX with over $XXXXX ibn post closing equity, XXXX XX% - max XX%. Property description: XXXX XXXXX XXXXXX XXXXX, XXXXXXX, XX XXXXX: X bed/X bath, XXXX sq ft XXX. Property address link: XXXX XXXXX XXXXXX XX, XXXXXXX, XX XXXXX / XXXXXX XXXXXX: XXXX @ X.XXX% with subject rent at $XXXX XXXXX: XXXXXX required due to exposure to a single borrower exceeds a max of X properties, this loan will be the XXX loan X) XXXX XXX (XX points above min required of XXX) X) XXXX of X.XXX (X.XXX over min of .XX) X) XXX mo reserves (max required is XX mo) XXXXX: XXXXXXX XX: XXXXXX XXXX X/XX/XXXX

02/16/2022

XXXXX

N/A

Exempt

62116

XXXXX

6612841

957

XXXXX

Credit

Closing Package

Closing Package - First Payment Letter Missing or Incorrect

Final hud does not match XXXXX pmt letter

Information provided

Reviewer 02/09/2022 08:31 AM; Received final settlement statement, homeowners insurance is calculated incorrectly, correct amount is $XXXX.XX

Reviewer 02/09/2022 08:34 AM; XXXXX payment letter is incorrect, please provide updated XXXXX payment letter to match final settlement statement.

03/10/2022

XXXXX

N/A

Exempt

62116

XXXXX

6612842

959

XXXXX

Credit

Closing Package

Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect

Final hud does not match XXXXX disclosure

Information provided

02/09/2022

XXXXX

N/A

Exempt

62116

XXXXX

6615204

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Exception was approved for borrower to have X financed loans with XXXXXX.

Compensating XXXXXXX: XXXX XX points above minimum; XXXX X.XXX%; XX months of reserves.

01/25/2022

XXXXX

N/A

Exempt

62119

XXXXX

6613375

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Loan Amount Less than 300 000.00 minimum

Exception in file. Comps factors: XXXX XX points above minimum, XXXX X.XXX%, XXX months reserves.

01/25/2022

XXXXX

N/A

Exempt

62119

XXXXX

6647343

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Missing valuation.

Docs provided.

02/08/2022

XXXXX

N/A

Exempt

62765

XXXXXX

6646162

378

XXXXX

Credit

UW Other

UW Other - UW - Initial/Final 1003 incomplete/missing

Primary residence XXXX are missing from XXXX''''s

Docs provided.

Reviewer 02/18/2022 06:34 AM; Received XXXX XXXXXXX it does not stratify the condition as it is still missing the XXXX for the bwr''''s XXXXXXX XXXXXX.

03/09/2022

XXXXX

N/A

Exempt

62765

XXXXXX

6646187

382

XXXXX

Credit

UW Other

UW Other - UW - HUD-1 to evidence source of funds

Received

02/23/2022

XXXXX

N/A

Exempt

62095

XXXXXX

6642789

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

02/23/2022

XXXXX

Non-QM

62095

XXXXXX

6642790

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

X% tolerance violation for increase in discount points . No valid dated XXX in the file. A refund in the amount of $XXXX.XX along with XXXX XX, lox to borrower and copy of refund check required within XX days from consummation. There are X XXX''''s in file that are not dated. Please provide dates for each so they can he applied to each disclosure they refer to.

Information provided

02/23/2022

XXXXX

Non-QM

62096

XXXXXX

6643053

973

XXXXX

Compliance

Compliance - CD- Other

Please provide a XXXX verifying the correct funding date and disbursement date.

Information provided

02/24/2022

XXXXX

Non-QM

62096

XXXXXX

6643050

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information provided

03/04/2022

XXXXX

Non-QM

62096

XXXXXX

6643051

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

X% tolerance violation for increase in discount points. No valid dated XXX in the file. A refund in the amount of $XXXX.XX along with XXXX XX, lox to borrower and copy of refund check required within XX days from consummation. There are X XXX''''s in file that have no dates. Please provide the dates for each so we can apply accordingly.

Information provided

Reviewer 02/24/2022 06:32 AM; Please provide XXX for increase in discount points on XX/XX/XXXX XX, or provide XXXX, refund to borrower in the amount of $XXX.XX and XXX.

03/04/2022

XXXXX

Non-QM

62096

XXXXXX

6643052

966

XXXXX

Compliance

Compliance - CD- Data Missing

Please provide a XXXX with section E recording fees itemized.

Information provided

02/24/2022

XXXXX

Non-QM

62103

XXXXXX

6644142

446

XXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Evidence income continues at least 3 years

Awards letter for XXXXXX XXXXX income is missing.

Received

02/23/2022

XXXXX

Non-QM

62103

XXXXXX

6642965

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

02/23/2022

XXXXX

Non-QM

62103

XXXXXX

6642966

966

XXXXX

Compliance

Compliance - CD- Data Missing

Please provide a XXXX showing section E recording fees itemized.

Information provided

02/23/2022

XXXXX

Non-QM

62103

XXXXXX

6642967

973

XXXXX

Compliance

Compliance - CD- Other

Please provide a XXXX verifying the correct funding date and disbursement date.

Information provided

02/23/2022

XXXXX

Non-QM

62771

XXXXX

6648515

382

XXXXX

Credit

UW Other

UW Other - UW - HUD-1 to evidence source of funds

Final XX/settlement statement missing.

Received

03/02/2022

XXXXX

N/A

Exempt

62772

XXXXX

6661553

907

XXXXX

Credit

UW Other

UW Other - UW – Closing Disclosure to evidence source of funds

Final signed XX missing.

Received

03/02/2022

XXXXX

N/A

Exempt

62759

XXXXXX

6665532

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Loan is missing second collateral evaluation.

Received

03/21/2022

XXXXX

Non-QM

62769

XXXXXX

6646664

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

02/08/2022

XXXXX

Non-QM

62769

XXXXXX

6646665

840

XXXXX

Compliance

Disclosure

Disclosure - HPML- need evidence of rate lock date with borrower

The XXXX lock XXX in file is not dated. Please provide a dated rate lock XXX.

Information provided

Reviewer 02/08/2022 01:12 PM; lock in file

02/08/2022

XXXXX

Non-QM

62757

XXXXXX

6676357

920

XXXXX

Credit

Compliance

Compliance - TRID-Missing Final CD

Please provide final XX signed at closing

Final\ XX\ provided

03/25/2022

XXXXX

N/A

Exempt

62762

XXXXXX

6686587

320

XXXXX

Credit

UW Assets

UW Assets - UW - Asset Other

Missing XX/XXXX

Received

03/21/2022

XXXXX

Non-QM

62767

XXXXXX

6670606

272

XXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide clarification on the number of units for the subject property whether its a X or X units property XXXX. The revised appraisal (for X/XX/XXXX) shows X units but the photos shows X units.

Received

03/21/2022

XXXXX

N/A

Exempt

62767

XXXXXX

6680033

897

XXXXX

Credit

Compliance

Compliance - TRID CD- Other

Please provide the final XX signed at closing

Reviewer 03/10/2022 07:32 AM; escalated for review

Reviewer 03/10/2022 09:22 AM; Rec''''d final settlement statement

03/10/2022

XXXXX

N/A

Exempt

62763

XXXXXX

6677782

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

03/10/2022

XXXXX

Non-QM

62763

XXXXXX

6677783

973

XXXXX

Compliance

Compliance - CD- Other

Please provide a XXXX verifying the correct funding date and disbursement date.

Information provided

03/10/2022

XXXXX

Non-QM

62105

XXXXXX

6670334

895

XXXXX

Credit

Compliance

Compliance - TRID CD- Need proof CD was received 3 days prior to consummation

Need proof a XX was issued and received X days prior to closing.

Information provided

03/08/2022

XXXXX

N/A

Exempt

62105

XXXXXX

6670335

902

XXXXX

Credit

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information provided

03/08/2022

XXXXX

N/A

Exempt

62105

XXXXXX

6686546

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Credit report provided does not indicate borrowers XXXX scores.

Received

03/10/2022

XXXXX

N/A

Exempt

63361

XXXXXX

6708350

884

XXXXX

Credit

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information\ provided

03/16/2022

XXXXX

N/A

Exempt

63361

XXXXXX

6708351

897

XXXXX

Credit

Compliance

Compliance - TRID CD- Other

Missing XX''''s from file

Information\ provided

03/16/2022

XXXXX

N/A

Exempt

63362

XXXXXX

6715870

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

No XX XXXXX provided or available.

Received

03/21/2022

XXXXX

Non-QM

63368

XXXXXX

6723849

902

XXXXX

Credit

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information\ provided

03/21/2022

XXXXX

N/A

Exempt

63368

XXXXXX

6723850

973

XXXXX

Credit

Compliance

Compliance - CD- Other

Compliance CD- Other COMMENT: \ XXXXXXX\ initial,\ final\ and\ any\ revised\ XX''''s\.\ XXXX\ received\ XXXXX\ signed\ estimated\ XXXXX\ statement\ for\ subject\.

Information\ provided

03/21/2022

XXXXX

N/A

Exempt

63368

XXXXXX

6733744

328

XXXXX

Credit

UW Credit

UW Credit - UW - Satisfactory 12 mth Mortgage

UW Credit UW - Satisfactory 12 mth Mortgage COMMENT: Per\ guidelines,\ page\ XX,\ XXXXXXX\ XXXXXXX\ XXXXXXX,\ XXXX\ housing-related\ expense/loan\ must\ include\ a\ fully\ documented,\ recent,\ consecutive,\ XX-month\ housing\ history\ and\ a\ rental\ or\ mortgage\ housing\ payment\ history\ for\ a\ minimum\ of\ the\ XX\ months\ leading\ up\ to\ the\ application\ date\.\ XX\ refinances,\ a\ mortgage/housing\ history\ is\ required\ on\ the\ subject\ property\ as\ well\ as\ the\ applicant’s\ primary\ residence\ and\ any\ other\ properties\ the\ borrower\ owns\.\ XXX\ guidelines,\ page\ XX,\ XXXX\ verify\ a\ minimum\ XX-month\ payment\ history\ on\ each\ mortgage\ liability\.\ XXX\ XXXXXX,\ X\ x\ XX\ days\ x\ XX\ months\ all\ loans\ on\ personally\ held\ real\ estate\.\ XXXXXXX\ current\ XX\ months\ XXXX\ for:\ XXXX\ XX\ XXXXXX\ XXXX\ -\ reporting\ on\ credit\ report\ for\ only\ X\ months\ with\ dla\ XX/XXXX\ $received\ mtg\ statements\ supporting\ XX/XXXX\ and\ XX/XXXX\ payments$\.\ XXX\ XXX\ E\ XXXXXX\ -\ received\ prev\ mtg\ statement\ with\ XXX\ XXX\ supporting\ XX/XXXX\ payment,\ received\ new\ XXXX\ and\ refi\ XX,\ previous\ mortgage\ unable\ to\ locate\ on\ credit\ report\.\ XXX\ XXXX\ S\ XXXXXX\ XXXXXX\ XXX\ -\ only\ received\ mortgage\ statement\ supporting\ XX/XXXX\ payment\.

Received

03/23/2022

XXXXX

N/A

Exempt

63369

XXXXXX

6722767

884

XXXXX

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Information\ provided

03/21/2022

XXXXX

Non-QM

63369

XXXXXX

6722768

895

XXXXX

Compliance

Compliance - TRID CD- Need proof CD was received 3 days prior to consummation

Please\ upload\ initial\ XX\ and\ proof\ if\ was\ received\ at\ least\ X\ days\ prior\ to\ closing\.

Information\ provided

03/21/2022

XXXXX

Non-QM

63369

XXXXXX

6723091

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

XX%\ tolerance\ violation\ of\ \$XX\ due\ to\ the\ additions\ of\ the\ notary\ fee\.\ \ XXXXXX\ provide\ proof\ of\ refund,\ XXX\ to\ borrower\ and\ a\ XXXX\ reflecting\ cure\.\ XXX\ must\ be\ provided\ within\ XX\ days\ of\ closing

Information\ provided

03/21/2022

XXXXX

Non-QM

63369

XXXXXX

6723092

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information\ provided

03/21/2022

XXXXX

Non-QM

63369

XXXXXX

6723093

973

XXXXX

Compliance

Compliance - CD- Other

Loan\ closed\ on\ X/XX/XX\.\ \ XXXXXXX\ counting\ XXXXXX\ and\ XXXXXXX,\ the\ earliest\ this\ loan\ could\ have\ funded\ X/XX\.\ \ XXXXXX\ provide\ a\ XXXX\ with\ the\ correct\ funding\ and\ disbursement\ dates\.

Information\ provided

03/21/2022

XXXXX

Non-QM

63369

XXXXXX

6734862

321

XXXXX

Credit

UW Credit

UW Credit - UW - Credit - Insufficient

Per\ guidelines,\ page\ XX,\ XXXXX\ XXXXX,\ XXXX\ borrower\ must\ have\ X\ tradelines\ w/\ at\ least\ XX\ months\ reviewed\ and\ activity\ reported\ in\ the\ past\ XX\ months\ XX\ X\ tradelines\ w/\ at\ least\ XX\ months\ reviewed\ and\ activity\ reported\ in\ the\ past\ XX\ months\.\ XXX\ credit\ report,\ XXXXX\ only\ has\ X\ qualifying\ tradelines\.\ XXX\ XXXX\ XX\ comments\ reflects\ XXXXXX\ needed\ for\ credit\ tradelines\.\ XX\ fully\ executed\ lender\ exception\ received\.\ \

Exception\ to\ policy\ for\ not\ meeting\ standard\ \ credit\ tradeline\ requirement\.\ XXXXXXX\ XXXXXXX:\ XXXXXX\ XXX,\ XX\ points\ higher\ than\ required\ XXX\.\ X\ XXXXX\ on\ current\ job\.\ XXXXXXX\ mortgages\ \$XXXX\ with\ zero\ lates,\ proposed\ mortgage\ \$XXXX\.XX\.\ XXX\ X\.XXX%\ lower\ than\ max\ of\ XX%\ for\ no\ cash\ out\ refi\.\ XXX\ XXX\ XXX\ and\ XXX\ open\ X/XX\ just\ sort\ of\ X\ yrs\ and\ bwr\ had\ previous\ auto\ loans\ $X$\ starting\ X/XX\ XXX\ XX/XX\ and\ XX/XX\ XXX\ X/XX\.

Reviewer 03/25/2022 06:08 AM;

03/25/2022

XXXXX

Non-QM

63373

XXXXXX

6724303

110

XXXXX

Compliance

Deed of Trust/Mortgage

Deed of Trust/Mortgage - legal description is missing.

Information\ provided

03/21/2022

XXXXX

Non-QM

63373

XXXXXX

6724314

879

XXXXX

Compliance

Application

Application - Other:

Employment\ start\ date\ is\ missing\ from\ application\.

Information\ provided

03/21/2022

XXXXX

Non-QM

63373

XXXXXX

6734463

758

XXXXX

Credit

UW Credit

UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio

Provide\ XXX\ documentation\ for\ XXXX\ XXXXX\ XX\ supporting\ \$XXX\.XX\ as\ reflected\ on\ XXXX\.\ $per\ mortgage\ statement\ reflects\ unit\ \#XXX$\.

Received

03/22/2022

XXXXX

Non-QM

64010

XXXXXX

6734909

351

XXXXX

Credit

UW Qualifications

UW Qualifications - UW - DTI exceeds maximum limit

\*XXX\ XXX\ XX%\.\ XXXXXXX\ XXX\ XX\.XXX%\ XXXXXXX\ XXX\ exceeds\ the\ maximum\ limit

Exception\ requested\ for\ XXX\ greater\ than\ XX%\.\ XXXX\ XXXXXXX:\ XXXX\ XXX\ score\ above\ min\ by\ XX\ points\ or\ higher\.\ XXXX-out\ -\ debt\ consolidation\ causing\ \$XXXX\ in\ estimated\ equity\ on\ XXXXX\ property\ and\ improved\ cash\ flow\.\ XXXXXXX\ month\ housing\ history;\ bwr''''s\ demonstrated\ \ ability\ to\ pay\ housing\ expenses\ greater\ than\ or\ equal\ to\ the\ proposed\ monthly\ housing\ expenses\.\ XXXX\ min\ in\ subject\ property\.\ XXX\ stability\ of\ X\ yrs\ or\ more\.\

03/25/2022

XXXXX

Non-QM

64010

XXXXXX

6734910

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

XXXX\ reflects\ XXXXXX\ XXXXXX\ used\ XXXXXXX\ XXXXX\ X/XX/XXXX\ but\ the\ correct\ XXXXXX\ XXXXXX\ used\ was\ XXXXXXX\ XXXXX\ X/X/XXXX\.\ XXXXXXX\ XXXX\ to\ reflect\ XXXXXX\ XXXXXX\ XXXXXXX\ XXXXX\ X/X/XXXX

Received

03/25/2022

XXXXX

Non-QM

64013

XXXXXX

6735552

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

No\ XX\ XXXXX\ provided\ or\ available\.\

Received

03/22/2022

XXXXX

Non-QM

64027

XXXXXX

6735582

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

No\ XX\ XXXXX\ provided\ or\ available\.\

Received\ second\ appraisal

03/22/2022

XXXXX

Non-QM

64031

XXXXXX

6755970

1055

XXXXX

Credit

Missing Images

Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation

Appraisal\ missing\ from\ file\.

04/05/2022

XXXXX

Non-QM

64012

XXXXXX

6748529

895

XXXXX

Credit

Compliance

Compliance - TRID CD- Need proof CD was received 3 days prior to consummation

Please\ provide\ the\ initial\ XX\ and\ proof\ it\ was\ received\ at\ least\ X\ days\ before\ closing\.

Information\ provided

04/04/2022

XXXXX

N/A

Exempt

64012

XXXXXX

6748530

897

XXXXX

Credit

Compliance

Compliance - TRID CD- Other

Please\ provide\ any\ revised\ XX''''s\.

Information\ provided

04/04/2022

XXXXX

N/A

Exempt

64012

XXXXXX

6748531

902

XXXXX

Credit

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information\ provided

04/04/2022

XXXXX

N/A

Exempt

64012

XXXXXX

6748532

920

XXXXX

Credit

Compliance

Compliance - TRID-Missing Final CD

Information\ provided

04/04/2022

XXXXX

N/A

Exempt

64016

XXXXXX

6748938

884

XXXXX

Credit

Compliance

Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply.

Pending\ receipt\ of\ initial\ and\ final\ XXX\.

Information\ provided

04/04/2022

XXXXX

N/A

Exempt

64016

XXXXXX

6748939

895

XXXXX

Credit

Compliance

Compliance - TRID CD- Need proof CD was received 3 days prior to consummation

Missing\ initial\ XX\ signed\ by\ borrower\ dated\ X\ days\ prior\ to\ consummation\.

Information\ provided

04/04/2022

XXXXX

N/A

Exempt

64016

XXXXXX

6748940

920

XXXXX

Credit

Compliance

Compliance - TRID-Missing Final CD

Information\ provided

04/04/2022

XXXXX

N/A

Exempt

64016

XXXXXX

6749318

XXXXX

Credit

Closing Package

Closing Package -

Final\ XX\ is\ missing

Information\ provided

04/04/2022

XXXXX

N/A

Exempt

64016

XXXXXX

6754321

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Final\ XX\ to\ verify\ cash\ out\ is\ missing\.

Received

04/04/2022

XXXXX

N/A

Exempt

64009

XXXXXX

6754494

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Closing\ XXXXX\ to\ verify\ cash\ out\ is\ missing\.

Received

04/04/2022

XXXXX

N/A

Exempt

63370

XXXXXX

6751552

323

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Requirements for Program

Provide\ final\ XX\ of\ buyer''''s\ transactional\ obligations\ for\ subject\ property\ located\ at\ XXX\ XXXXXXX\ XXXX\ XXXXX\.

Received

04/04/2022

XXXXX

N/A

Exempt

63371

XXXXXX

6748806

865

XXXXX

Compliance

Final 1003

Final 1003 - Other:

Please\ provide\ completed\ final\ XXXX\ to\ include\ employment\ start\ date\ as\ XXXXX\ of\ XXXXX\ XXXXXX\ XXXXX\.\

Information\ provided

04/12/2022

XXXXX

Non-QM

63371

XXXXXX

6749505

891

XXXXX

Compliance

Compliance - TRID LE- Initial LE not disclosed within 3 days of Application

Information\ provided

04/05/2022

XXXXX

Non-QM

63371

XXXXXX

6749506

895

XXXXX

Compliance

Compliance - TRID CD- Need proof CD was received 3 days prior to consummation

Need\ proof\ a\ XX\ was\ issued\ and\ received\ X\ days\ prior\ to\ closing\.

Information\ provided

04/05/2022

XXXXX

Non-QM

63371

XXXXXX

6754203

1108

XXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

No\ XX\ XXXXX\ provided\ or\ available\.\

04/05/2022

XXXXX

Non-QM

63371

XXXXXX

6749507

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information\ provided

04/05/2022

XXXXX

Non-QM

63371

XXXXXX

6749509

891

XXXXX

Compliance

Compliance - TRID LE- Initial LE not disclosed within 3 days of Application

Information\ provided

04/05/2022

XXXXX

Non-QM

63371

XXXXXX

6749510

895

XXXXX

Compliance

Compliance - TRID CD- Need proof CD was received 3 days prior to consummation

Need\ proof\ a\ XX\ was\ issued\ and\ received\ X\ days\ prior\ to\ closing\.

Information\ provided

04/05/2022

XXXXX

Non-QM

63371

XXXXXX

6749511

902

XXXXX

Compliance

Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply.

Information\ provided

04/05/2022

XXXXX

Non-QM

63371

XXXXXX

6751053

898

XXXXX

Compliance

Compliance - TRID- Fee Tolerance Violation

Zero\ tolerance\ violation\ for\ addition\ of\ \$XXXX\ XXXXXX\ XXX\.\ \ XXXXXX\ provide\ proof\ of\ refund,\ letter\ of\ explanation\ to\ borrower\ and\ XXXX\ reflecting\ cure\ within\ XX\ days\ of\ closing\.

Information\ provided

04/05/2022

XXXXX

Non-QM

63371

XXXXXX

6751877

323

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Requirements for Program

Provide\ exception\ approval\ as\ per\ u/w\ stated\ on\ XXXX\ for\ <XXXX\ and\ XX%\ XXX\ with\ XXX\ XXXX\.\ XXXXX\ XXXX\ is\ XXX\.

04/05/2022

XXXXX

Non-QM

64023

XXXXXX

6758948

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Rent\ loss\ insurance\ coverage\ is\ missing\ in\ file\ and\ no\ exception\ approval\ has\ been\ provided\.

Received

04/08/2022

XXXXX

N/A

Exempt

64026

XXXXXX

6760249

330

XXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Missing\ XXXXXXX\ XXXXX\ from\ file\.

Received

04/08/2022

XXXXX

N/A

Exempt

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.19

Origination Values

AVM Values

Desk Review Values

Desk Top Review Values

BPO Values

Field Review Values

2055 Values

Updated Values

Updated Multi Property Values

Redacted Loan ID

Customer Loan ID

Seller Loan ID

Note Date

Original Loan Amount

Sales Price

Appraised Value

Value for LTV

Appraisal Date

Second Appraisal Value

Variance Amount

Variance Percent

Second Appraisal Date

Second Appraisal Type

Appraised Value

Variance Amount

Variance Percent

Company

Confidence Score

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Risk Score

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Aggregate Appraised Value

Aggregate Variance Amount

Aggregate Variance Percent

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

Collateral Underwriter Risk Score

60462

XXXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

N/A

60461

XXXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

N/A

60460

XXXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

N/A

60459

XXXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

25.40%

XXXXXXXX

1004

N/A

1.5

61347

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

61348

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

61349

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate risk

XXXXXXXX

N/A

61350

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

61351

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

3.75%

XXXXXXXX

1004

N/A

61352

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

62094

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

61353

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

LOW RISK

XXXXXXXX

N/A

62095

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate risk

XXXXXXXX

N/A

62096

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

63360

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

61354

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate risk

XXXXXXXX

N/A

62097

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

62098

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

XXXX

0.76%

Clear Capital

Moderate

XXXXXXXX

N/A

61355

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

61356

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62099

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate risk

XXXXXXXX

N/A

61357

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62100

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE RISK

XXXXXXXX

N/A

62101

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

62755

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

62102

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

63361

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

61358

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

64009

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62103

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

61359

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate risk

XXXXXXXX

N/A

62756

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

-6.64%

Clear Capital

Moderate

XXXXXXXX

N/A

62104

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62105

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62757

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

62106

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

62108

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

61360

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

62758

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62759

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

62760

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

LOW

XXXXXXXX

N/A

63362

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

1.89%

XXXXXXXX

1004

N/A

64010

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

62761

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

62762

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

XXXXX

1.22%

Clear Capital

Low Risk

XXXXXXXX

N/A

64011

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

62763

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Modrate

XXXXXXXX

N/A

62109

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

-9.49%

Clear Capital

low

XXXXXXXX

N/A

62764

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

62765

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

3.1

63363

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62766

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

62767

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

3.03%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

62768

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

63365

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

XXXXXXXX

1004D

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

62769

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

63367

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

-6.33%

Clear Capital

Moderate

XXXXXXXX

N/A

63368

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

63369

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

63370

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

XXXXXXXX

1004D

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

63371

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

XXXXXXXX

1004

N/A

64012

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

64013

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

64014

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

XXXXXX

0.00%

Thomas Appraisal Company

XXXXXXXX

N/A

64016

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

64017

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

64019

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

64020

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

64021

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

63372

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

64022

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXX

4.35%

XXXXXXXX

1004

N/A

64023

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

63373

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

XXXXXXXX

1004D

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

64024

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

64025

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

64026

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

64027

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

64028

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

64029

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

2.41%

XXXXXXXX

1004

N/A

64031

XXXXXXXXX

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

64032

XXXXXXXXX

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49074

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

5.46%

XXXXXXXX

1004

N/A

49538

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

56087

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57371

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56076

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

60281

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

57785

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

1.09%

XXXXXXXX

1004

N/A

48557

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49060

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

50719

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49058

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49533

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49063

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49059

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49056

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

-2.24%

XXXXXXXX

1004

N/A

49540

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

15.00%

XXXXXXXX

1004

N/A

62110

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

49528

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49064

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

4.17%

Clear Capital

Unknown

XXXXXXXX

N/A

49541

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49065

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

55405

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

5.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49062

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49080

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

49635

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49075

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

49081

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49524

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49525

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49076

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

49529

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

49534

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

1.67%

XXXXXXXX

1004

N/A

49078

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49530

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

49537

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

XXXXX

-0.43%

Clear Capital

Moderate

XXXXXXXX

N/A

49531

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

50720

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49633

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49073

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

49634

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49636

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49535

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49536

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49532

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXX

0.16%

XXXXXXXX

N/A

49632

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

49527

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

50722

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

49539

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

54190

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

50723

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

50724

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

54191

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

1.52%

XXXXXXXX

1004

N/A

50726

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

50727

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

53387

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

1.02%

XXXXXXXX

1004

N/A

52364

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

0.20%

XXXXXXXX

1004

N/A

52365

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

1.77%

XXXXXXXX

1004

N/A

62111

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

62112

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004D

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

52366

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

50729

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

50730

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

50731

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

50732

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56088

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

55406

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE RISK

XXXXXXXX

N/A

55407

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

52367

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

52368

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

53388

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

4.53%

XXXXXXXX

1004

N/A

52369

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

52370

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

54193

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

57786

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

13.33%

XXXXXXXX

1073

N/A

56089

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

52371

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

52372

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

54194

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

55408

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

58131

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

52374

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

55409

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

LOW RISK

XXXXXXXX

N/A

52375

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57356

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004D

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

55410

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

55411

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

56090

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

56091

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate risk

XXXXXXXX

N/A

56092

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate risk

XXXXXXXX

N/A

56093

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

52376

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

53390

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

53391

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

53392

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

55412

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

53393

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

54197

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

56094

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

XXXXX

11.18%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

56095

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

XXXX

0.75%

XXXXXXXX

1073

N/A

56096

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

55413

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

55414

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

55415

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57357

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

55416

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

-4.20%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

56097

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

56098

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

55417

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

2.32%

XXXXXXXX

1004

N/A

57358

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57359

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

55418

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

MODERATE RISK

XXXXXXXX

N/A

57361

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

56099

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56100

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

55419

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

57362

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

55420

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

56077

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56101

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

56102

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

XXXXX

24.14%

Clear Capital

low

XXXXXXXX

N/A

55421

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

57363

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

56103

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

56104

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

-2.86%

Clear Capital

Moderate

XXXXXXXX

N/A

56078

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

56105

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

54198

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

56079

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57364

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

55422

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE RISK

XXXXXXXX

N/A

56106

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

55423

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

56107

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57787

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

1.60%

XXXXXXXX

1004

N/A

56109

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

56080

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

56111

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57365

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

57366

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

61361

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

57367

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57368

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56081

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57369

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

58132

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

2.32%

XXXXXXXX

1004

N/A

56082

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57788

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58133

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57370

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56112

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

3.55%

XXXXXXXX

1004

N/A

56113

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

56084

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56114

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

57789

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

56115

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57372

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

57373

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56116

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

56117

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate risk

XXXXXXXX

N/A

57790

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

57374

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

XXXX

0.53%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57791

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57375

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

57376

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57377

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

57378

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

57379

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

56118

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

XXXXXXXX

1004

N/A

58134

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57381

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

57382

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57383

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

57384

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

-6.67%

Clear Capital

Moderate

XXXXXXXX

N/A

58135

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate Risk

XXXXXXXX

N/A

57792

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

56085

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

57793

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57385

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

57386

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57387

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

3.23%

XXXXXXXX

1025

N/A

57388

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

XXXXX

2.99%

Clear Capital

0.0

XXXXXXXX

N/A

57794

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57795

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57796

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

5.26%

XXXXXXXX

1004

N/A

57797

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

57389

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXX

0.22%

XXXXXXXX

1004

N/A

56086

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

XXXXXXXX

1004D

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

57799

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

57800

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58137

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

57801

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

0.0

XXXXXXXX

N/A

60282

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

57390

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate risk

XXXXXXXX

N/A

58138

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

58139

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57802

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

57391

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58140

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

60283

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57392

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

58141

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXX

-8.65%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58142

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

58143

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

57393

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

0.0

XXXXXXXX

N/A

58144

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58145

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

58146

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

60284

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

61362

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57394

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

57803

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

-2.91%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58147

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1025

N/A

57804

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

0.0

XXXXXXXX

N/A

58148

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

LOW

XXXXXXXX

N/A

58149

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58150

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57805

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

58152

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

-7.33%

Clear Capital

Moderate

XXXXXXXX

N/A

61363

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62113

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57806

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

58153

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

57807

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

4.51%

XXXXXXXX

1004

N/A

57808

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58157

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

58158

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58159

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

57809

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

61364

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57810

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

0.0

XXXXXXXX

N/A

62770

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

11.33%

XXXXXXXX

1004

N/A

58160

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58161

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

XXXXXXXX

1004D

XXXXXX

0.00%

Clear Capital

Low Risk

XXXXXXXX

N/A

60287

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

62771

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

58162

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

low risk

XXXXXXXX

N/A

58163

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

57811

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

4.29%

XXXXXXXX

1004

N/A

62114

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

62115

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

62116

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57812

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

62117

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57395

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

0.0

XXXXXXXX

N/A

62118

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

62119

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low risk

XXXXXXXX

N/A

57396

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57397

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

61365

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

58164

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

58165

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

58166

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57813

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

-1.37%

XXXXXXXX

1004

N/A

58167

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate Risk

XXXXXXXX

N/A

57814

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXX

3.47%

XXXXXXXX

1004

N/A

61366

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

57815

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

60289

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

32.31%

XXXXXXXX

1004

N/A

61367

XXXXXXXX

XXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004D

XXXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

58168

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004

N/A

60290

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

18.15%

XXXXXXXX

1004

N/A

58169

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

60291

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

XXXX

0.25%

XXXXXXXX

1004

N/A

62772

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

XXXXXXXX

1004D

N/A

61368

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

61369

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

58170

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

1.7

58172

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

61370

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

60292

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Low

XXXXXXXX

N/A

58173

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

XXXXXXXX

N/A

60293

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

61371

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

XXXXXXXX

1004D

XXXXXX

-3.25%

Clear Capital

moderate risk

XXXXXXXX

N/A

61372

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

Moderate

XXXXXXXX

N/A

61373

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

0.0

XXXXXXXX

N/A

61374

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

61375

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXXX

XXXXXX

160.99%

Clear Capital

Moderate

XXXXXXXX

N/A

61376

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

MODERATE

XXXXXXXX

N/A

58174

XXXXXXXX

XXXXXXX

XXXXXXXX

XXXXXXX

0.00%

Clear Capital

moderate

XXXXXXXX

N/A

61377

XXXXXXXX

XXXXXX

XXXXXXXX

XXXXXX

0.00%

Clear Capital

low

XXXXXXXX

N/A

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.20

Redacted Loan ID	Customer Loan ID	Seller Loan ID	Field Label	Bid Tape Field Value	Field Value	Comment
62097	XXXXXXXXXX	XXXXXXXXXX	Appraised Value	XXXXXXXXXX	XXXXXXXXXX	Bid tape is $XXX purchase price, Audited is $XXX, verified with appraisal .
62761	XXXXXXXXXX	XXXXXXXXXX	Appraised Value	XXXXXXXXXX	XXXXXXXXXX	Bid tape reflects $XXX, Audited is $XXX Verified with appraisal
64025	XXXXXXXXXX	XXXXXXXXXX	Appraised Value	XXXXXXXXXX	XXXXXXXXXX	Audited data $XXX verified with Appraisal.
49056	XXXXXXXXXX	XXXXXXXXXX	Appraised Value	XXXXXXXXXX	XXXXXXXXXX	Verified
49080	XXXXXXXXXX	XXXXXXXXXX	Appraised Value	XXXXXXXXXX	XXXXXXXXXX	Audited Appraised Value is validated by Appraisal at $XXX. SP is $XXX
49632	XXXXXXXXXX	XXXXXXXXXX	Appraised Value	XXXXXXXXXX	XXXXXXXXXX	Audited Data validated via appraised value of $XXX. SP is $XXX per CD in file.
55419	XXXXXXXXXX	XXXXXXXXXX	Appraised Value	XXXXXXXXXX	XXXXXXXXXX	verified with appraisal
57813	XXXXXXXXXX	XXXXXXXXXX	Appraised Value	XXXXXXXXXX	XXXXXXXXXX	There are 2 appraisals required for this file. 1st appraised Value $XXX 2nd appraised value which is most conservative is $XXX
61347	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Verified with Loan Exception Request that Doc Type was Alternative Doc.
61348	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Audited doc type verified with conditional approval
61349	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc	Full	Verified
61350	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Bid tape has Investor - DSCR. Audited value has Debt Service Coverage. No discernible difference.
61351	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Verified with Lock Confirmation that Doc Type was Alternative Doc.
61352	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	No Ratio	Audited doc type verified with loan approval
62094	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Verified doc type is Alt Doc 24 month business bank statement per approval.
61353	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc	Full	Original Data: Full Doc & Audited Data: Full are one in the same
62095	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Bid tape doc type is Business Bank Statement; Audited doc type is Alternative Doc using 24 month business bank statement.
62096	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Personal Bank Stmt: 24 Mos	Alternative Doc	Bid tape doc type is personal bank statement; Audited doc type is alternative doc
63360	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Audited and original doc type are the same
61354	XXXXXXXXXX	XXXXXXXXXX	Doc Type	2 Year Alt Doc	Alternative Doc	Bid tape doc type is 2 Year Alt Doc. Audited doc type is Alternative Doc
62097	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc	Full	Verified doc type is Full doc. No discernible difference.
62098	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified with loan approval and 1008 that Doc Type was No Ratio.
61355	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Bid tape doc type is Investor-DSCR. Audited doc type is Debt Service Coverage which are the same.
61356	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 12 Mos	Alternative Doc	Verified with 1008 Doc Type is alternative doc.
62099	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified with Approval
61357	XXXXXXXXXX	XXXXXXXXXX	Doc Type	2 Year Alt Doc	Full	Audited doc type verified with loan approval
62100	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Investor - DSCR & Debt Service Coverage is one in the same
62101	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Bid tape is Business bank stmt 24, Audited is Alt Doc, Verified No discernible difference
62755	XXXXXXXXXX	XXXXXXXXXX	Doc Type	2 Year Alt Doc	Alternative Doc	Bid tape is 2 year Alt doc, Audited is Alternative Doc Verified with loan approval.
62102	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Bid tape has Business Bank Stmt: 24 Mos. Verified doc type is Alternative Doc. Income docs include 24 months of business bank statements. No discernible difference.
63361	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
61358	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Full	Verified doc type is Alt Doc per approval.
64009	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 12 Mos	Alternative Doc	Verified doc type is Alternative Doc with loan approval
62103	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Bid tape is Business Bank Stmt 24 Mos, Audited is ALT DOC and one in the same.
61359	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	No Ratio	Verified No ratio with Approval
62756	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Verified that 24 mos business bank statements is the same as alternative doc.
62104	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified with loan approval that Doc Type is DSCR.
62105	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 12 Mos	Alternative Doc	Bid tape is Business Bank Stmt: 12 Mos. Audited data is Alternative Doc. Verified with Loan Approval.
62757	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Personal Bank Stmt: 24 Mos	Alternative Doc	Bid tape is Personal Bank Stmt: 24 Mos. Audited data is Alternative Doc. Verified doc type with Approval.
62106	XXXXXXXXXX	XXXXXXXXXX	Doc Type	1 Year Alt Doc	Alternative Doc	Document type is Alternative with P & L income verification.
62108	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Alt doc = bank statements
61360	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Asset Related	No Ratio	Verified with Approval
62758	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval. No discernible difference.
62759	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Asset Related	NIVA	Bid tape is Asset Related. Audited data is NIVA. Verified with loan approval that Doc Type is Asset Only.
62760	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified same doc type
63362	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Personal Bank Stmt: 24 Mos	Alternative Doc	Verified doc type is Alternative Doc with loan aproval.
64010	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc	Full	Verified doc type is Full. Income docs include paystubs, VOE and W-2.
62761	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Bid tape reflects investor DSCR, audited is DSCR on in the same.
62762	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 12 Mos	Alternative Doc	Bid tape is Business Bank Stmt: 12 Mos. Audited data is Alternative Doc. Verified with Doc Type with loan approval.
64011	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
62763	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Bid tape is Business Bank Stmt: 24 Mos. Audited date is Alternative Doc verified with loan approval. No discernible difference.
62109	XXXXXXXXXX	XXXXXXXXXX	Doc Type	2 Year Alt Doc	Alternative Doc	Doc type is full documentation including alternative documentation.
62764	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Bid tape has Investor - DSCR. Audited value has Debt Service Coverage. No discernible difference.
62765	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc	Full	Verified with loan approval that doc type is Full Doc.
63363	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
62766	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Audited and original doc type are the same
62767	XXXXXXXXXX	XXXXXXXXXX	Doc Type	2 Year Alt Doc	Alternative Doc	Bid tape is 2 year Alt Doc. Audited data is Alternative Doc. No discernible difference.
62768	XXXXXXXXXX	XXXXXXXXXX	Doc Type	1 Year Alt Doc	Alternative Doc	Verified doc type is Alternative Doc with loan approval.
63365	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Bid tape is Investor - DSCR. Audited data is Debt Service Coverage. No discernible difference.
62769	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 12 Mos	Alternative Doc	Bid tape is Business Bank Stmt 12 mos, Audited is Alternative Doc, Verified by loan approval.
63367	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
63370	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
63371	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 12 Mos	Alternative Doc	Verified doc type is Alternative Doc with loan approval
64012	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
64013	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 12 Mos	Alternative Doc	Verified doc type is Alternative Doc with loan approval.
64014	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 12 Mos	Alternative Doc	Alt Doc and Bank statement are the same
64016	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
64017	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
64019	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified with Loan Approval that loan doc type is Debt Service Coverage.
64020	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Audited Data Debt Service Coverage verified with Loan Approval.
64021	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Audited Data Debt Service Coverage verified with loan approval.
63372	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified doc type is Debt Service Coverage with loan approval.
64022	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc	Full	Verified doc type is Full with loan approval and paystubs/W-2.
64023	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Bid Tape Investor-DSCR, Audited Data Debt Service Coverage verified with loan approval.
64024	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Audited value is Alternative which is what our system uses for Bank Statement income program.
64025	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc	Full	Audited Data Full, has been verified with loan approval.
64026	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Bid Tape Investor DSCR and Audited Debt Service Coverage verified with loan approval.
64027	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Business Bank Stmt: 24 Mos	Alternative Doc	Verified doc type is Alternative Doc with loan approval.
64028	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Verified with Loan Approval that loan doc type is Debt Service Coverage.
64029	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Personal Bank Stmt: 12 Mos	Alternative Doc
64031	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Personal Bank Stmt: 12 Mos	Alternative Doc	Verified doc type is Alternative Doc with loan approval.
64032	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Investor - DSCR	Debt Service Coverage	Bid tape and audited tape doc type are the same.
60281	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc - 12 Mo	Reduced Doc	Audited doc type data verified with conditional approval.
49075	XXXXXXXXXX	XXXXXXXXXX	Doc Type	bank statements - bus 24 mo - var exp ratio	Full
49524	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Reduced Doc
49536	XXXXXXXXXX	XXXXXXXXXX	Doc Type	bank statements - bus 12 mo - var exp ratio	Full
52364	XXXXXXXXXX	XXXXXXXXXX	Doc Type	assets only	Reduced Doc	Verified doc type is Reduced per loan approval.
52365	XXXXXXXXXX	XXXXXXXXXX	Doc Type	bank statements - bus 24 mo - acct/ltp p&l	Reduced Doc	Verified per loan approval.
53388	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Alternative Doc	Original CPA Prepared p&l verified using 24 month p&L
52370	XXXXXXXXXX	XXXXXXXXXX	Doc Type	bank statements - bus 12 mo - acct/ltp p&l	Reduced Doc	Verified doc type per loan approval. Income docs include 12 months Business bank statements.
52372	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Alternative Doc	Audited data of Alternative Doc Doc Type is verified per the loan approval.
57356	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Alternative Doc	Verified per the Conditional Loan Approval.
53390	XXXXXXXXXX	XXXXXXXXXX	Doc Type	DSCR	No Ratio	Audited data verified with loan approval
53393	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Assets Only	No Ratio	Audited data of No Ratio Doc Type is verified with the Underwriter loan approval.
55414	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc	Bid tape has Bank Statements - Bus 12 mo. Audited value has Reduced Doc verified per Loan approval.
57357	XXXXXXXXXX	XXXXXXXXXX	Doc Type	DSCR	NIVA	Audited data of No Ratio is verified with loan approval
56098	XXXXXXXXXX	XXXXXXXXXX	Doc Type	DSCR	NIVA	Audited doc type verified with loan approval and 1008
57359	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc	Verified doc type is Reduced per loan approval. Income docs consists of 24mos personal bank statements
56100	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc
57363	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc	Bid Tape has Bank Statements-Bus 12Mos. Audited Data per Loan Approval and Documentation of 12mos Bank statements
56079	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Reduced Doc	Bid tape has CPA Prepared P&L 12mos. Audited Data Doc Type per Loan Approval. Income Documents verified as CPA Prepared P&L 12mos.
57364	XXXXXXXXXX	XXXXXXXXXX	Doc Type	DSCR	NIVA	Audited data of No Ratio is verified with loan approval.
57366	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Assets Only	No Ratio	Audited data verified with loan approval in file. No Ratio loan
57367	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Assets Only	NIVA	Bid tape shows Assets Only, with audited data of NIVA, verified with loan approval and 1008No income only verified asset is the closest ASSETS ONLY doc type
57368	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Assets Only	No Ratio	Verified per approval No income used.
58132	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Full	Verified doc type is Full. Income docs include CPA Letter, P&L an Bank statements.. Audited value has Full. per Approval.
56112	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc - 12 Mo	Reduced Doc	Audited data was verified with loan approval
56084	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc	Audited data of Reduced Doc is verified with loan approval
57790	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Asset Allowance	Asset Depletion	Verified asset depletion loan per approval in file
57377	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc	Audited data of Reduced Doc verified with loan approval
57384	XXXXXXXXXX	XXXXXXXXXX	Doc Type	No DSCR/No Ratio	Debt Service Coverage	Audited data Verified with Exception in the file.
58137	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full Doc - 12 Mo	Reduced Doc	Audited doc type data verified with conditional approval.
57801	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc
57390	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc
57802	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Acct/LTP P&L	Reduced Doc	verified with conditional approval
58140	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Alternative Doc	Verified with the loan approval.
60283	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 24 Mo	Alternative Doc	Verified with the loan approval.
57392	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Assets Only	Asset Depletion	Assets Only and Asset Depletion/ same asset program
58141	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Alternative Doc	Verified with Loan Approval that loan doc type is Alternative Doc.
57803	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc
58147	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Assets Only	NIVA	Bid tape has Assets Only. Audited value has NIVA. No discernible difference.
58159	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 12 Mo	Reduced Doc	CPA Prepared P&L - 12 Mo
57809	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Assets Only	NIVA	Verified as the same
60287	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Assets Only	Asset Depletion	Audited Doc Type verified with conditional approval
62114	XXXXXXXXXX	XXXXXXXXXX	Doc Type	DSCR	No Ratio	Verified with Approval
57812	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Personal 12 Mo	Reduced Doc
58164	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Bank Statements - Bus 12 Mo - Var Exp Ratio	Reduced Doc
60290	XXXXXXXXXX	XXXXXXXXXX	Doc Type	CPA Prepared P&L - 24 Mo	Alternative Doc	SYSTEM VERBAGE DIFFERENCE ONLY
62772	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Asset Allowance	Alternative Doc	Asset Allowance is the same as Alternative Doc
61372	XXXXXXXXXX	XXXXXXXXXX	Doc Type	No DSCR/No Ratio	Debt Service Coverage	DSCR program per 1008
62761	XXXXXXXXXX	XXXXXXXXXX	Original CLTV	0.550000	0.647059	Bid tape value is ____%. Audited data of ______% LTV is verified per the Note amount of $________ / the appraisal price of $________.
48557	XXXXXXXXXX	XXXXXXXXXX	Original CLTV	0.700000	0.651322
62761	XXXXXXXXXX	XXXXXXXXXX	Original LTV	0.550000	0.647059	Bid tape value is 55.00%. Audited data of 64.7059% LTV is verified per the Note amount of $XXXX/ the appraisal price of $XXXX.
61348	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	verified Business Purpose
61349	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified business purpose
61350	XXXXXXXXXX	XXXXXXXXXX	QM Status		Exempt	verified business purpose
61352	XXXXXXXXXX	XXXXXXXXXX	QM Status		Exempt	Verified business purpose
62095	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	verified in CE
62097	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified business purpose
62098	XXXXXXXXXX	XXXXXXXXXX	QM Status		Exempt	verified Business Purpose
61355	XXXXXXXXXX	XXXXXXXXXX	QM Status		Exempt	Verified business purpose
61356	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	Verified no points and fees fail/apr fail present
62099	XXXXXXXXXX	XXXXXXXXXX	QM Status		Exempt	Verified business purpose
61357	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	Verified no compliance related fails
62100	XXXXXXXXXX	XXXXXXXXXX	QM Status		Exempt	Verified BP Investment
62101	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified business purpose
62755	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	verified
61358	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	No Compliance Fails
61359	XXXXXXXXXX	XXXXXXXXXX	QM Status		Exempt	Verified business purpose
62104	XXXXXXXXXX	XXXXXXXXXX	QM Status		Exempt	verified Business Purpose
62105	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	verified investment
62757	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified investment
61360	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified Business Purpose
62760	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	verified Business Purpose
62765	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified
62767	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified investment
62768	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified business purpose
63371	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	Exempt
64013	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	VERIFIED
64029	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	Verified Non-QM, GSE/BKST Fail
64031	XXXXXXXXXX	XXXXXXXXXX	QM Status	QM	Non-QM	Verified Non-QM, not failing in CE. GSE/BKST Fail
49074	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49538	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
56087	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
57371	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
56076	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
60281	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified
57785	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
48557	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49060	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
50719	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49058	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49533	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49063	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49059	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49056	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49540	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
62110	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified in CE
49528	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
49064	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
49541	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
49065	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
55405	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified non-QM, Client provided QM status
49062	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49080	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49635	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
49075	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49081	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49524	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49525	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49076	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49529	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49534	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49078	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49530	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
49537	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49531	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
50720	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49633	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49073	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
49634	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified Business purpose
49636	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
49535	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49536	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49532	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49632	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
49527	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
50722	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
49539	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
54190	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
50723	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
50724	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
54191	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
50726	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
50727	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
53387	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
52364	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
52365	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
62111	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
62112	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
52366	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
50729	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
50730	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
50731	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
50732	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
56088	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
55406	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
55407	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
52367	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
52368	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified Business Purpose
53388	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of non-QM
52369	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
52370	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
54193	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57786	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	No compliance related fails
56089	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
52371	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
52372	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
54194	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
55408	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
58131	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified in CE
52374	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
55409	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
52375	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57356	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
55410	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified Non-QM, Client provided QM status
55411	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
56090	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
56091	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified BP Investment
56092	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
56093	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
52376	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
53390	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
53391	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
53392	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
55412	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
53393	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
54197	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
56094	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
56095	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
56096	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
55413	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
55414	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
55415	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57357	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
55416	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified business purpose
56097	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
56098	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
55417	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified Non-QM, client provided QM status
57358	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
57359	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified Non-QM, Client provided QM status
55418	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57361	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
56099	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
56100	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
55419	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified Business Purpose
57362	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
55420	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
56077	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
56101	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
56102	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
55421	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57363	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified Business Purpose
56103	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
56104	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
56078	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified Business Purpose
56105	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
54198	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM/failing points
56079	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57364	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
55422	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
56106	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
55423	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
56107	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified business purpose
57787	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified Non-QM, Client provided QM status
56109	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
56080	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
56111	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
57365	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified no compliance related fails
57366	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified business purpose
61361	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified
57367	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
57368	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified Business Purpose
56081	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified matches no compliance related fails
57369	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
58132	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
56082	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57788	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Matches- no compliance related fails
58133	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
57370	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
56112	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
56113	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Matches - no compliance related fails.
56084	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
56114	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57789	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
56115	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
57372	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
57373	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified Business Purpose
56116	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified BP Investment
56117	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57790	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
57374	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57791	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
57375	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
57376	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57377	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57378	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57379	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
56118	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified as a Business Purpose loan.
58134	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified business purpose
57381	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
57382	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified Non-QM, Client provided QM status
57383	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57384	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
58135	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified Business Purpose
57792	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified matches, no compliance fails
56085	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57793	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified no compliance related fails
57385	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57386	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
57387	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57388	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
57794	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
57795	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
57796	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
57797	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
57389	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
56086	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified as a Bank Statement alt-doc loan approval.
57799	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
57800	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
58137	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
58137	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified in CE
57801	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified Bp Investment
60282	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
57390	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
58138	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified in CE
58139	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified Business Purpose
57802	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
57391	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified - this matches
58140	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified no compliance related fails
60283	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified with the loan approval.
57392	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
58141	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified no compliance related fails
58142	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
58143	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified in CE
57393	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified business purpose
58144	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified Business Purpose
58145	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified Business Purpose
58146	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
60284	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
61362	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified
57394	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
57803	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified Non-QM, Client provided QM status
58147	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified pts and fees fail
57804	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
58148	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
58149	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified Business Purpose
58150	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified in CE
57805	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
58152	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified non-QM, Client provided QM status
61363	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified business purpose
62113	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
57806	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Loan failed hpml no other fails
58153	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
57807	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified as a Bank Statement alt-doc loan approval.
57808	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
58157	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
58158	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Matches, no compliance related fails
58159	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
57809	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
61364	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified
57810	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified business purpose
62770	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified
58160	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
58161	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified Business Purpose
60287	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
62771	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified BP Investment
58162	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified
58163	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
57811	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
62114	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified Business Purpose
62115	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
62116	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified Business Purpose
57812	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
62117	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified Business Purpose
57395	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt
62118	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
62119	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
57396	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt
57397	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business Purpose
61365	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified business purpose
58164	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
58165	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM
58166	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
57813	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
58167	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified business purpose
57814	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
61366	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified business purpose
57815	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
60289	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
61367	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified Non QM, Client provided QM status
58168	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
60290	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified- Matches
58169	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE, no compliance related fails
60291	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified with the loan approval.
62772	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	verified Business purpose
61368	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified
61369	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified
58170	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified in CE
58172	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
61370	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM Status of Non-QM
60292	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
58173	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified via Note
60293	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
61371	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified Non-QM, Client provided QM status
61372	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	Verified business purpose
61373	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	verified business purpose
61374	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Exempt	Verified
61375	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Client provided QM status of Non-QM
61376	XXXXXXXXXX	XXXXXXXXXX	QM Status	None - Not Covered	Exempt	VERIFIED
58174	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	verified in CE
61377	XXXXXXXXXX	XXXXXXXXXX	QM Status	ATR - Not QM	Non-QM	Verified
62104	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	693	687	Bid tape data is 693. Audited value is 687. Auditor used middle of three scores. Equifax score is 677. Experian score is 687. Transunion score is 693.
62106	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	806	790	Tape data is 806. Audited value is 790. Auditor used middle of three scores. Equifax score is 792. Experian score is 790. Transunion score is 767.
63368	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	735	699	Tape data is 735. Audited value is 699. Audited data used lowest middle of three scores of both Borrowers.
64022	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	769	790	Tape data is 769. Audited value is 790. Auditor used middle of three scores. Equifax score is 771. Experian score is 790. Transunion score is 801.
64031	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	727	681	Tape data is 727. Audited value is 681. Auditor used middle of three scores. Equifax score is 681. Experian score is 674. Transunion score is 681
49530	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	678	697
50723	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	750	628
57786	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	745	753
52371	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	685	705
56107	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	803	782
61361	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	658	649	Bid tape data is 658. Audited value is 649. Auditor used middle of three scores. Equifax score is 649. Experian score is 633. Transunion score is 658.
58132	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	750	785
57377	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	801	700
58134	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	809	803	Tape data is 809 is borrowers mid score. Audited value is 803 co borrowers mid score, . Auditor used middle of three scores. Equifax score is 792. Experian score is 809. Transunion score is 810.
57792	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	753	734
58141	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	773	756
57803	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	748	690
58149	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	742	682
58150	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	742	682	Bid tape data is 742. Audited value is 682. Auditor used middle of three scores. Equifax score is 689. Experian score is 682. Transunion score is 676.
62113	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	743	733	Tape data is 743. Audited value is 733. Auditor used middle of three scores. Equifax score is 697. Experian score is 765. Transunion score is 733.
58160	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	784	747
61367	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	745	699	Verified
61372	XXXXXXXXXX	XXXXXXXXXX	Qualifying Credit Score	667	656	Bid tape data is 667. Audited value is 656. Auditor used middle of three scores. Equifax score is 656. Experian score is 637. Transunion score is 659.
61353	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.48400	0.48395	Tape data is 0.48400%. Audited data of 0.48395 DTI is verified per the UW income calculation. Total debt $ 4453.05/ Total qualifying Income $9100.39
62097	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.49550	0.49545	Bid tape is 49.55%. Verified data of 49.545% DTI is verified per the UW income calculation. Total debt $14,215.09 / Total qualifying Income $28,691.54. Difference is due to rounding.
62101	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.50180	0.47880	Bid tape has 50.18%. Audited data is 47.88%. Total debt is $5283.45 / $11,119.63 Total Qualifying Income.
62104	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	8.66700		Verified with Loan Approval that loan is DSCR which does not verify income or debt.
62105	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.44720	0.44721	Bid tape is 44.720%. Audited data of 44.721%. DTI is verified per the UW income calculation. Total debt $21,532.71 /Total qualifying income $48,149.24.
62108	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.43500	0.43495	Original and audited data are the same
61360	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.38410		Verified No Ratio with Approval
63362	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.43500	0.48864	Tape data is 43.50%. Audited data of 48.864% DTI is verified per the UW income calculation. Total debt $11,576.57 / Total qualifying Income $24,096.66.
64010	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.55000	0.54996	Bid tape is 55.00%. Audited data of 54.996% DTI is verified per the UW income calculation. Total debt $6579.80/ Total qualifying Income $. 11,964.21=54.996 difference is due to rounding
62762	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.48160	0.48156	Bid tape is 48.160%. Audited data of 48.156%. DTI is verified per the UW income calculation. Total debt $3,860.18/Total qualifying income $8,016.05.
62109	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.47430	0.47433	Tape data is 47.43%. Audited data of 47.433% DTI is verified per the UW income calculation. Total debt $7518.59/ Total qualifying Income $16141.57. Difference is due to rounding
64020	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	6.16880		Verified with loan approval that loan is a DSCR which does not verify employment or income.
64021	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	6.45890		Verified with loan approval that loan is a DSCR which does not verify income or employment.
64024	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.48710	0.48711	Tape data is 48.710%. Audited data of 48.711% DTI is verified per the UW income calculation. Total debt $13,315.88 / Total qualifying Income $30,731.05. Difference is due to rounding.
49064	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.44860	0.44850
49635	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.21510	0.15891
54190	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.43840	0.43830
50724	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.48000	0.48002
52366	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.45250	0.41040
55406	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.48210	0.48212
55407	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.46970	0.46967
55408	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.42980	0.44180
52375	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.49840	0.49841
55410	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.49770	0.49400
55415	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.46350	0.33600
55423	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.44630	0.44632
57788	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.39600	0.33170
57789	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.49830	0.50000
58134	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.44590	0.44594	Bid tape is 44.590%. Audited data of 44.594%. Ratio is verified per the UW income calculation. Total housing debt $8269.13 / Total qualifying Income $18543.27. Difference is due to rounding.
57381	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.36100	0.41743
57383	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.45250	0.45251
56085	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.39440	0.33710
57797	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.44650	0.44648
57812	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.46900	0.46904
60291	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.44380	0.44320	Bid tape is 44.38%. Audited data of 44.32% DTI is verified per the UW income calculation. Total debt $11966.31 / Total qualifying Income $27000.00.
58170	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	0.54960	0.45920	Bid tape is 54.96%. Audited data of 45.92%. Ratio is verified per the UW income calculation. Total housing debt $4212.08 / Total qualifying Income $9550.75.
62109	XXXXXXXXXX	XXXXXXXXXX	Sales Price	XXXXXXXXXX	XXXXXXXXXX
52371	XXXXXXXXXX	XXXXXXXXXX	Sales Price	XXXXXXXXXX	XXXXXXXXXX
60459	XXXXXXXXXX	XXXXXXXXXX	Doc Type	Full	Alternative Doc	Bid tape has Full doc. Audited value has Alternative Doc verified with loan approval
60461	XXXXXXXXXX	XXXXXXXXXX	DSCR	0.880	0.790	Tape data is .88% or blank. Gross Schedule Income is $4,000 divided by Monthly mortgage payment $5,044.50 equals DSCR ratio .79%. Monthly mortgage payment matching 1008.
60459	XXXXXXXXXX	XXXXXXXXXX	Maturity Date	XXXXXXXX	XXXXXXXX	Verified w/ note
60462	XXXXXXXXXX	XXXXXXXXXX	Note Date	XXXXXXXX	XXXXXXXX	Verified
60462	XXXXXXXXXX	XXXXXXXXXX	Prepayment Penalty		Y	verified
60461	XXXXXXXXXX	XXXXXXXXXX	Prepayment Penalty		Y	verified
60460	XXXXXXXXXX	XXXXXXXXXX	Prepayment Penalty		Y	Verified PPP Yes
60462	XXXXXXXXXX	XXXXXXXXXX	Prepayment Penalty Type		Hard	Verified
60461	XXXXXXXXXX	XXXXXXXXXX	Prepayment Penalty Type		Hard	Verified
60460	XXXXXXXXXX	XXXXXXXXXX	Prepayment Penalty Type		Hard	verified
60462	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified
60461	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	verified Business Purpose
60460	XXXXXXXXXX	XXXXXXXXXX	QM Status	Non-QM	Exempt	Verified
60459	XXXXXXXXXX	XXXXXXXXXX	Qualifying DTI	28.41000	0.30587	Tape data is 28.4100%. Audited data of 33.541% DTI is verified per the UW income calculation. Total debt $13025.32 / Total qualifying Income $38,834.20.
60462	XXXXXXXXXX	XXXXXXXXXX	Self-Employment Flag	No	N
60461	XXXXXXXXXX	XXXXXXXXXX	Self-Employment Flag	No	N
60460	XXXXXXXXXX	XXXXXXXXXX	Self-Employment Flag	No	N

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.21

Redacted Loan ID

Customer Loan ID

Seller Loan ID

Loan Level ATR/QM Status

Verified Safe Harbor

Application Date Prior to 1/10/2014

Lender Application Date

GSE Eligible

ATR/QM Total Points and Fees

Rate Lock Date

APR

Borrower Employment Indicator

Co Borrower Employment Indicator

Borrower Foreign National Indicator

Co Borrower Foreign National Indicator

Residual Income

ATR/QM Residual Income

60462

XXXXXXXXXX

Exempt

N/A

XXXXXXXXXX

Yes

0.00%

Not Required

US Citizen

60461

XXXXXXXXXX

Exempt

N/A

XXXXXXXXXX

Yes

0.00%

Not Required

Permanent Resident Alien

60460

XXXXXXXXXX

Exempt

N/A

XXXXXXXXXX

Yes

0.00%

Unemployed

US Citizen

60459

XXXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$2,190.00

10/04/2021

4.515%

Self-Employed

Unemployed

Non Permanent Resident Alien

61347

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$19,527.80

11/05/2021

4.065%

Self-Employed

US Citizen

61348

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

61349

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

Self-Employed

US Citizen

61350

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

61351

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$67,432.50

11/10/2021

3.655%

Self-Employed

US Citizen

61352

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62094

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,601.25

12/17/2021

3.514%

Self-Employed

Permanent Resident Alien

US Citizen

61353

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,740.00

12/10/2021

3.691%

Employed

US Citizen

Yes

$4,647.34

62095

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$20,150.51

11/12/2021

3.795%

Self-Employed

US Citizen

62096

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$15,251.25

11/11/2021

4.103%

Self-Employed

US Citizen

63360

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,852.50

11/10/2021

6.236%

Self-Employed

Permanent Resident Alien

61354

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$8,313.00

11/09/2021

3.371%

Self-Employed

US Citizen

62097

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

12/27/2021

0.00%

Self-Employed

Employed

US Citizen

62098

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

61355

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

61356

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,247.50

11/15/2021

5.703%

Employed

US Citizen

62099

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

61357

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$34,140.51

11/15/2021

4.792%

Self-Employed

US Citizen

62100

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

11/18/2021

0.00%

Not Required

US Citizen

62101

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

11/15/2021

0.00%

Self-Employed

US Citizen

Yes

$5,836.18

62755

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$19,741.25

01/03/2022

4.236%

Self-Employed

US Citizen

62102

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,132.50

12/16/2021

3.51%

Self-Employed

US Citizen

63361

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

12/28/2021

0.00%

Not Required

US Citizen

61358

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$19,620.00

12/06/2021

3.446%

Self-Employed

US Citizen

64009

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

62103

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$11,152.50

12/22/2021

3.597%

Self-Employed

US Citizen

61359

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

12/13/2021

0.00%

Retired

US Citizen

62756

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,120.00

01/21/2022

5.181%

Self-Employed

US Citizen

62104

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

11/23/2021

0.00%

Not Required

US Citizen

62105

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

12/21/2021

0.00%

Self-Employed

US Citizen

62757

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

11/23/2021

0.00%

Self-Employed

US Citizen

62106

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$16,075.00

12/27/2021

4.051%

Self-Employed

US Citizen

62108

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,420.00

12/23/2021

4.015%

Self-Employed

US Citizen

61360

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

12/13/2021

0.00%

Not Required

US Citizen

62758

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62759

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,700.00

01/10/2022

4.134%

Not Required

US Citizen

62760

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

63362

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$22,820.00

12/23/2021

5.006%

Self-Employed

US Citizen

64010

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$30,992.70

12/11/2021

3.816%

Employed

US Citizen

Yes

$6,914.85

62761

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62762

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,557.50

01/12/2022

5.058%

Self-Employed

US Citizen

64011

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62763

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$16,009.38

01/18/2022

4.915%

Self-Employed

Employed

US Citizen

62109

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$32,468.75

01/03/2022

3.80%

Employed

Self-Employed

US Citizen

62764

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62765

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

01/04/2022

0.00%

Employed

US Citizen

63363

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62766

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,302.50

01/14/2022

4.867%

Self-Employed

US Citizen

62767

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

01/26/2022

0.00%

Self-Employed

US Citizen

62768

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

01/24/2022

0.00%

Not Required

US Citizen

63365

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

01/27/2022

0.00%

Not Required

US Citizen

62769

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,542.75

01/12/2022

4.996%

Self-Employed

US Citizen

63367

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

63368

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

02/01/2022

0.00%

Not Required

US Citizen

63369

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,515.00

02/02/2022

5.04%

Self-Employed

US Citizen

63370

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

Permanent Resident Alien

63371

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,960.00

02/18/2022

6.301%

Self-Employed

US Citizen

64012

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

01/25/2022

0.00%

Not Required

US Citizen

64013

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$87,721.60

01/26/2022

4.505%

Self-Employed

Permanent Resident Alien

64014

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

64016

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

02/10/2022

0.00%

Not Required

US Citizen

64017

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

64019

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

64020

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

64021

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

63372

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

64022

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$71,850.00

02/02/2022

4.108%

Employed

US Citizen

64023

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

63373

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$11,370.00

02/11/2022

6.285%

Self-Employed

US Citizen

64024

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$22,870.00

02/12/2022

6.374%

Self-Employed

US Citizen

64025

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

US Citizen

64026

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

64027

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$27,124.00

03/01/2022

5.731%

Self-Employed

US Citizen

64028

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

Permanent Resident Alien

64029

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$28,055.50

02/17/2022

4.697%

Self-Employed

Unemployed

US Citizen

64031

XXXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$17,127.50

03/11/2022

5.916%

Self-Employed

Unemployed

US Citizen

64032

XXXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

49074

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/12/2021

4.393%

Self-Employed

US Citizen

49538

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56087

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

57371

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,255.00

09/30/2021

3.83%

Self-Employed

US Citizen

56076

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$22,318.75

09/27/2021

3.492%

Self-Employed

US Citizen

60281

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$2,369.00

11/08/2021

4.38%

Self-Employed

Permanent Resident Alien

57785

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$24,302.50

11/05/2021

4.809%

Self-Employed

US Citizen

48557

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

01/29/2021

5.853%

Self-Employed

US Citizen

49060

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

02/12/2021

4.173%

Self-Employed

Permanent Resident Alien

Yes

$3,974.79

50719

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,303.55

04/01/2021

3.729%

Employed

US Citizen

49058

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

02/02/2021

2.81%

Employed

US Citizen

49533

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

03/29/2021

3.791%

Self-Employed

US Citizen

49063

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

03/19/2021

4.379%

Self-Employed

US Citizen

49059

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

03/23/2021

4.28%

Self-Employed

US Citizen

49056

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,615.00

03/17/2021

4.93%

Self-Employed

US Citizen

49540

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/22/2021

5.467%

Self-Employed

US Citizen

62110

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

12/23/2021

0.00%

Self-Employed

US Citizen

49528

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

49064

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

US Citizen

49541

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

49065

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$16,425.00

03/08/2021

3.886%

Self-Employed

US Citizen

Yes

$26,624.50

55405

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$56,115.00

07/20/2021

4.297%

Self-Employed

US Citizen

49062

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

03/16/2021

5.358%

Self-Employed

US Citizen

49080

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/15/2021

5.355%

Self-Employed

US Citizen

49635

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

49075

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/08/2021

5.513%

Self-Employed

US Citizen

49081

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/12/2021

4.027%

Self-Employed

US Citizen

49524

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/30/2021

5.544%

Employed

US Citizen

49525

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/27/2021

0.00%

Retired

US Citizen

49076

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/22/2021

5.425%

Self-Employed

Permanent Resident Alien

49529

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$86,757.50

04/16/2021

3.647%

Self-Employed

US Citizen

Yes

$76,702.74

49534

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/21/2021

4.71%

Employed

US Citizen

49078

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,420.00

04/20/2021

5.012%

Self-Employed

Non Permanent Resident Alien

49530

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

49537

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$13,915.00

04/12/2021

4.504%

Self-Employed

Unemployed

US Citizen

Yes

$99,056.69

49531

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

04/13/2021

0.00%

Employed

US Citizen

50720

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$4,870.00

06/08/2021

4.234%

Self-Employed

US Citizen

49633

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$19,464.47

05/03/2021

3.48%

Self-Employed

US Citizen

49073

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

49634

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

04/15/2021

0.00%

Unemployed

US Citizen

49636

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

49535

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

05/07/2021

6.299%

Self-Employed

US Citizen

49536

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/16/2021

4.346%

Self-Employed

US Citizen

Non Permanent Resident Alien

49532

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

04/29/2021

5.298%

Self-Employed

US Citizen

49632

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

49527

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$15,411.40

05/07/2021

4.372%

Employed

US Citizen

50722

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$5,465.00

06/14/2021

3.612%

Self-Employed

US Citizen

49539

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

05/11/2021

3.935%

Self-Employed

Permanent Resident Alien

54190

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$8,912.50

07/09/2021

4.113%

Self-Employed

US Citizen

Yes

$4,478.89

50723

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$16,057.50

05/27/2021

5.488%

Employed

Self-Employed

US Citizen

50724

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$22,069.00

06/15/2021

4.45%

Retired

US Citizen

Yes

$5,810.53

54191

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$60,043.05

05/27/2021

5.486%

Self-Employed

US Citizen

50726

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

50727

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

53387

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

52364

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

07/22/2021

4.436%

Self-Employed

US Citizen

52365

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

07/31/2021

4.022%

Self-Employed

US Citizen

62111

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

05/20/2021

0.00%

Self-Employed

US Citizen

62112

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$26,066.00

12/21/2021

3.37%

Self-Employed

US Citizen

52366

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,804.00

06/09/2021

4.948%

Self-Employed

US Citizen

Yes

$8,207.16

50729

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

06/09/2021

0.00%

Self-Employed

US Citizen

Yes

$7,500.73

50730

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

US Citizen

50731

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,570.00

06/14/2021

0.00%

Self-Employed

US Citizen

50732

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56088

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

55406

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$15,132.50

09/08/2021

3.441%

Self-Employed

US Citizen

55407

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,401.25

08/31/2021

3.321%

Self-Employed

Unemployed

US Citizen

52367

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

07/20/2021

3.992%

Self-Employed

US Citizen

52368

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

Yes

$9,979.20

53388

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$43,809.00

07/20/2021

3.883%

Self-Employed

US Citizen

52369

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Retired

US Citizen

52370

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$0.00

07/06/2021

4.769%

Self-Employed

US Citizen

54193

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$13,115.00

08/17/2021

3.864%

Self-Employed

US Citizen

Yes

$10,416.38

57786

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$21,320.00

06/21/2021

4.05%

Self-Employed

US Citizen

56089

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

52371

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Other

Self-Employed

US Citizen

52372

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

Yes

$151,018.54

54194

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

Unemployed

US Citizen

55408

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

US Citizen

Yes

$5,536.00

58131

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,086.40

11/02/2021

4.778%

Self-Employed

US Citizen

52374

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,715.00

06/28/2021

5.508%

Self-Employed

US Citizen

55409

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

Yes

$4,704.22

52375

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,583.75

07/07/2021

3.392%

Self-Employed

US Citizen

57356

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$29,120.14

09/24/2021

4.631%

Self-Employed

US Citizen

55410

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,495.00

08/10/2021

3.809%

Self-Employed

US Citizen

Yes

$2,925.39

55411

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

Yes

$5,265.51

56090

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

56091

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Retired

US Citizen

56092

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56093

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

52376

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

53390

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Other

Permanent Resident Alien

53391

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Retired

US Citizen

53392

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

US Citizen

55412

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$2,369.25

08/25/2021

3.689%

Self-Employed

US Citizen

53393

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$4,620.00

08/04/2021

4.327%

Other

US Citizen

Yes

-$2,647.40

54197

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,120.00

08/03/2021

5.213%

Self-Employed

US Citizen

Yes

$7,822.89

56094

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$11,210.00

07/29/2021

3.737%

Self-Employed

US Citizen

Yes

$21,580.92

56095

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56096

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

US Citizen

55413

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$23,932.50

08/20/2021

4.648%

Self-Employed

US Citizen

55414

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,620.00

09/01/2021

4.105%

Self-Employed

US Citizen

Yes

$7,312.03

55415

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$13,965.00

09/03/2021

4.089%

Self-Employed

US Citizen

57357

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

55416

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

08/05/2021

0.00%

Employed

US Citizen

56097

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56098

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

55417

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$18,975.29

08/09/2021

5.505%

Self-Employed

US Citizen

57358

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$8,193.69

09/02/2021

3.724%

Self-Employed

US Citizen

57359

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,120.00

09/17/2021

4.457%

Self-Employed

Employed

US Citizen

Yes

$30,786.20

55418

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$29,919.00

08/31/2021

4.36%

Self-Employed

US Citizen

Yes

$126,518.86

57361

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56099

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56100

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$17,604.38

08/18/2021

3.714%

Self-Employed

Employed

US Citizen

Yes

$20,402.59

55419

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

08/12/2021

0.00%

Self-Employed

US Citizen

57362

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,882.50

09/28/2021

3.591%

Self-Employed

US Citizen

55420

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

Employed

US Citizen

56077

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,026.25

09/24/2021

3.814%

Self-Employed

US Citizen

56101

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

Permanent Resident Alien

56102

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

55421

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,821.25

09/08/2021

3.954%

Self-Employed

US Citizen

57363

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

56103

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56104

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56078

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

56105

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

54198

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$62,020.00

07/29/2021

4.522%

Self-Employed

US Citizen

56079

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$25,995.00

10/08/2021

4.491%

Self-Employed

Permanent Resident Alien

Yes

$13,231.95

57364

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

55422

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,566.30

09/16/2021

4.527%

Self-Employed

US Citizen

56106

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Retired

US Citizen

55423

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$3,048.75

08/30/2021

4.735%

Self-Employed

US Citizen

56107

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

09/26/2021

0.00%

Self-Employed

Unemployed

US Citizen

57787

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$73,995.00

10/28/2021

4.582%

Self-Employed

US Citizen

56109

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

Permanent Resident Alien

56080

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$4,057.50

08/30/2021

3.952%

Self-Employed

US Citizen

56111

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

57365

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$17,565.00

10/04/2021

3.445%

Self-Employed

US Citizen

57366

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

61361

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,748.64

11/09/2021

5.916%

Employed

US Citizen

57367

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

10/28/2021

0.00%

Unemployed

US Citizen

57368

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

09/28/2021

0.00%

Unemployed

US Citizen

56081

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$22,900.00

09/07/2021

3.786%

Self-Employed

US Citizen

Yes

$32,007.11

57369

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

08/30/2021

0.00%

Self-Employed

US Citizen

58132

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$49,619.99

10/21/2021

4.06%

Self-Employed

Unemployed

US Citizen

56082

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$25,020.00

09/16/2021

5.911%

Self-Employed

US Citizen

57788

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$15,475.00

09/07/2021

3.951%

Self-Employed

US Citizen

58133

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,432.50

10/22/2021

4.324%

Self-Employed

US Citizen

57370

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

56112

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

Yes

$77,478.89

56113

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,540.00

09/13/2021

4.331%

Self-Employed

US Citizen

56084

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$15,457.50

09/28/2021

4.924%

Self-Employed

US Citizen

Yes

$13,129.87

56114

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,452.00

09/22/2021

4.108%

Self-Employed

US Citizen

57789

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,182.50

09/28/2021

3.932%

Retired

US Citizen

56115

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

US Citizen

57372

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

57373

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

56116

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

09/27/2021

0.00%

Self-Employed

Unemployed

US Citizen

Yes

$6,025.86

56117

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$4,620.00

09/20/2021

4.446%

Self-Employed

US Citizen

57790

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,611.12

09/22/2021

3.543%

Self-Employed

Unemployed

US Citizen

57374

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$19,997.01

09/07/2021

3.67%

Self-Employed

US Citizen

57791

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

57375

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$23,570.00

09/30/2021

5.248%

Self-Employed

US Citizen

Yes

$20,437.17

57376

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$5,206.50

10/19/2021

5.019%

Self-Employed

US Citizen

57377

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,695.00

10/08/2021

4.549%

Retired

Self-Employed

US Citizen

57378

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,320.00

10/12/2021

5.018%

Employed

US Citizen

57379

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,935.00

10/19/2021

5.77%

Self-Employed

US Citizen

56118

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

10/05/2021

0.00%

Not Required

US Citizen

58134

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

Unemployed

US Citizen

Permanent Resident Alien

57381

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$16,316.78

09/16/2021

3.263%

Self-Employed

US Citizen

57382

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$8,951.25

09/16/2021

5.527%

Self-Employed

US Citizen

57383

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,380.00

10/20/2021

5.86%

Self-Employed

US Citizen

57384

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

58135

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

57792

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$13,620.00

10/21/2021

4.61%

Self-Employed

Not Required

US Citizen

56085

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$1,620.00

09/23/2021

4.073%

Self-Employed

US Citizen

57793

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,157.60

09/27/2021

3.727%

Self-Employed

Unemployed

US Citizen

57385

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$18,495.00

09/24/2021

5.031%

Self-Employed

US Citizen

57386

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

57387

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$45,020.00

10/12/2021

3.767%

Self-Employed

US Citizen

57388

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Employed

US Citizen

57794

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$5,781.00

11/02/2021

3.118%

Self-Employed

US Citizen

Yes

$3,615.17

57795

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,120.00

10/29/2021

3.817%

Self-Employed

Employed

US Citizen

57796

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$55,042.50

09/28/2021

3.807%

Self-Employed

Not Required

US Citizen

57797

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$11,199.38

09/28/2021

4.884%

Self-Employed

US Citizen

57389

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$1,620.00

09/27/2021

4.412%

Self-Employed

US Citizen

56086

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,695.00

10/06/2021

4.992%

Employed

US Citizen

57799

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

57800

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$8,310.00

10/26/2021

6.032%

Self-Employed

Permanent Resident Alien

58137

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$2,935.00

10/28/2021

3.502%

Employed

US Citizen

57801

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

10/25/2021

0.00%

Self-Employed

US Citizen

60282

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$8,955.20

11/05/2021

5.128%

Self-Employed

US Citizen

57390

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$16,682.50

10/20/2021

4.964%

Employed

Self-Employed

US Citizen

58138

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$29,526.00

11/12/2021

3.483%

Self-Employed

US Citizen

58139

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

57802

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$31,620.00

10/27/2021

3.749%

Self-Employed

US Citizen

57391

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,331.39

09/30/2021

3.836%

Employed

Permanent Resident Alien

58140

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$21,271.25

10/25/2021

3.599%

Self-Employed

US Citizen

60283

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,055.00

11/04/2021

3.448%

Self-Employed

US Citizen

57392

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$13,620.00

10/04/2021

3.685%

Unemployed

US Citizen

58141

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,470.00

11/05/2021

3.996%

Self-Employed

US Citizen

58142

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$17,790.00

11/01/2021

3.226%

Self-Employed

US Citizen

58143

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$7,675.00

11/10/2021

4.112%

Self-Employed

US Citizen

57393

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

58144

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

10/01/2021

0.00%

Not Required

US Citizen

58145

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

58146

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

60284

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,398.40

10/29/2021

4.085%

Self-Employed

US Citizen

61362

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$11,205.18

10/22/2021

3.403%

Self-Employed

US Citizen

Yes

$13,645.55

57394

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$4,495.50

10/14/2021

5.072%

Self-Employed

US Citizen

57803

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,970.00

10/22/2021

4.125%

Self-Employed

Employed

US Citizen

58147

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$98,045.00

11/03/2021

3.339%

Not Required

US Citizen

57804

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$4,620.00

10/20/2021

3.264%

Self-Employed

US Citizen

58148

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$18,821.40

11/12/2021

4.087%

Self-Employed

US Citizen

58149

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

11/05/2021

0.00%

Self-Employed

Unemployed

US Citizen

58150

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

10/06/2021

0.00%

Employed

Not Required

US Citizen

57805

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$26,856.50

10/26/2021

4.755%

Self-Employed

US Citizen

58152

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,870.00

10/15/2021

3.986%

Self-Employed

US Citizen

61363

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62113

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

Permanent Resident Alien

57806

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,805.00

11/04/2021

5.391%

Self-Employed

US Citizen

58153

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$8,505.00

10/28/2021

4.686%

Self-Employed

Unemployed

US Citizen

57807

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$26,965.00

10/21/2021

3.645%

Self-Employed

US Citizen

57808

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,525.00

10/28/2021

5.993%

Self-Employed

US Citizen

58157

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,122.00

10/21/2021

4.501%

Self-Employed

US Citizen

58158

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,172.00

11/02/2021

4.243%

Self-Employed

Not Required

US Citizen

58159

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$28,020.00

11/01/2021

4.669%

Self-Employed

US Citizen

57809

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$5,660.00

11/02/2021

4.672%

Not Required

US Citizen

61364

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,880.00

10/26/2021

4.001%

Self-Employed

Not Required

US Citizen

57810

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

10/12/2021

0.00%

Not Required

US Citizen

62770

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$45,382.50

11/05/2021

4.194%

Self-Employed

US Citizen

58160

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,535.00

10/25/2021

3.076%

Self-Employed

Not Required

US Citizen

58161

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

10/25/2021

0.00%

Not Required

US Citizen

60287

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,572.00

11/05/2021

4.604%

Employed

Non Permanent Resident Alien

62771

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

58162

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

58163

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$78,215.00

11/05/2021

4.432%

Self-Employed

Not Required

US Citizen

57811

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62114

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62115

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62116

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

57812

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$12,120.00

11/04/2021

4.31%

Self-Employed

Unemployed

US Citizen

62117

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

57395

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

62118

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

62119

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

57396

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Unemployed

US Citizen

57397

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

61365

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

58164

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,513.75

11/04/2021

3.849%

Self-Employed

US Citizen

58165

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$8,674.64

11/03/2021

3.98%

Self-Employed

US Citizen

58166

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$14,055.00

10/27/2021

4.362%

Self-Employed

US Citizen

57813

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$22,795.00

10/25/2021

3.481%

Self-Employed

US Citizen

Yes

$25,581.83

58167

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

57814

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$21,420.00

10/29/2021

4.869%

Self-Employed

Unemployed

US Citizen

61366

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

US Citizen

57815

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$15,645.00

10/21/2021

3.643%

Self-Employed

US Citizen

60289

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$62,202.00

11/29/2021

4.08%

Self-Employed

US Citizen

61367

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$11,552.00

10/21/2021

4.006%

Employed

Self-Employed

US Citizen

58168

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$52,800.00

10/21/2021

3.805%

Self-Employed

US Citizen

60290

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$2,120.00

11/01/2021

3.268%

Self-Employed

Unemployed

US Citizen

58169

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$16,610.00

11/05/2021

3.37%

Self-Employed

Permanent Resident Alien

60291

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$13,870.00

11/12/2021

4.087%

Employed

Permanent Resident Alien

62772

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

61368

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

Permanent Resident Alien

61369

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

58170

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$1,890.00

10/27/2021

3.938%

Self-Employed

US Citizen

58172

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$3,195.00

10/26/2021

5.958%

Self-Employed

US Citizen

61370

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,300.00

11/05/2021

4.218%

Self-Employed

Unemployed

US Citizen

60292

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$5,670.00

10/27/2021

3.592%

Self-Employed

US Citizen

Yes

$63,139.98

58173

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$6,620.00

10/28/2021

5.87%

Self-Employed

US Citizen

60293

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$9,537.75

11/05/2021

3.947%

Self-Employed

Retired

US Citizen

61371

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$11,891.25

11/15/2021

3.874%

Self-Employed

Permanent Resident Alien

61372

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

Non Permanent Resident Alien

61373

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Self-Employed

Not Required

US Citizen

61374

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

61375

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$5,799.76

11/05/2021

3.37%

Self-Employed

US Citizen

61376

XXXXXXXX

Exempt

N/A

XXXXXXXXXX

0.00%

Not Required

US Citizen

58174

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,462.50

11/05/2021

4.307%

Self-Employed

US Citizen

61377

XXXXXXXX

Non-QM

N/A

XXXXXXXXXX

$10,529.06

11/10/2021

4.806%

Self-Employed

Unemployed

US Citizen

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.22

Redacted Loan ID	Customer Loan ID	Seller Loan ID	Seller Name	Originator Name	Guideline Author	Loan Program	Loan Program Date	Documentation Type	Executed NOO Docs in File	Lease In Place Flag	Actual In Place Rent	Third Party Market Rent Estimate	Third Party Rent Source	Rental Source for Property DTI Calculation	Property DTI	Investor DTI	DSCR	Total DSCR	PITIA	Lease End Date	Original Lease Term	Is Lease Month To Month	Rent Loss Insurance	Rent Loss Insurance Amount	Actual Loss Amount	HOA Flag	HOA Monthly Premium Amount	Monthly Property Tax	Monthly Insurance Cost	Asset Verification	Blanket Mortgage Flag	Number of Mortgaged Properties With Lender	Number of Properties	Foreign National Alternative Credit Documentation	Foreign National Borrower 1	Foreign National Borrower 2	Investor Type	Months Reserves	Number of Years Property Owned	Borrower Residency Status	Co Borrower Residency Status	Qualifying Credit Score	Months Bankruptcy 7 11	Months Bankruptcy 13	Months Deed in Lieu	Months Short Sale or Pre FC	Prior Mtg Rent Late 30d in 12m	Prior Mtg Rent Late 60d in 12m	Prior Mtg Rent Late 90d in 12m	Prior Mtg Rent Late 30d in 24m	Prior Mtg Rent Late 60d in 24m	Prior Mtg Rent Late 90d in 24m	Section 8	Street Address	Borrower 1 Type	Borrower 1 Designation	Borrower 1 First Name	Borrower 1 Last Name	Borrower 2 Type	Borrower 2 Designation	Borrower 2 First Name	Borrower 2 Last Name	Borrower 3 Designation	Borrower 3 First Name	Borrower 3 Last Name	Borrower 4 Designation	Borrower 4 First Name	Borrower 4 Last Name	Personal Guarantee	Guarantor 1 First Name	Guarantor 1 Last Name	Guarantor 1 Number of Mortgaged Properties	Guarantor 1 Citizenship	Guarantor 1 Asset Verification Level	Guarantor 1 Experian FICO	Guarantor 1 Equifax FICO	Guarantor 1 Trans Union FICO	Guarantor 2 First Name	Guarantor 2 Last Name	Guarantor 2 Number of Mortgaged Properties	Guarantor 2 Citizenship	Guarantor 2 Asset Verification Level	Guarantor 2 Experian FICO	Guarantor 2 Equifax FICO	Guarantor 2 Trans Union FICO	Borrower 1 Employment Status	Borrower 2 Employment Status	Loan Application Date	Sales Contract Date	Qualifying Home Value for LTV	Number of Units	Year Built	Total Sq Ft	Number of Bedrooms	Number of Bathrooms	Property Condition	Acquisition Cost	Renovation Cost	Effective Gross Income	Turnover Costs	Repairs and Maintenance	Marketing and Leasing Costs	Utilities	Other Costs	Cap Ex Reserve
60462	XXXXXXXXXX	XXXXXXXXXX	XXXX	Wholesale Mortgage Bankers (XXXX)		DSCR- Investor NOO	20210920	Debt Service Coverage	Yes	No	$0.00	$3,200.00	FNMA 1007/216	FNMA 1007/216			0.9	0.9	$3,555.30				No			NO	$0.00	$922.58	$67.43	Stated, Verified	NO	2	6		No	No	Experienced	187	0.33	US Citizen		788	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXX	XXXXX																	0	0	0						0	0	0	Not Required		20210916	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	3	C3	$XXXX	$0.00
60460	XXXXXXXXXX	XXXXXXXXXX		Wholesale Mortgage Bankers (XXXX)		DSCR- Investor NOO	20211026	Debt Service Coverage	Yes	No	$0.00	$2,900.00	FNMA 1007/216	FNMA 1007/216			1.07	1.07	$2,706.68				Yes	$46,500.00		NO	$0.00	$668.37	$89.75	Stated, Verified	NO		3		No	No	Experienced	14	0.9	US Citizen		779	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXX	Individual	Individual	XXXXXXX	XXXX																	0	0	0						0	0	0	Unemployed		20210927	XX/XX/XXXX	$XXXX	1	XXXX		4	2.1	C4	$XXXX	$0.00
61349	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Montage Prime	20210610	Full	Yes	No	$0.00	$5,200.00	FNMA 1007/216		27.517				$3,912.14				Yes	$0.00	Yes	NO	$0.00	$2,124.92	$214.17	Stated, Verified	NO		2		No	No	Inexperienced	118	15	US Citizen	US Citizen	783	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXXX	Individual	Individual	XXXXXXX	XXXX													0	0	0						0	0	0	Employed	Employed	20211103	XX/XX/XXXX	$XXXX	2	XXXX	XXXX	4	5	C3	$XXXX	$0.00
61350	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed IO	20211202	Debt Service Coverage	Yes	No	$0.00	$5,300.00	FNMA 1007/216	FNMA 1007/216			1.04	1.04	$5,107.86				Yes	$200,000.00		NO	$0.00	$1,142.42	$264.92	Stated, Verified	NO	1	9		No	No	Experienced	72	5.6	US Citizen	US Citizen	799	0	0			0	0	0	0				XXXXXXXXXXXX	Primary	Primary	XXX	XXXX	Co-Borrower	Co-Borrower	XXX	XX													0	0	0						0	0	0	Not Required	Not Required	20211103	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	3	C3	$XXXX	$0.00
61352	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed	20210610	NORATIO	Yes	No	$0.00	$6,450.00	FNMA 1007/216	FNMA 1007/216			0	0	$4,326.44				Yes	$37,900.00		NO	$0.00	$1,083.90	$294.50	Stated, Verified	NO	1	5		No	No	Inexperienced	154	3	US Citizen		699	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXX	XXXXXXXXX																	0	0	0						0	0	0	Not Required		20211104		$XXXX	4	XXXX	XXXX	5	4	C4	$XXXX	$0.00
62097	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Montage Prime	20211213	Full	Yes	No	$0.00	$0.00			49.545				$4,164.28				Yes	$12,500.00		YES	$733.00	$731.87	$30.66	Stated, Verified	NO	1	7		No	No	Experienced	228	14	US Citizen	US Citizen	728	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXXXX	Co-Borrower	Co-Borrower	XXXXX	XXXXXXXXX													0	0	0						0	0	0	Employed	Employed	20211111	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C4	$XXXX	$0.00
62098	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed	20211202	Debt Service Coverage	Yes	No	$0.00	$1,750.00	FNMA 1007/216	FNMA 1007/216			1.01	1.01	$1,741.05				Yes	$25,000.00		YES	$16.67	$290.36	$56.75	Stated, Verified	NO	1	3		No	No	Experienced	461	3	US Citizen		750	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXX																	0	0	0						0	0	0	Not Required		20211112	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C3	$XXXX	$0.00
61355	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed	20210610	Debt Service Coverage	Yes	No	$0.00	$5,200.00	FNMA 1007/216	FNMA 1007/216			1.25	1.25	$4,154.94				Yes	$0.00	Yes	NO	$0.00	$875.00	$89.07	Stated, Verified	NO	1	4		No	No	Experienced	172	2	US Citizen		790	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXX																	0	0	0						0	0	0	Not Required		20211112	XX/XX/XXXX	$XXXX	4	XXXX	XXXX	12	8.4	C1	$XXXX	$0.00
62099	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 40 Yr Fixed IO	20211202	Debt Service Coverage	Yes	No	$0.00	$2,600.00	FNMA 1007/216	FNMA 1007/216			1.09	1.09	$2,394.08				Yes	$0.00	Yes	YES	$85.00	$839.58	$64.83	Stated, Verified	NO	1	4		No	No	Experienced	259	4	US Citizen		733	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXXXXXX																	0	0	0						0	0	0	Not Required		20211110	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2.1	C1	$XXXX	$0.00
61359	XXXXXXXXX	XXXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed IO	20211202	NORATIO	Yes	No	$0.00	$7,800.00	FNMA 1007/216	FNMA 1007/216					$9,149.50				Yes	$146,400.00		NO	$0.00	$3,224.38	$99.08	Stated, Verified	NO		1		No	No	Experienced	520	10	US Citizen		796	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXX																	0	0	0						0	0	0	Retired		20211122	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	3	C2	$XXXX	$0.00
61360	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Montage Prime Plus 40 Yr Fixed IO	20210610	NORATIO	Yes	No	$0.00	$9,650.00	FNMA 1007/216	FNMA 1007/216					$7,610.54				Yes	$126,600.00		NO	$0.00	$2,187.50	$63.66	Stated, Verified	NO	1	8		No	No	Experienced	851	26	US Citizen	US Citizen	740	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXXXX	Co-Borrower	Co-Borrower	XXXXXXX	XXXXXXXXXXXXXXXX													0	0	0						0	0	0	Not Required	Not Required	20211206	XX/XX/XXXX	$XXXX	3	XXXX	XXXX	7	4.2	C4	$XXXX	$0.00
62758	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20220114	Debt Service Coverage	Yes	No	$0.00	$2,450.00	FNMA 1007/216	FNMA 1007/216			1.2	1.2	$2,047.47				Yes	$34,626.00		NO	$0.00	$417.00	$149.75	Stated, Verified	NO		3		No	No	Experienced	30	2	US Citizen		766	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXX																XXXXXXX	XXXXX		US Citizen	Stated, Verified	755	766	770									Not Required		20211207	XX/XX/XXXX	$XXXX	2	XXXX	XXXX	4	4	C3	$XXXX	$0.00
62764	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20211202	Debt Service Coverage	Yes	No	$0.00	$7,500.00	FNMA 1007/216	FNMA 1007/216			1.25	1.25	$6,007.53				Yes	$45,000.00		YES	$827.00	$1,171.89	$81.42	Stated, Verified	NO	1	3		No	No	Experienced	184	10	US Citizen		794	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXX																	0	0	0						0	0	0	Not Required		20211216	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C3	$XXXX	$0.00
62765	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Montage Prime 30 Yr Fixed	20211206	Full	Yes	No	$0.00	$4,100.00	FNMA 1007/216	FNMA 1007/216	25.292				$5,701.86				Yes	$80,000.00		YES	$440.00	$881.69	$582.39	Stated, Verified	NO	1	2		No	No	Experienced	23	1.1	US Citizen	US Citizen	772	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXX																XXXXXXXX	XXXXXXXX		US Citizen	Stated, Verified	780	772	769	XXXXXXX	XXXXXXXX		US Citizen	Stated, Verified	784	789	779	Employed	Employed	20211222	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	6	6.1	C3	$XXXX	$0.00
63363	XXXXXXXXX	XXXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20220114	Debt Service Coverage	Yes	No	$0.00	$5,000.00	FNMA 1007/216	FNMA 1007/216			1.03	1.03	$4,586.48				Yes	$30,000.00		YES	$1,260.00	$1,129.71	$179.82	Stated, Verified	NO	1	5		No	No	Experienced	38	16	US Citizen	US Citizen	773	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXX																XXXXXXX	XXXX		US Citizen	Stated, Verified	791	790	798	XXXXXXXXX	XXXXXXXXXXXX		US Citizen	Stated, Verified	774	773	750	Not Required	Not Required	20211227	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C2	$XXXX	$0.00
63367	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 40 Yr Fixed IO	20211130	Debt Service Coverage	Yes	No	$0.00	$2,000.00	FNMA 1007/216	FNMA 1007/216			1.12	1.12	$1,781.86				Yes	$32,000.00		NO	$0.00	$472.35	$62.01	Stated, Verified	NO		6		No	No	Experienced	269	30	US Citizen		788	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXX																XXXXX	XXXXX		US Citizen	Stated, Verified	763	788	790									Not Required		20220111	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C3	$XXXX	$0.00
63370	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 40 Yr Fixed IO	20220114	Debt Service Coverage	Yes	No	$0.00	$2,400.00	FNMA 1007/216	FNMA 1007/216			1.09	1.09	$2,204.96				Yes	$0.00	Yes	YES	$40.00	$774.75	$77.92	Stated, Verified	NO	1	9		No	No	Experienced	805	4.4	Permanent Resident Alien		733	0	0			0	0						XXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXXXXXX																	0	0	0						0	0	0	Not Required		20220118	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	3	C1	$XXXX	$0.00
63372	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed IO	20210610	Debt Service Coverage	Yes	No	$0.00	$3,200.00	FNMA 1007/216	FNMA 1007/216			0.8	0.8	$4,023.34				Yes	$133,800.00		YES	$40.00	$1,081.49	$149.25	Stated, Verified	NO		2		No	No	Experienced	21	15	US Citizen		694	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXX	XXXX																	0	0	0						0	0	0	Not Required		20220201	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	5	3.1	C3	$XXXX	$0.00
64023	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 7/6 Mo SOFR ARM IO	20220114	Debt Service Coverage	Yes	No	$0.00	$3,300.00	FNMA 1007/216	FNMA 1007/216			1.56	1.56	$2,109.53				Yes	$36,000.00		NO	$0.00	$568.49	$242.08	Stated, Verified	NO		2		No	No	Experienced	122	0	US Citizen		790	0	0			0	0	0					XXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXX	XXXXXXXXX																	0	0	0						0	0	0	Not Required		20220208	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	3.1	C4	$XXXX	$0.00
64025	XXXXXXXXX	XXXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Montage Prime Plus 40 Yr Fixed IO	20220114	Full	Yes	Yes	$10,985.00	$11,900.00	FNMA 1007/216	Leases	33.113		0	0	$9,297.32	20220930	12	No	Yes	$140,100.00		NO	$0.00	$2,015.63	$250.44	Stated, Verified	NO	0	2		No	No	Experienced	18	7.6	US Citizen		783	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXX																XXXXXXXX	XXX		US Citizen	Stated, Verified	783	773	787									Employed		20220211	XX/XX/XXXX	$XXXX	4	XXXX	XXXX	14	7	C3	$XXXX	$0.00
64026	XXXXXXXXX	XXXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 7/6 Mo SOFR ARM IO 40 Yr	20220114	Debt Service Coverage	Yes	Yes	$1,850.00	$4,300.00	FNMA 1007/216	FNMA 1007/216			0.79	0.79	$5,431.84	20220930	12	No	Yes	$47,700.00		NO	$0.00	$1,041.67	$140.17	Stated, Verified	NO	1	9		No	No	Experienced	107	30	US Citizen		800	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXXXXX																	0	0	0						0	0	0	Not Required		20220301	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C3	$XXXX	$0.00
64028	XXXXXXXXX	XXXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 40 Yr Fixed IO	20211202	Debt Service Coverage	Yes	No	$0.00	$2,800.00	FNMA 1007/216	FNMA 1007/216			0.93	0.93	$3,012.83				Yes	$0.00	Yes	YES	$14.58	$1,065.02	$136.83	Stated, Verified	NO		10		No	No	Experienced	495	4	Permanent Resident Alien		725	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXXXXXX																	0	0	0						0	0	0	Not Required		20220214	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	3	C4	$XXXX	$0.00
56087	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed IO	20210610	Debt Service Coverage	Yes	No	$0.00	$3,250.00	FNMA 1007/216	FNMA 1007/216			1.18	1.18	$2,765.58				Yes	$35,000.00		NO	$0.00	$590.00	$275.58	Stated, Verified	NO		3		No	No	Experienced	149	2	US Citizen		703	0	0										XXXXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXXX	XXXXXX																	0	0	0						0	0	0	Unemployed		20210817	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C3	$XXXX	$0.00
49064	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Montage Prime Plus 30 Yr Fixed	20210216	Full	Yes	No	$3,000.00	$3,000.00	FNMA 1007/216	1007	46.683				$12,920.15				Yes	$10,000.00		NO	$0.00	$1,940.00	$1,122.61	Stated, Verified	NO				No	No	Experienced	96.07	1	US Citizen		731	0	0										XXXXXXXXXXXXXXX	Individual	Individual	XXXXXX	XXXXXX																	0	0	0						0	0	0	Employed		20210303	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	3	C3	$XXXX	$0.00
49073	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed		Debt Service Coverage	Yes	Yes	$16,250.00	$18,000.00	FNMA 1007/216	Lease			1.24	1.24	$13,059.84	20210731	12		Yes	$160,000.00		NO	$0.00	$2,202.75	$1,482.83	Stated, Verified	NO				No	No		59.99	2.8	US Citizen		759	0	0			0	0	0	1	0	0		XXXXXXXXXXXXXXXXXXX																					0	0	0						0	0	0	Unemployed		20210414	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	5	6.1	C2	$XXXX	$0.00
49636	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed		NORATIO	Yes	No	$0.00	$4,000.00	FNMA 1007/216	1007			0.66	0.66	$5,443.62				Yes	$36,000.00		YES	$1,163.00	$594.11	$65.67	Stated, Verified	NO				No	No	Experienced	10.64	0	US Citizen		780	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXX	Individual	Individual	XXXXXXX	XXXX																	0	0	0						0	0	0	Employed		20210416	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C3	$XXXX	$0.00
49632	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Apex Prime Plus 30 Yr Fixed	20210319	ALTDOC	Yes	No	$0.00	$3,150.00	FNMA 1007/216	FNMA 1007/216	21.394				$2,667.35				Yes	$17,760.00		NO	$0.00	$572.92	$576.50	Stated, Verified	NO				No	No	Experienced	112.14	17	US Citizen		751	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXX	Individual	Individual	XXXXXXXX	XXXXXXXX																	0	0	0						0	0	0	Employed		20210419	XX/XX/XXXX	$XXXX	2	XXXX	XXXX	3	3	C3	$XXXX	$0.00
50726	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20210610	Debt Service Coverage	Yes	Yes	$2,130.00	$3,100.00	FNMA 1007/216	Lease			0.87	0.87	$2,459.70		1	Yes	Yes	$43,100.00		NO	$0.00	$560.42	$101.33	Stated, Verified	NO				No	No	Experienced	16.54	18	US Citizen		775	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXX																XXXXXXXX	XXX		US Citizen	Stated, Verified	775	800	764									Employed		20210518	XX/XX/XXXX	$XXXX	2	XXXX	XXXX	5	3	C3	$XXXX	$0.00
50727	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Apex Prime Plus 30 Yr Fixed	20210610	ALTDOC	Yes	No	$0.00	$2,300.00	FNMA 1007/216	FNMA 1007/216	23.508				$1,668.42				Yes	$27,600.00		NO	$0.00	$379.30	$245.83	Stated, Verified	NO	6	10		No	No		267.36	17	US Citizen		751	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXX	XXXXXXXX																	0	0	0						0	0	0	Employed		20210518	XX/XX/XXXX	$XXXX	2	XXXX	XXXX	3	2	C3	$XXXX	$0.00
50732	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Spectrum No Ratio 30 Yr Fixed IO	20210610	Debt Service Coverage	Yes	No	$0.00	$10,500.00	FNMA 1007/216	1007			1.07	1.07	$9,790.86				Yes	$360,426.00		NO	$0.00	$3,593.75	$267.42	Stated, Verified	NO	1	3		No	No	Experienced	229.02	27	US Citizen	US Citizen	806	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXX	Primary	Primary	XXXXXXX	XXXXXXXX	Co-Borrower	Co-Borrower	XXXXXXXX	XXXXXXXXX													0	0	0						0	0	0	Unemployed	Unemployed	20210527	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	3	C4	$XXXX	$0.00
52371	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20210610	Debt Service Coverage	Yes	No	$0.00	$10,500.00	FNMA 1007/216	Appraisal			1.27	1.27	$8,251.44				No			NO	$0.00	$1,868.85	$1,434.00	Stated, Verified	NO				No	No	Experienced	76	19	US Citizen	US Citizen	705	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXX	XXXXX	Co-Borrower	Co-Borrower	XXXXX	XXXXX													0	0	0						0	0	0	Other	Other	20210621	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	5	5.1	C3	$XXXX	$0.00
52372	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Apex Prime Plus 30 Yr Fixed	20210610	ALTDOC	Yes	No	$0.00	$3,400.00	FNMA 1007/216	Appraisal	20.517				$5,572.97				Yes	$60,000.00		YES	$430.00	$911.46	$90.75	Stated, Verified	NO	4	4		No	No	Experienced	23	0.7	US Citizen		694	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX																XXXXXXX	XXXX		US Citizen	Stated, Verified	694	725	684									Employed		20210622	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C3	$XXXX	$0.00
54194	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Apex Prime Plus 30 Yr Fixed	20210610	ALTDOC	Yes	No	$0.00	$10,100.00	FNMA 1007/216	FNMA 1007/216	26.28				$7,570.08				Yes	$30,000.00		NO	$0.00	$582.64	$138.95	Stated, Verified	NO		6		No	No	Experienced	524	5	US Citizen	US Citizen	721	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXX																XXXXXXXX	XXXX		US Citizen	Stated, Verified	721	722	708	XXXXXX	XXXXXXXXX		US Citizen	Stated, Verified	796	786	779	Other	Unemployed	20210624	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C3	$XXXX	$0.00
52376	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20210319	Debt Service Coverage	Yes	No	$0.00	$2,150.00	FNMA 1007/216	FNMA 1007/216			1.16	1.16	$1,858.69				Yes	$15,000.00		YES	$441.00	$346.86	$39.75	Stated, Verified	NO		4		No	No	Experienced	292	8	US Citizen		720	0	0										XXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXXX	XXXXXXX																	0	0	0						0	0	0	Employed		20210708	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C3	$XXXX	$0.00
53390	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed	20210610	NORATIO	Yes	No	$0.00	$10,500.00	FNMA 1007/216	FNMA 1007/216			0	0	$7,338.15				Yes	$65,000.00		NO	$0.00	$1,071.04	$1,017.00	Stated, Verified	NO		2		No	No	Inexperienced	138	2	Permanent Resident Alien		759	0	0			1	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXXXXX																	0	0	0						0	0	0	Other		20210716	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	4	C3	$XXXX	$0.00
53392	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Montage Prime	20210610	Full	Yes	No	$0.00	$8,000.00	FNMA 1007/216	FNMA 1007/216	38.128				$5,354.99				Yes	$0.00	Yes	YES	$762.00	$1,250.00	$101.18	Stated, Verified	NO		5		No	No	Experienced	385	2	US Citizen		752	0	0			0	0	0	0	0	0		XXXXXXXXXXXX																XXXXXXX	XXXX		US Citizen	Stated, Verified	737	752	752									Employed		20210716	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	4.1	C3	$XXXX	$0.00
56095	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed IO	20210610	Debt Service Coverage	Yes	No	$0.00	$3,950.00	FNMA 1007/216	FNMA 1007/216			1.86	1.86	$2,118.35				Yes	$4,000.00		YES	$861.00	$130.77	$78.58	Stated, Verified	NO		3		No	No	Inexperienced	29	5	US Citizen		743	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXX	XXXXXX																	0	0	0						0	0	0	Unemployed		20210728	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C2	$XXXX	$0.00
55416	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines		20210610	Full	Yes	No	$0.00	$4,200.00	FNMA 1007/216	FNMA 1007/216	37.294				$3,961.63				Yes	$75,000.00		YES	$165.00	$878.13	$178.75	Stated, Verified	NO	1	1		No	No	Inexperienced	199	3	US Citizen			0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXX																	0	0	0						0	0	0	Employed		20210803	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	5	4.1	C3	$XXXX	$0.00
56098	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 5/6 Mo SOFR ARM IO	20210610	NIVA	Yes	No	$0.00	$2,600.00		FNMA 1007/216			0	0	$3,403.42				Yes	$31,200.00		NO	$0.00	$425.66	$134.58	Stated, Verified	NO	1	1		No	No	Experienced	27	0.1	US Citizen		729	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX	Individual	Individual	XXXXXXXXX	XXXXXXXX																	0	0	0						0	0	0	Unemployed		20210804	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C3	$XXXX	$0.00
57361	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Spectrum No Ratio 5/6 Mo SOFR ARM IO 40 Yr	20211013	Debt Service Coverage	Yes	No	$0.00	$3,435.00	FNMA 1007/216	FNMA 1007/216			1.01	1.01	$3,399.30				Yes	$18,000.00		YES	$0.01	$447.46	$204.33	Stated, Verified	NO		2		No	No	Experienced	11	1	US Citizen	US Citizen	691	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXX	Co-Borrower	Co-Borrower	XXXXX	XXXX													0	0	0						0	0	0	Unemployed	Unemployed	20210806	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C3	$XXXX	$0.00
55419	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Apex Prime Plus 40 Yr Fixed IO	20210610	ALTDOC	Yes	No	$0.00	$3,200.00	FNMA 1007/216	FNMA 1007/216	48.81		0	0	$4,915.39				Yes	$39,500.00		NO	$0.00	$937.50	$57.58	Stated, Verified	NO		9		No	No		45	8	US Citizen		716	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXX																XXXXXX	XXXXXXX		US Citizen	Stated, Verified	697	755	716									Employed		20210810	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C3	$XXXX	$0.00
55420	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Montage Prime	20210610	ALTDOC	Yes	No	$0.00	$3,300.00	FNMA 1007/216		38.216				$4,572.55				Yes	$182,760.00		NO	$0.00	$916.67	$109.08	Stated, Verified	NO	1	3		No	No	Experienced	26	14	US Citizen	US Citizen		0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXX	Co-Borrower	Co-Borrower	XXXXXXXXX	XXXXX													0	0	0						0	0	0	Employed	Employed	20210811	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C4	$XXXX	$0.00
57363	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Apex Prime Plus 30 Yr Fixed	20210610	REDDOC	Yes	No	$0.00	$11,000.00	FNMA 1007/216	FNMA 1007/216	5.843				$11,131.69				Yes	$523,136.00		YES	$83.33	$2,681.50	$867.92	Stated, Verified	NO	1	2		No	No	Experienced	243	0.3	US Citizen		683	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXX																XXXXXXX	XXXX		US Citizen	Stated, Verified	720	683	670									Employed		20210819	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	6	5.2	C3	$XXXX	$0.00
56104	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20210610	Debt Service Coverage	Yes	No	$0.00	$3,100.00	FNMA 1007/216	FNMA 1007/216			0.92	0.92	$3,375.45				Yes	$106,400.00		NO	$0.00	$927.08	$64.42	Stated, Verified	NO		1		No	No	Experienced	7	1.3	US Citizen	US Citizen	776	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXXX	Co-Borrower	Co-Borrower	XXXXXXX	XXXXX													0	0	0						0	0	0	Unemployed	Unemployed	20210816	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	2	C3	$XXXX	$0.00
56105	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 40 Yr Fixed IO	20210610	Debt Service Coverage	Yes	No	$0.00	$2,900.00	FNMA 1007/216	FNMA 1007/216			1.57	1.57	$1,842.63				Yes	$29,312.00		NO	$0.00	$411.46	$66.17	Stated, Verified	NO		3		No	No	Experienced	80	0	US Citizen		779	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXX																	0	0	0						0	0	0	Unemployed		20210818	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C3	$XXXX	$0.00
57364	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed	20210610	NIVA	Yes	No	$0.00	$5,500.00		FNMA 1007/216			0	0	$6,458.47				Yes	$140,741.00		NO	$0.00	$1,487.50	$130.08	Stated, Verified	NO		1		No	No	Experienced	48	1	US Citizen	US Citizen	695	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXX																XXXXXXX	XXXXX		US Citizen	Stated, Verified	695	679	702	XXXXXXXXXX	XXXXXXX		US Citizen	Stated, Verified	773	773	788	Not Required	Not Required	20210819	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	6	4	C3	$XXXX	$0.00
56107	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Apex Prime Plus 5/6 Mo SOFR ARM	20210610	ALTDOC	Yes	No	$0.00	$2,900.00	FNMA 1007/216	FNMA 1007/216	22.941				$4,538.78				Yes	$70,800.00		NO	$0.00	$869.79	$69.35	Stated, Verified	NO		3		No	No	Experienced	15	9	US Citizen	US Citizen	782	0	0			0	0	0					XXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXXXXXXXXXXX	Co-Borrower	Co-Borrower	XXXXXXX	XXXXXXX													0	0	0						0	0	0	Employed	Unemployed	20210824	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	2	C4	$XXXX	$0.00
56109	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Spectrum No Ratio 40 Yr Fixed IO	20210610	Debt Service Coverage	Yes	No	$0.00	$2,225.00	FNMA 1007/216	FNMA 1007/216			0.81	0.81	$2,736.29				No			YES	$82.48	$890.50	$102.00	Stated, Verified	NO		5		No	No	Experienced	246	4.9	Permanent Resident Alien		743	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXXXXXX																	0	0	0						0	0	0	Unemployed		20210824	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	3	C1	$XXXX	$0.00
56111	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed IO	20210610	Debt Service Coverage	Yes	No	$0.00	$4,400.00	FNMA 1007/216	FNMA 1007/216			1	1	$4,398.72				Yes	$61,700.00		YES	$80.00	$1,317.15	$129.92	Stated, Verified	NO		2		No	No	Experienced	37	4	US Citizen		795	0	0										XXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXXXXXXX																	0	0	0						0	0	0	Unemployed		20210827		$XXXX	1	XXXX	XXXX	4	2.1	C3	$XXXX	$0.00
57370	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed	20210610	NORATIO	Yes	No	$0.00	$3,900.00					0	0	$5,167.93				Yes	$42,200.00		NO	$0.00	$1,416.67	$67.92	Stated, Verified	NO		2		No	No	Experienced	162	4	US Citizen		800	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXX																XXXXXX	XXXX		US Citizen	Stated, Verified	809	778	800									Unemployed		20210901	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	3	C3	$XXXX	$0.00
56112	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Montage Prime	20210610	REDDOC	Yes	No	$0.00	$10,100.00	FNMA 1007/216	FNMA 1007/216	28.631				$18,721.58				Yes	$147,920.00		NO	$0.00	$3,463.54	$154.85	Stated, Verified	NO		2		No	No	Experienced	12	8	US Citizen	US Citizen		0	0			0	0	0					XXXXXXXXXXXXXXXXXX																XXXXXX	XXXX		US Citizen	Stated, Verified	775	781	791	XXXX	XXXXXXX		US Citizen	Stated, Verified	778	806	812	Employed	Employed	20210902	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	5	6.1	C2	$XXXX	$0.00
56115	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 5/6 Mo SOFR ARM IO	20210610	Debt Service Coverage	Yes	No	$0.00	$3,450.00	FNMA 1007/216	FNMA 1007/216			0.84	0.84	$4,121.56				Yes	$0.00	Yes	NO	$0.00	$1,052.08	$50.00	Stated, Verified	NO		2		No	No	Experienced	62	0	US Citizen	US Citizen	777	0	0			0	0	0					XXXXXXXXXXXXXXXXX																XXXXXXXX	XXXXXXXX		US Citizen	Stated, Verified	796	799	802	XXXXXXXX	XXXXXXXX		US Citizen	Stated, Verified	777	771	788	Employed	Employed	20210903		$XXXX	1	XXXX	XXXX	2	1	C4	$XXXX	$0.00
56116	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	CN-AP-A56	20210610	ALTDOC	Yes	No	$0.00	$3,300.00	FNMA 1007/216	FNMA 1007/216	48.598				$4,276.07				Yes	$31,600.00		NO	$0.00	$864.58	$47.10	Stated, Verified	NO		2		No	No	Experienced	16	5	US Citizen	US Citizen		0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XX	Co-Borrower	Co-Borrower	XXXX	XXXXX													0	0	0						0	0	0	Employed	Unemployed	20210903	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	2	C4	$XXXX	$0.00
57791	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20210610	Debt Service Coverage	Yes	No	$0.00	$1,650.00	FNMA 1007/216	FNMA 1007/216			1.01	1.01	$1,635.11				Yes	$21,810.00		NO	$0.00	$238.50	$302.17	Stated, Verified	NO		1		No	No	Experienced	15	0.6	US Citizen		689	0	0										XXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXXXXXXX																	0	0	0						0	0	0	Not Required		20210909	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	1	C3	$XXXX	$0.00
56118	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)		Spectrum No Ratio 40 Yr Fixed IO	20211202	Debt Service Coverage	Yes	No	$0.00	$1,900.00	FNMA 1007/216	FNMA 1007/216			0.79	0.79	$2,399.46				Yes	$122,767.00		NO	$0.00	$473.96	$67.58	Stated, Verified	NO	1	3		No	No	Experienced	45	2	US Citizen		711	0	0										XXXXXXXXXXXXXXXXX	Individual	Individual	XXXXXXXXX	XXXXXXX																	0	0	0						0	0	0	Not Required		20210914	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C3	$XXXX	$0.00
58134	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Montage Prime 30 Yr Fixed	20210610	Full	Yes	No	$0.00	$7,100.00	FNMA 1007/216		44.594		0	0	$9,862.53				Yes	$125,000.00		YES	$2,616.00	$1,424.12	$168.25	Stated, Verified	NO	1	8		No	No	Experienced	30	4	US Citizen	Permanent Resident Alien	803	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXXXX	Co-Borrower	Co-Borrower	XXXXXX	XXXXXXXXX													0	0	0						0	0	0	Employed	Unemployed	20210913	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C3	$XXXX	$0.00
57386	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20210610	Debt Service Coverage	Yes	No	$0.00	$2,000.00	FNMA 1007/216	FNMA 1007/216			1.24	1.24	$1,617.37				Yes	$40,700.00		YES	$50.00	$192.17	$42.08	Stated, Verified	NO	1	3		No	No	Experienced	18	4	US Citizen		775	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXX	XXXXX																	0	0	0						0	0	0	Unemployed		20210920	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2.1	C3	$XXXX	$0.00
57799	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20210610	Debt Service Coverage	Yes	No	$0.00	$2,995.00	FNMA 1007/216	FNMA 1007/216			0.83	0.83	$3,616.33				Yes	$75,000.00		NO	$0.00	$438.08	$412.92	Stated, Verified	NO		1		No	No	Inexperienced	83	1.5	US Citizen		795	0	0										XXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXXX	XXXXXXXXXX																	0	0	0						0	0	0	Not Required		20210924	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	2.1	C3	$XXXX	$0.00
57801	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Apex Prime 30 Yr Fixed	20210601	REDDOC	Yes	No	$0.00	$2,195.00	FNMA 1007/216	FNMA 1007/216	44.061		0	0	$2,646.33				Yes	$10,000.00		YES	$467.20	$427.08	$65.67	Stated, Verified	NO		2		No	No	Inexperienced	85	3	US Citizen		728	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXX																					0	0	0						0	0	0	Employed		20210927	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	1	1	C4	$XXXX	$0.00
57393	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Spectrum No Ratio 40 Yr Fixed IO	20211104	Debt Service Coverage	Yes	No	$0.00	$3,700.00	FNMA 1007/216	Leases			1.17	1.17	$3,715.81				Yes	$25,000.00		YES	$561.00	$915.62	$60.00	Stated, Verified	NO		2		No	No	Experienced	37	1.1	US Citizen		777	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXXX	XXXXX																	0	0	0						0	0	0	Not Required		20210928	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2.1	C3	$XXXX	$0.00
62113	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 40 Yr Fixed IO	20211202	Debt Service Coverage	Yes	No	$0.00	$2,200.00	FNMA 1007/216	FNMA 1007/216			1.33	1.33	$1,655.60				Yes	$0.00	Yes	YES	$50.00	$226.67	$87.17	Stated, Verified	NO	7	8		No	No	Experienced	306	4	Permanent Resident Alien		733	0	0										XXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXX	XXXXXXXX																	0	0	0						0	0	0	Not Required		20211006	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	3	C1	$XXXX	$0.00
57810	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 40 Yr Fixed IO	20210610	Debt Service Coverage	Yes	No	$0.00	$5,400.00	FNMA 1007/216	FNMA 1007/216			1.01	1.01	$5,349.17				No			NO	$0.00	$1,281.25	$68.67	Stated, Verified	NO		7		No	No	Experienced	107	12	US Citizen		749	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXX																XX	XXXXX		US Citizen	Stated, Verified	721	749	751									Not Required		20211009		$XXXX	1	XXXX	XXXX	3	2	C4	$XXXX	$0.00
58161	XXXXXXXX	XXXXXXXX	XXXX	Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed	20210610	Debt Service Coverage	Yes	No	$0.00	$2,195.00	FNMA 1007/216	FNMA 1007/216			1.14	1.14	$1,928.35				Yes	$37,700.00		NO	$0.00	$139.27	$67.17	Stated, Verified	NO	1	6		No	No	Experienced	10	2	US Citizen		647	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXX	XXXXXX																	0	0	0						0	0	0	Not Required		20211013	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	2.1	C4	$XXXX	$0.00
57811	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 5/6 Mo SOFR ARM IO 40 Yr	20210610	Debt Service Coverage	Yes	No	$0.00	$30,000.00	FNMA 1007/216	FNMA 1007/216			1.14	1.14	$26,223.66				Yes			NO	$0.00	$5,791.67	$1,138.50	Stated, Verified	NO	1	1		No	No	Experienced	38	0	US Citizen		736	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX	Individual	Individual	XXXXX	XXXXXXXX																	0	0	0						0	0	0	Not Required		20211013	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	3.3	C2	$XXXX	$0.00
57395	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed IO	20210319	Debt Service Coverage	Yes	No	$0.00	$2,300.00	FNMA 1007/216	FNMA 1007/216			1.01	1.01	$2,283.00				Yes	$40,000.00		YES	$518.00	$453.13	$54.45	Stated, Verified	NO		3		No	No	Experienced	599	4	US Citizen		757	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXX																XXXXXXX	XXXX		US Citizen	Stated, Verified	742	757	801									Not Required		20211014	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2	C3	$XXXX	$0.00
61365	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed	20211203	Debt Service Coverage	Yes	No	$0.00	$3,200.00	FNMA 1007/216	FNMA 1007/216			1.45	1.45	$2,212.21				Yes	$0.00	Yes	YES	$101.00	$336.65	$161.00	Stated, Verified	NO	1	4		No	No	Experienced	36	5	US Citizen	US Citizen	793	0	0										XXXXXXXXXXXXXXXXXXXXXX																XXXXXXXXX	XXXXXX		US Citizen	Stated, Verified	815	793	783	XXXXXXXX	XXXXXXXXX		US Citizen	Stated, Verified	803	795	777	Not Required	Not Required	20211108	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	5	2.1	C3	$XXXX	$0.00
61368	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Apex Prime Bank Statement Guidelines	Apex Prime 30 Yr Fixed	20211130	ALTDOC	Yes	No	$0.00	$4,200.00	FNMA 1007/216	FNMA 1007/216	2.208				$3,892.43				Yes	$41,990.00		YES	$104.00	$475.17	$211.50	Stated, Verified	NO	1	2		No	No	Experienced	342	0	Permanent Resident Alien		727	0	0										XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX																XXXXXXXXXXXXXX	XXXXXX		Permanent Resident Alien	Stated, Verified	728	718	727									Employed		20211027	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	4	2	C3	$XXXX	$0.00
61372	XXXXXXXX	XXXXXXXX		Fund Loans (Default)	Montage Prime Guidelines	Spectrum No Ratio 30 Yr Fixed IO	20211213	Debt Service Coverage	Yes	No	$0.00	$3,300.00	FNMA 1007/216	FNMA 1007/216			1.01	1.01	$3,266.75				Yes	$33,510.00		NO	$0.00	$351.42	$170.33	Stated, Verified	NO	2	5		No	No	Experienced	97	0.6	Non Permanent Resident Alien		656	0	0			0	0	0	0	0	0		XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX	Primary	Primary	XXXXXX	XXXX																	0	0	0						0	0	0	Not Required		20211027	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	3	2	C2	$XXXX	$0.00
61376	XXXXXXXX	XXXXXXXX		Fund Loans (Default)		Spectrum No Ratio 30 Yr Fixed	20211202	Debt Service Coverage	Yes	No	$0.00	$3,500.00	FNMA 1007/216	FNMA 1007/216			1	1	$3,489.60				Yes	$30,000.00		YES	$350.00	$852.26	$73.65	Stated, Verified	NO	1	4		No	No	Experienced	102	2	US Citizen		809	0	0										XXXXXXXXXXXXXXXXXXXXXXX																					0	0	0						0	0	0	Not Required		20211028	XX/XX/XXXX	$XXXX	1	XXXX	XXXX	2	2.1	C4	$XXXX	$0.00

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.23

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TABLE OF CONTENTS

Infinity Biography	2
Description of the due diligence performed	3
Summary of findings and conclusions of review	13

Tape Integrity Review Results Summary	14

Additional Loan Population Summary	14

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INFINITY BIOGRAPHY

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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Description of the due diligence performed

(1) Type of assets that were reviewed.

Infinity IPS, Inc. (“Infinity”) performed due diligence services as described below (the “Review”). All of these mortgage loans, which were originated by multiple parties, were purchased by MFA Financial, Inc. (“Client”) and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of seventy (70) mortgage loans that were originally reviewed from October 2021 to December 2021.

(2) Sample size of the assets reviewed.

The mortgage loan review was broken down into the following review scopes:

“Compliance Review”: 70 Mortgage Loans

“Credit Review”: 70 Mortgage Loans

“Property Review” 70 Mortgage Loans

“Data Integrity” 70 Mortgage Loans

(3) Determination of the sample size and computation.

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

(4) Quality or integrity of information or data about the assets: review and methodology.

For seventy (70) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

Last Name	Loan Amount	Negative Amortization Flag	Sale Price
First Name	First Payment Date	IO Term	LTV
Occupancy	Original Rate	PP Terms	CLTV
Purpose	Original P&I	PP Months	Note Date
Address	Interest Only Flag	Next Rate Change Date	Current P&I
City	Margin	First Payment Change Date	Rate Index
State	1st Rate Change Date	Next Payment Change Date	Amortization Term
Zip	Prepay Months	Reset Frequency	Deferred Balance
Documentation Type	Next Due Date	Rounding Code	Balloon Fag
Lien Position	Property Units	Lookback Period	Borrower SSN
Credit Score	Maturity Date	Initial Roll Cap	Co-Borrower SSN
DTI	Mod Flag	Periodic Rate Cap
Property Type	Mod Date	Life Rate Cap
Appraised Value	Current Rate	Life Rate Floor

(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.

Infinity conducted a credit review for seventy (70) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

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There were 4 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

Credit Application: For the Credit Application, Infinity verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower’s employment history

Credit Report: Infinity’s review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower’s credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

Employment and Income: Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn’t fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

Asset Review: Infinity assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Infinity completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit (“VOD(s)”), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

Hazard/Flood Insurance/Taxes: A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender’s name and “its successors and assigns,”, (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income (“DTI”) calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a “Life of Loan” certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

Occupancy Review: Infinity confirmed the property occupancy is consistent with the mortgage loan approval and borrowers’ application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

Guideline Review: During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the

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borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

Fraud Review: Infinity reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower’s address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower’s profile. If any findings were noted, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

Title Review: Infinity’s review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

Additional Review of Mortgage Loan File: Infinity also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

(6) Value of collateral securing the assets: review and methodology.

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for seventy (70) mortgage loans. For these seventy (70) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity’s review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity’s review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an “as is” basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Infinity’s review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are

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similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Infinity’s review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client’s specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker’s price opinions, and full appraisals. If the property valuation products included in Infinity’s review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

Infinity completed a Compliance Review on seventy (70) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

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Infinity reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

(I) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission (§1026.23):

failure to provide the right of rescission notice;

ii)

failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii)

errors in the right of rescission notice;

iv)

failure to provide the correct form of right of rescission notice;

failure to provide the three (3) business day rescission period;

vi)

any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii)

with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:

review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii)

proper execution by all required parties;

iii)

principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv)

timing of initial and re-disclosed TIL(s).

Tolerances (§§1026.18, 22 and 23):

inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii)

inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

High-cost Mortgage (§§1026.31, 32 and 33):

points and fees threshold test;

ii)

APR threshold test;

iii)

prepayment penalty test; and

iv)

compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

Higher-priced Mortgage Loan (§1026.35):

APR threshold test; and

ii)

compliance with the escrow account and appraisal requirements.

With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii)

review relevant document to determine if there was dual compensation; and

iii)

review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

(1)

Note: Where available, Infinity reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Infinity’s review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the

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form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

Homeownership counseling (§1026.36):

determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

Mandatory Arbitration Clauses (§1026.36):

determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

Prohibition on Financing Credit Insurance (§1026.36):

determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):

review for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii)

verify the data against the NMLSR database, as available.

(II) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

Good Faith Estimate (GFE) (§1024.7) as applicable for loans with application dates prior to October 3, 2015:

confirm the presence of the current GFE form in effect at the time of origination;

ii)

verify GFE was provided to the borrower(s) within three (3) business days of application;

iii)

verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv)

determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

confirm the presence of a settlement service provider list, as applicable.

Final HUD-1/A Settlement Statement (HUD) (§1024.8) as applicable for loans with application dates prior to October 3, 2015:

confirm current applicable HUD form was provided;

ii)

determination that the mortgage loan file contains the final HUD;

iii)

escrow deposit on the final HUD matches the initial escrow statement amount; and

iv)

verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

GFE and Final HUD Comparison (§1024.7) as applicable for loans with application dates prior to October 3, 2015:

review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii)

confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii)

review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):

confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii)

verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii)

confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

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iv)

confirm the Special Information Booklet was provided within three (3) business days of application;

confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi)

confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii)

confirm the Affiliated Business Arrangement Disclosure is executed; and

viii)

confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix)

confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):

Loan Estimate (LE) (§§1026.19 and 37):

confirm the presence of LE for applications on or after October 3, 2015;

ii)

confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii)

iv)

confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi)

vii)

confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii)

confirm borrower received LE not later than four (4) business days prior to consummation; and

ix)

confirm LE was not provided to the borrower on or after the date of the CD.

Closing Disclosure (CD) (§§1026.19 and 38):

confirm the presence of CD for applications on or after October 3, 2015;

ii)

confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii)

iv)

confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

identify tolerance violations based on the charges disclosed on the initial and interim LE’s, initial CD, and reflected on the final CD;

vi)

with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii)

with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail

9 | Page

no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group (“SFIG”) has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

Your Home Loan Toolkit (§1026.19):

confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii)

confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:

The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan’s originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan’s status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator’s mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

Qualified Mortgage

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage 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 mortgage 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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

10 | Page

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

General Ability to Repay

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage 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.

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

(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

timing and content of the right to receive copy of appraisal disclosure;

ii)

charging of a fee for a copy of the appraisal or other written valuation;

iii)

timing of creditor providing a copy of each appraisal or other written valuation; and

iv)

with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;

(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

11 | Page

(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to “high-cost” mortgage loans, “covered” mortgage loans, “higher-priced” mortgage loans, “home” mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

(IX) Federal and state specific late charge and prepayment penalty provisions.

(X) Recording Review

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

(XI) FIRREA Review

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser’s supervisor, were licensed and in good standing at the time the appraisal was completed.

(XII) Document Review

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

▪

Initial application (1003);

▪

Underwriting summary / loan approval (1008);

▪

Credit report;

▪

Income and employment documentation;

▪

4506T;

▪

Asset documentation;

▪

Sales contract;

▪

Hazard and/or flood insurance policies;

▪

Copy of note for any junior liens;

▪

Appraisal;

▪

Title/Preliminary Title;

▪

Final 1003;

▪

Changed circumstance documentation;

▪

Right of Rescission Disclosure;

▪

Mortgage/Deed of Trust;

▪

Note;

▪

Mortgage Insurance;

▪

Tangible Net Benefit Disclosure;

▪

Subordination Agreement;

▪

FACTA disclosures;

▪

Notice of Special Flood Hazards;

▪

Initial and final GFE’s;

12 | Page

▪

HUD from sale of previous residence;

▪

Final HUD-1;

▪

Initial TIL;

▪

Final TIL;

▪

Loan Estimates;

▪

Closing Disclosures; and

▪

Certain other disclosures related to the enumerated tests set forth herein.

SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E.

OVERALL RESULTS SUMMARY (70 Mortgage Loans)

Infinity’s review to NRSRO grading requirements covers seventy (70)) mortgage loans. Within those mortgage loans, Infinity graded fifty eight (58) mortgage loans as “A”, twelve (12) mortgage loans as “B”.

NRSRO Grade	#	#	#	#
NRSRO Grade	Compliance	Credit	Property	Overall
A	59	70	69	58
B	11	0	1	12
C	0	0	0	0
D	0	0	0	0

NRSRO Grade	#	#	#	#
NRSRO Grade	Compliance	Credit	Property	Overall
A	84.29%	100.00%	98.57%	82.86%
B	15.71%	0.00%	1.43%	17.14%
C	0.00%	0.00%	0.00%	0.00%
D	0.00%	0.00%	0.00%	0.00%

13 | Page

TAPE INTEGRITY REVIEW RESULTS SUMMARY (70 Mortgage Loans)

Of the seventy (70) mortgage loans reviewed, 16 (22.86%) mortgage loans had tape discrepancies across eight (8) unique data fields.

Field Label	# Variances	# Loans	% # Loans
Borrower DTI Ratio Percent	8	70	11.43%
Disbursement Date	2	70	2.86%
Interest Only Period?	1	70	1.43%
Loan Documentation Type	3	70	4.29%
Original Appraised Value	5	70	7.14%
Original Stated P&I	1	70	1.43%
Property Address Street	1	70	1.43%
Property City	1	70	1.43%

ADDITIONAL LOAN POPULATION SUMMARY (70 Mortgage Loans)

Amortization Type	# Loans	% of Loans	Original Balance	% of Original Balance
Fixed	70	100.00%	$55,481,311.00	100.00%
Total	70	100.00%	$55,481,311.00	100.00%

Lien Position	# Loans	% of Loans	Original Balance	% of Original Balance
1	70	100.00%	$55,481,311.00	100.00%
Total	70	100.00%	$55,481,311.00	100.00%

Loan Purpose	# Loans	% of Loans	Original Balance	% of Original Balance
Cash Out: Other/Multi -Purpose/Unknown	25	35.71%	$18,166,300.00	32.74%
Limited Cash-Out (GSE Definition)	5	7.15%	$6,264,177.00	11.29%
First Time Home Purchase	18	25.71%	$13,059,164.00	23.54%
Other than first time Home Purchase	21	30.00%	$17,708,920.00	31.92%
Rate/Term Refinance - Borrower initiated	1	1.43%	$282,750.00	0.51%
Total	70	100.00%	$55,481,311.00	100.00%

14 | Page

Original Amortization Term	# Loans	% of Loans	Original Balance	% of Original Balance
240 Months	7	10.00%	$5,429,350.00	9.79%
360 Months	62	88.57%	$49,486,961.00	89.20%
480 Months	1	1.43%	$565,000.00	1.01%
Total	70	100.00%	$55,481,311.00	100.00%

Occupancy	# Loans	% of Loans	Original Balance	% of Original Balance
Primary	37	52.86%	$33,054,341.00	59.58%
Secondary	1	1.43%	$999,920.00	1.80%
Investor	32	45.71%	$21,427,050.00	38.62%
Total	70	100.00%	$55,481,311.00	100.00%

Exhibit A

Guidelines

EC NonQM Product Matrices v3.7

EC NonQM Eligibility Guidelines v3.7

EC NonQM Product Matrices v3.7 (Marked-up)

EC NonQM Investor Eligibility Guidelines v3.7 (Marked-up)

15 | Page

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.24

Tape Discrepancies

Loan #1	Dummy ID	Redacted Loan ID	Loan #2	Field	Loan Value	Tape Value	Variance	Variance %	Comment	Tape Source	Tape Type
xx	0OIJ4FH5WYT	56300		Property City	xx	xx			Updated as per final documents. Note, Final 1003	Initial
xx	GUHFSAO0DBI	60115		Borrower DTI Ratio Percent	28.158%	38.557%	-10.399%	-10.39900%	incorrect tape data	Initial
xx	GUHFSAO0DBI	60115		Disbursement Date	xx	xx	-2 (Days)		Updated as per document.	Initial
xx	2LLRMH3HVEV	56310		Borrower DTI Ratio Percent	38.139%	45.264%	-7.125%	-7.12500%	As per the income calculation the DTI should be 46.9% , however considering the initial interest only period (120 months) payment $3,575.	Initial
xx	2YXQ4KRO43J	56330		Borrower DTI Ratio Percent	19.272%	24.098%	-4.826%	-4.82600%	As per calculation the DTI is 24.09% and the P&I is 7236.61$	Initial
xx	2YXQ4KRO43J	56330		Loan Documentation Type	Full Documentation	Alternative			Updated as per documents.	Initial
xx	2X5CI3ALYOA	56322		Original Appraised Value	xx	xx	xx	3.23%	Updated as per appraisal report	Initial
xx	UHWFEGZ1NML	56324		Borrower DTI Ratio Percent	41%	35%	6.089%	6.09%	As per income calculation	Initial
xx	VYKDP0DDPO1	56332		Borrower DTI Ratio Percent	20.584%	34.352%	-13.768%	-13.76800%	As per note we should consider stated original P&I $7869.20. How ever in scienna ratio screen initial P&I 3858.75 considering for DTI calculation	Initial
xx	YEC3DISKUAK	58050		Property Address Street	xx	xx			Updated as per Final 1003.	Initial
xx	E0OE4CEYXJY	58055		Borrower DTI Ratio Percent	38%	48%	-9.454%	-9.45%	Borrower DTI ratio percent is 47.816%	Initial
xx	E0OE4CEYXJY	58055		Loan Documentation Type	Full Documentation	Alternative			Updated as per document.	Initial
xx	1STLGWQCBDP	60387		Original Appraised Value	xx	xx	xx	0.14768%	Update Asper Appraisal Report	Initial
xx	IKP34QOLN0G	60389		Original Appraised Value	xx	xx	xx	2.42424%	Updated as per document	Initial
xx	ZG0MO1UTKHN	60394		Borrower DTI Ratio Percent	44.622%	48.374%	-3.752%	-3.75200%	Loan is interset only period showing in final 1003 As per note there is showing fixed.P&I consider from as per note so DTI is not supported.	Initial
xx	ZG0MO1UTKHN	60394		Interest Only Period?	No	Yes			Updated As Per Note Document.	Initial
xx	ZG0MO1UTKHN	60394		Original Stated P&I	$2540.03	$2118.75	$421.28	19.88342%	Updated As Per Note Document.	Initial
xx	JYP210DIVPO	60397		Original Appraised Value	xx	xx	xx	1.09302%	Original Appraised Value as per the Appraisal is xx	Initial
xx	1JXRYAJY5H1	60135		Disbursement Date	xx	xx	-5 (Days)		Updated as per document.	Initial
xx	JAWWS320USN	60411		Loan Documentation Type	Full Documentation	Alternative			Borrower is a self-employee based on P&L statement.	Initial
xx	UHHE1GRIBUZ	56312		Borrower DTI Ratio Percent	43.426%	46.939%	-3.513%	-3.51300%	Updated as per document	Initial
xx	UHHE1GRIBUZ	56312		Original Appraised Value	xx	xx	xx	1.13207%	Updated as per Appraisal Document	Initial

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.25

Loan Information

Loan Details

General Comments

Missing Documents

Tape Discrepancies

Grading and Exceptions

ComplianceEase

Current Value Information

Credit History

Updated Credit Report Information

Loan #1

Dummy ID

Redacted Loan ID

Loan #2

Loan #3

Loan #4

Project Name

Pool

Borrower Last Name

Borrower First Name

Co-Borrower Last Name

Co-Borrower First Name

Address

City

State

Zip

Mailing Address

Mailing City

Mailing State

Mailing Zip

Original Lender

Loan Modified

Property Owner Same As Borrower

Chain of Assignment Complete

Lien Position

Judgment

Delinquent Tax

Total Tax

Last Payment

Foreclosure Case

Contested

Foreclosure Delay

Bankruptcy Chapter

Bankruptcy Case #

BK Cramdown

BK Reaffirmation

Original Loan Amount

I/O Interest Payment

Payment Amount per Note

Original Rate

Original Term

Amortized Term

Settlement Date

Disbursement Date

Cash Out Amount

Loan Type

Amortization Type

I/O Period

Loan Purpose

Original LTV

Original CLTV

ComplianceEase Doc Type

Mortgage Insurance Cert in File

MI Company

MI Cert #

MI Coverage Percentage

Borrower Monthly Income

Co-Borrower Monthly Income

Contract Sales Price

Property Type

Original Appraisal Date

Appraised Value

Occupancy (stated on 1003)

Flood Cert in File?

Life of Loan Flood Cert?

Property in a Flood Zone?

Borrower Original FICO

Co-Borrower Original FICO

DTI

Lien Position

Title Evidence

Senior Lien Amount

Junior Lien Amount

Date of Last MOD

Principal Balance Stated in MOD

Deferred Balance (Mod)

MOD Original Rate

MOD Original P&I

MOD First Payment Date

Reason for MOD

Title

Payment

Servicing

Mod Comments

Missing Documents

Tape Discrepancies

Guideline Grade (Non-ComplianceEase)

Grade 4 Exceptions (Reject / Non-curable)

Grade 3 Exceptions (Conditions / Curable)

Grade 2 Exceptions (Warnings)

Grade 1 Exceptions (Notices / Informational)

Overall Risk Indicator

HOEPA

TILA

RESPA

State and Local Predatory

State Regs

Exceptions

TRID Tolerance

Additional Valuation #1

Additional Valuation #2

Unrepaired Property Damage

Property Damage Amount $

Mortgage Rental History

2nd Home/Subject Investment Property

Consumer Debt

Charge Offs

Collections

Liens

Judgments

Bankruptcy (Pre-Origination)

Bankruptcy Chapter

Bankruptcy Discharge Date

Mos Credit Reestablished

Mortgage Rental History

2nd Home/Subject Investment Property

Consumer Debt

Charge Offs

Collections

Liens

Judgments

Total Payments Revolving Debt

Total Payments Installment Debt

Borrower Updated FICO

Co-Borrower Updated FICO

0XZHVEZV4SK

57751

XXXX

(DSCR30) 30 YR FIXED CASH FLOW 1 YR PPP

Not Applicable

California

Not Applicable

$3,969.06

4.875%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

PUD

Investor

Yes

761

Not Applicable

Unavailable

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable
Mortgage/Rent Dlq Last 12 Mos:Not Applicable
Max Days Dlq Last 12 Mos:Not Applicable
Verification Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :
Total Delinquent:Not Applicable
Mortgage/Rent Dlq Last 12 Mos:Not Applicable
Max Days Dlq Last 12 Mos:Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

IAAWNGRDX5Z

57752

XXXX

(ALT30) 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$2,897.85

5.375%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$15,839.00

Unavailable

Not Applicable

Single Family

Primary

Yes

741

Not Applicable

44.864%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the CA AB 260 higher-priced mortgage loan test.

Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.
While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy
higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 5.640% Allowed 4.640% Over By+1.000%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

LETX0QZ5LRI

57754

XXXX

(ALT30) 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$2,977.78

3.875%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Full Documentation

Not Applicable

$9,540.00

Unavailable

Not Applicable

3 Family

Primary

Yes

753

Not Applicable

45.315%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:0
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable
Mortgage/Rent Dlq Last 12 Mos:Not Applicable
Max Days Dlq Last 12 Mos:Not Applicable
Verification Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

0OIJ4FH5WYT

56300

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

Florida

Not Applicable

$960.96

3.500%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$4,342.00

Unavailable

Not Applicable

Single Family

Primary

Yes

753

Not Applicable

45.424%

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Property City Loan Value: xx Tape Value: xx |---| |----| Comment: Updated as per final documents. Note, Final 1003 Tape Source: Initial Tape Type:

1: Acceptable

* ComplianceEase Risk Indicator is "Elevated" (Lvl 1) "In Initial Cd 9/17/2021 transfer tax is $ 1104.37 and in final CD 10/9/2021 transfer tax increased to $1177.60 is a fee increased of $73.60 for a Non- Shippable Fee which exceeds 0% tolerance. Valid COC or cost of cure is required.

Resolved:Cure Amount Updated Condition has been Cleard."

Elevated

Pass

Not Covered

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

OQYLZQNGOZC

60114

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$6,441.05

3.250%

360

Not Applicable

Conventional

Fixed

Not Applicable

Refinance

Alternative

Not Applicable

$85,472.00

Unavailable

Not Applicable

Single Family

Primary

Yes

779

Not Applicable

14.331%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:
Date:
Type:Full appraisal

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

GUHFSAO0DBI

60115

XXXX

(EC30) TPO 30 YR FIXED EXCELERATE 3 YR PPP

Not Applicable

Nevada

Not Applicable

$1,816.92

5.500%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$18,558.00

Unavailable

Not Applicable

Single Family

Investor

Yes

644

Not Applicable

28.158%

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Borrower DTI Ratio Percent Loan Value: 28.158% Tape Value: 38.557% |---| -10.399% |----| -10.39900% Comment: incorrect tape data Tape Source: Initial Tape Type:
Field: Disbursement Date Loan Value: xx Tape Value: xx Variance: -2 (Days) Variance %: Comment: Updated as per document. Tape Source: Initial Tape Type:

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:2
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Yes

Chapter 7

03/01/2015

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

44KCFR3WFFD

56329

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$2,222.61

5.625%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$30,000.00

Unavailable

Not Applicable

Single Family

Primary

Yes

704

Not Applicable

27.183%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.

While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 5.993% Allowed 4.420% Over By+1.573%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

2LLRMH3HVEV

56310

XXXX

(EC30) TPO 40 YR FIXED EXCELERATE I/O

Not Applicable

California

Not Applicable

$3,575.00

$4,428.75

5.500%

480

Conventional

Fixed

120

Cash Out

Full Documentation

Not Applicable

$11,981.90

Unavailable

Not Applicable

Single Family

Primary

Yes

641

Not Applicable

38.139%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Borrower DTI Ratio Percent Loan Value: 38.139% Tape Value: 45.264% |---| -7.125% |----| -7.12500% Comment: As per the income calculation the DTI should be 46.9% , however considering the initial interest only period (120 months) payment $3,575. Tape Source: Initial Tape Type:

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)     "This loan failed CA AB 260 higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in
California Financial Code.

  While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL : Charged 5.622%        Allowed 4.410%       Over by +1.212%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

3MWXFOCSYPP

56314

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$5,358.99

3.375%

360

Not Applicable

Conventional

Fixed

Not Applicable

Refinance

Alternative

Not Applicable

$36,324.00

Unavailable

Not Applicable

PUD

Primary

Yes

727

Not Applicable

23.649%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

D5KVPF50DCI

57702

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 3 YR PPP

Not Applicable

California

Not Applicable

$1,769.10

3.750%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

749

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

0UGZU2YJEIY

56302

XXXX

(ALT30) TPO 30 YR FIXED PRIME 1 YR PPP

California

Not Applicable

$3,512.02

5.250%

360

Conventional

Fixed

Not Applicable

Cash Out

Full Documentation

Not Applicable

$7,119.00

$6,805.00

Not Applicable

3 Family

Investor

Yes

729

756

45.687%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

N0NCEMENYKB

56319

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$2,769.01

4.000%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$9,021.00

Unavailable

Not Applicable

Single Family

Primary

Yes

773

Not Applicable

41.098%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

MYG2IYEQM4Y

56320

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW I/O 1 YR PPP

Not Applicable

California

Not Applicable

$867.75

$1,394.96

4.875%

360

Conventional

Fixed

120

Cash Out

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Low Rise Condo (1-4 Stories)

Investor

Yes

681

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:17
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Mos Reviewed:40
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

2YXQ4KRO43J

56330

XXXX

(EC30) TPO 30 YR FIXED EXCELERATE I/O

Not Applicable

California

Not Applicable

$5,104.17

$7,236.61

6.125%

360

Not Applicable

Conventional

Fixed

120

Purchase

Full Documentation

Not Applicable

$44,188.75

Unavailable

Not Applicable

High Rise Condo (>=9 Stories)

Primary

Yes

735

Not Applicable

19.272%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Borrower DTI Ratio Percent Loan Value: 19.272% Tape Value: 24.098% |---| -4.826% |----| -4.82600% Comment: As per calculation the DTI is 24.09% and the P&I is 7236.61$ Tape Source: Initial Tape Type:
Field: Loan Documentation Type Loan Value: Full Documentation Tape Value: Alternative Variance: Variance %: Comment: Updated as per documents. Tape Source: Initial Tape Type:

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.

Higher-Priced Mortgage Loan Test: FAIL Charged: 6.201% Allowed: 5.410% Over by: +0.791%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

2X5CI3ALYOA

56322

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$12,200.11

4.250%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$33,653.58

Unavailable

Not Applicable

Mid Rise Condo (5-8 Stories)

Primary

Yes

724

Not Applicable

48.686%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Original Appraised Value Loan Value: xx Tape Value: xx |---| xx |----| 3.23% Comment: Updated as per appraisal report Tape Source: Initial Tape Type:

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Yes

Chapter 7

04/01/2016

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

N1SKD0QIA3P

60117

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW PLUS 1 YR PPP

Not Applicable

California

Not Applicable

$6,946.73

3.750%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

768

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Not Applicable

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

UHWFEGZ1NML

56324

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$5,906.23

5.625%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$22,000.00

Unavailable

Not Applicable

Single Family

Primary

Yes

714

Not Applicable

41.384%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Borrower DTI Ratio Percent Loan Value: 41% Tape Value: 35% |---| 6.089% |----| 6.09% Comment: As per income calculation Tape Source: Initial Tape Type:

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the CA AB 260 higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in California Financial Code. While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: 5.870% Allowed:5.430% Over by: +0.440%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

WY2I4LNGFWR

56331

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 3 YR PPP

Not Applicable

California

Not Applicable

$1,390.96

4.250%

360

Not Applicable

Conventional

Fixed

Not Applicable

Refinance

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

711

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* Property zoned rural and contains more than 10 acres (Lvl 2) "Appraisal property zoned rural more than 10.49 acres.

Provide appraiser comments or exception approval."

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

VYKDP0DDPO1

56332

XXXX

(ALT30) TPO 30 YR FIXED PRIME I/O

Not Applicable

California

Not Applicable

$3,858.75

$7,869.20

3.375%

360

Not Applicable

Conventional

Fixed

120

Refinance

Alternative

Not Applicable

$29,127.00

Unavailable

Not Applicable

Single Family

Primary

Yes

798

Not Applicable

20.584%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Borrower DTI Ratio Percent Loan Value: 20.584% Tape Value: 34.352% |---| -13.768% |----| -13.76800% Comment: As per note we should consider stated original P&I $7869.20. How ever in scienna ratio screen initial P&I 3858.75 considering for DTI calculation Tape Source: Initial Tape Type:

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

3JCDMPAPNZD

56326

XXXX

(EC30) TPO 30 YR FIXED EXCELERATE

Not Applicable

California

Not Applicable

$2,116.83

4.875%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$8,511.00

Unavailable

Not Applicable

PUD

Primary

Yes

720

Not Applicable

46.443%

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the CA AB 260 Higher-Priced Mortgage Loan Test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in California Financial Code.
While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: 4.946% Allowed: 4.430% Over by: +0.516%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

EMQR02A1R3E

60118

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW I/O 3 YR PPP

Not Applicable

California

Not Applicable

$1,992.19

$2,953.61

5.625%

360

Conventional

Fixed

120

Cash Out

Alternative

Not Applicable

Unavailable

Not Applicable

2 Family

Investor

Yes

719

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

XDVDGTKLX3K

56328

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 1 YR PPP

Not Applicable

California

Texas

Not Applicable

$1,880.95

3.875%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

792

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

IBG5OVYERIK

56333

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$6,901.39

4.750%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$34,690.00

Unavailable

Not Applicable

PUD

Primary

Yes

756

Not Applicable

25.170%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:99
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Number:1
Total Amount:514.00
Last Date:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

UPL3ARSHRTU

56334

XXXX

(ALT30) TPO 40 YR FIXED PRIME I/O

Not Applicable

California

Not Applicable

$3,791.15

$5,723.44

3.625%

480

Not Applicable

Conventional

Fixed

120

Refinance

Alternative

Not Applicable

$149,385.00

Unavailable

Not Applicable

Single Family

Primary

Yes

754

Not Applicable

12.763%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

TPUF2CNF4GU

58048

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$1,975.00

3.875%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$10,127.00

Unavailable

Not Applicable

Single Family

Primary

Yes

693

Not Applicable

41.026%

First

Title Search

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:

Value:Not Applicable
Date:Not Applicable
Type:

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

JEWJ0JA1JHM

56336

XXXX

(EC30) TPO 30 YR FIXED EXCELERATE

Not Applicable

California

Nevada

Not Applicable

$3,942.73

5.250%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Full Documentation

Not Applicable

$13,424.67

Unavailable

Not Applicable

Single Family

Primary

Yes

665

Not Applicable

38.324%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

0JE1HEVHWAZ

56337

XXXX

(DSCR40) TPO 40 YR FIXED CASH FLOW I/O 3 YR PPP

California

Not Applicable

$1,845.47

$2,687.40

3.875%

480

Not Applicable

Conventional

Fixed

120

Purchase

Alternative

Not Applicable

$0.00

Not Applicable

Single Family

Investor

Yes

780

803

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

YEC3DISKUAK

58050

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW PLUS 5 YR PPP

Not Applicable

California

Not Applicable

$1,856.80

3.375%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

Unavailable

Not Applicable

3 Family

Investor

Yes

795

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Property Address Street Loan Value: xx Tape Value: xx |---| |----| Comment: Updated as per Final 1003. Tape Source: Initial Tape Type:

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

A0USZZTQIVF

58051

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$6,336.54

5.250%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$20,800.00

Unavailable

Not Applicable

Single Family

Primary

Yes

701

Not Applicable

46.223%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

FSZXDQ0OI3N

57714

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

Arizona

Not Applicable

$3,187.09

3.500%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$11,617.00

Unavailable

Not Applicable

PUD

Primary

Yes

664

Not Applicable

40.790%

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Elevated

Pass

Not Covered

Pass

No Result

Pass

Value:
Date:
Type:Not Applicable

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

E0OE4CEYXJY

58055

XXXX

(EC30) TPO 40 YR FIXED EXCELERATE I/O

Arizona

Not Applicable

$2,756.25

$4,243.47

3.500%

480

Conventional

Fixed

120

Cash Out

Full Documentation

Not Applicable

$13,537.95

$2,192.20

Not Applicable

PUD

Primary

Yes

788

770

38.362%

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Borrower DTI Ratio Percent Loan Value: 38% Tape Value: 48% |---| -9.454% |----| -9.45% Comment: Borrower DTI ratio percent is 47.816% Tape Source: Initial Tape Type:
Field: Loan Documentation Type Loan Value: Full Documentation Tape Value: Alternative Variance: Variance %: Comment: Updated as per document. Tape Source: Initial Tape Type:

1: Acceptable

Elevated

Pass

Not Covered

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

LLG3VQDTNY0

57717

XXXX

(DSCR40) TPO 40 YR FIXED CASH FLOW I/O 5 YR PPP

Not Applicable

Florida

Not Applicable

$1,525.00

$2,260.00

3.750%

480

Not Applicable

Conventional

Fixed

120

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

PUD

Investor

Yes

780

Not Applicable

Unavailable

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

VPVZJ5XPXZY

58058

XXXX

(DSCR40) TPO 40 YR FIXED CASH FLOW I/O 3 YR PPP

Not Applicable

Colorado

Nebraska

Not Applicable

$2,098.08

$2,958.06

4.125%

480

Not Applicable

Conventional

Fixed

120

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

PUD

Investor

Yes

796

Not Applicable

Unavailable

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

* Settlement date is different from note date (Lvl 1) "HUD Settlement Statement reflects closing date as 11/11/2021. Notary signature date on the Mortgage/Deed of Trust is 11/10/2021. Note date is 11/10/2021."

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

SA4OZFOWYBN

60386

XXXX

(EC30) TPO 30 YR FIXED EXCELERATE

Not Applicable

California

Not Applicable

$2,194.35

6.000%

360

Conventional

Fixed

Not Applicable

Cash Out

Full Documentation

Not Applicable

$7,677.00

Unavailable

Not Applicable

Low Rise Condo (1-4 Stories)

Primary

Yes

594

Not Applicable

46.929%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in
Regulation Z.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional
requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL allowed 6.264% 4.530% charged + overby 1.734%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:2
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

B4D4VQO3D2O

57732

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

Illinois

Not Applicable

$2,713.71

5.000%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$14,960.00

Unavailable

Not Applicable

PUD

Primary

Yes

736

Not Applicable

32.203%

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL Charged : 5.085% Allowed : 4.640% Overby : +0.445%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

1STLGWQCBDP

60387

XXXX

(ALT30) TPO 30 YR FIXED PRIME

California

Not Applicable

$3,544.68

4.375%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Full Documentation

Not Applicable

$8,826.13

$4,492.19

Not Applicable

PUD

Primary

Yes

769

767

39.117%

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Original Appraised Value Loan Value: xx Tape Value: xx |---| xx |----| 0.14768% Comment: Update Asper Appraisal Report Tape Source: Initial Tape Type:

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

B4XG3XEZOKZ

60388

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$8,239.05

4.125%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$29,663.00

Unavailable

Not Applicable

PUD

Primary

Yes

705

Not Applicable

48.143%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

IKP34QOLN0G

60389

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW PLUS I/O 3 YR P

California

Texas

Not Applicable

$4,921.88

$10,037.25

3.375%

360

Conventional

Fixed

120

Cash Out

Alternative

Not Applicable

$0.00

Not Applicable

Single Family

Investor

Yes

750

771

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Original Appraised Value Loan Value: xx Tape Value: xx |---| xx |----| 2.42424% Comment: Updated as per document Tape Source: Initial Tape Type:

1: Acceptable

Value:
Date:
Type:Not Applicable

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

QL31SG0VFIT

60390

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW PLUS 3 YR PPP

Not Applicable

California

Not Applicable

$2,088.06

3.500%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

Unavailable

Not Applicable

Single Family

Investor

Yes

722

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

UUGH0PY4SZN

60392

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 5 YR PPP

Not Applicable

California

Not Applicable

$1,097.47

3.500%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

721

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

ZG0MO1UTKHN

60394

XXXX

(EC30) TPO 40 YR FIXED EXCELERATE I/O

Not Applicable

California

Not Applicable

$2,540.03

4.500%

480

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$8,602.21

Unavailable

Not Applicable

Single Family

Primary

Yes

687

Not Applicable

44.622%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Borrower DTI Ratio Percent   Loan Value: 44.622%   Tape Value: 48.374% |---| -3.752% |----| -3.75200%   Comment: Loan is interset only period showing in final 1003 As per note there is showing fixed.P&I consider from as per note so DTI is not supported.   Tape Source: Initial   Tape Type:
Field: Interest Only Period?   Loan Value: No   Tape Value: Yes   Variance:    Variance %:    Comment: Updated As Per Note Document.   Tape Source: Initial   Tape Type:
Field: Original Stated P&I   Loan Value: $2540.03   Tape Value: $2118.75   Variance: $421.28   Variance %: 19.88342%   Comment: Updated As Per Note Document.   Tape Source: Initial   Tape Type:

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

ROSAQQWTHEE

58097

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$12,081.35

4.750%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$48,468.00

Unavailable

Not Applicable

Single Family

Primary

Yes

706

Not Applicable

48.579%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Full appraisal

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

JYP210DIVPO

60397

XXXX

(DSCR40) TPO 40 YR FIXED CASH FLOW I/O 5 YR PPP

Not Applicable

California

Not Applicable

$5,203.13

$7,710.87

3.750%

480

Conventional

Fixed

120

Cash Out

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

774

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Original Appraised Value Loan Value: xx Tape Value: xx |---| xx |----| 1.09302% Comment: Original Appraised Value as per the Appraisal is xx Tape Source: Initial Tape Type:

1: Acceptable

Value:
Date:
Type:Not Applicable

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

1JXRYAJY5H1

60135

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 5 YR PPP

Not Applicable

Hawaii

Not Applicable

$3,689.55

4.250%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

Unavailable

Not Applicable

Single Family

Investor

Yes

796

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Disbursement Date Loan Value: xx Tape Value: xx |---| -5 (Days) |----| Comment: Updated as per document. Tape Source: Initial Tape Type:

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

MEWXHPEKAH0

60403

XXXX

(ALT30) TPO 30 YR FIXED PRIME 3 YR PPP

Not Applicable

California

Not Applicable

$3,380.10

4.000%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$29,583.00

Unavailable

Not Applicable

Single Family

Investor

Yes

738

Not Applicable

39.037%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

JAWWS320USN

60411

XXXX

(EC30) TPO 30 YR FIXED EXCELERATE

California

Not Applicable

$992.20

3.875%

360

Conventional

Fixed

Not Applicable

Cash Out

Full Documentation

Not Applicable

$4,286.66

Not Applicable

2 Family

Primary

Yes

743

792

36.231%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Loan Documentation Type Loan Value: Full Documentation Tape Value: Alternative |---| |----| Comment: Borrower is a self-employee based on P&L statement. Tape Source: Initial Tape Type:

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

5W55BPTJJFR

60412

XXXX

(DSCR40) TPO 40 YR FIXED CASH FLOW I/O 5 YR PPP

Not Applicable

California

Not Applicable

$1,265.00

$1,874.69

3.750%

480

Not Applicable

Conventional

Fixed

120

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

798

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Y5V00L5YN5R

60414

XXXX

(EC30) TPO 30 YR FIXED EXCELERATE

Not Applicable

California

Not Applicable

$3,473.83

4.500%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$10,450.00

Unavailable

Not Applicable

Single Family

Primary

Yes

703

Not Applicable

45.501%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.

While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 4.814% Allowed: 4.660% Over by: +0.154%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

4EQ41BG5IDX

60416

XXXX

(DSCR40) TPO 40 YR FIXED CASH FLOW I/O 5 YR PPP

Not Applicable

California

Not Applicable

$4,037.50

$5,983.45

3.750%

480

Not Applicable

Conventional

Fixed

120

Purchase

Alternative

Not Applicable

Unavailable

Not Applicable

4 Family

Investor

Yes

785

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

PB5N4F4MYRP

60420

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$3,609.26

4.625%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$21,000.00

Unavailable

Not Applicable

Single Family

Primary

Yes

760

Not Applicable

28.591%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the CA AB 260 Higher-Priced Mortgage Loan Test. CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 4.906% Allowed:4.530% Over by:+0.376%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

LXA5XOZJLTL

60422

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$3,433.88

5.875%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$40,805.00

Unavailable

Not Applicable

Single Family

Primary

Yes

695

Not Applicable

38.084%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

2: Acceptable with Warnings

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL :Charged:6.183% Allowed:5.700% Over By:+0.483%"

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

GJLQ1MC2ZM4

60423

XXXX

(EC30) TPO 40 YR FIXED EXCELERATE I/O

Not Applicable

California

Not Applicable

$7,838.54

$10,734.63

4.375%

480

Conventional

Fixed

120

Cash Out

Alternative

Not Applicable

$69,210.00

Unavailable

Not Applicable

PUD

Primary

Yes

688

Not Applicable

26.462%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Elevated

Pass

No Result

Pass

Value:
Date:
Type:Full appraisal

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

RPCX2ZB1JNW

60424

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW PLUS I/O 1 YR P

Not Applicable

California

Not Applicable

$1,353.52

$2,412.06

4.125%

360

Not Applicable

Conventional

Fixed

120

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

805

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:AVM

Value:
Date:
Type:Desk Review

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

5JBUP5SAAW2

60427

XXXX

(ALT30) TPO 30 YR FIXED PRIME

California

Not Applicable

$317.41

3.875%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Full Documentation

Not Applicable

$3,078.00

$0.00

Not Applicable

Low Rise Condo (1-4 Stories)

Primary

Yes

764

769

35.661%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

00SLGQSVX4J

60429

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$2,268.16

4.125%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$12,691.00

Unavailable

Not Applicable

PUD

Primary

Yes

753

Not Applicable

29.692%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

YVUVM221ZI5

60430

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 1 YR PPP

California

Not Applicable

$5,807.43

3.875%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

Single Family

Investor

Yes

765

768

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

5CQN25VY1GK

60431

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Texas

Not Applicable

$5,918.81

3.250%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Full Documentation

Not Applicable

$19,303.27

$11,241.04

Not Applicable

PUD

Primary

Yes

789

739

45.313%

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

GV5S0JO0OIA

60434

XXXX

(DSCR40) TPO 40 YR FIXED CASH FLOW I/O 2 YR PPP

Not Applicable

California

Not Applicable

$2,358.75

$3,146.53

4.625%

480

Not Applicable

Conventional

Fixed

120

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

716

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:
Date:
Type:AVM

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

HNF1UKBFGOI

60435

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 5 YR PPP

Not Applicable

California

Not Applicable

$6,181.57

4.000%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

3 Family

Investor

Yes

791

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

3NH1MSBUU4F

60436

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$4,773.77

4.000%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Full Documentation

Not Applicable

$57,591.68

Unavailable

Not Applicable

Single Family

Secondary

Yes

759

Not Applicable

20.978%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Not Covered

Pass

Not Covered

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

NCTHM4JQQFP

60437

XXXX

(ALT30) TPO 30 YR FIXED PRIME

California

Not Applicable

$2,257.14

3.875%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$26,104.00

Not Applicable

Single Family

Primary

Yes

717

745

8.678%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

KW4WFEASK2O

60438

XXXX

(ALT30) TPO 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$2,501.66

3.875%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$15,830.00

Unavailable

Not Applicable

Single Family

Primary

Yes

724

Not Applicable

34.104%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

HSSIGUE0BSG

60442

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 5 YR PPP

Not Applicable

California

Not Applicable

$2,528.39

4.000%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

763

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

FKAR0C3BA5G

60443

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW PLUS I/O 1 YR P

Not Applicable

California

Not Applicable

$859.38

$1,630.44

3.750%

360

Conventional

Fixed

120

Cash Out

Alternative

Not Applicable

Unavailable

Not Applicable

Single Family

Investor

Yes

762

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

0LLKADPOFQB

60444

XXXX

(DSCR30) TPO 30 YR FIXED CASH FLOW 4 YR PPP

Not Applicable

California

Not Applicable

$3,311.28

3.750%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

788

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

UHHE1GRIBUZ

56312

XXXX

(ALT30) 30 YR FIXED PRIME

Not Applicable

California

Not Applicable

$5,137.29

4.125%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

$22,138.00

Unavailable

Not Applicable

Single Family

Primary

Yes

790

Not Applicable

43.426%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

Field: Borrower DTI Ratio Percent Loan Value: 43.426% Tape Value: 46.939% |---| -3.513% |----| -3.51300% Comment: Updated as per document Tape Source: Initial Tape Type:
Field: Original Appraised Value Loan Value: xx Tape Value: xx Variance: xx Variance %: 1.13207% Comment: Updated as per Appraisal Document Tape Source: Initial Tape Type:

1: Acceptable

Minimal

Pass

No Result

Pass

Value:
Date:
Type:

Value:Not Applicable
Date:Not Applicable
Type:

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

$313.00

$882.00

Not Applicable

3SIUTLHIGRW

56335

XXXX

(ALT30) 30 YR FIXED PRIME 1 YR PPP

California

Not Applicable

$4,664.06

6.250%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$18,807.00

$8,520.00

Not Applicable

2 Family

Investor

Yes

774

734

47.000%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:AVM

Value:
Date:
Type:Desk Review

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

MZR1T4BH1V4

56338

XXXX

(DSCR30) 30 YR FIXED CASH FLOW 3 YR PPP

Not Applicable

California

Not Applicable

$1,287.86

3.500%

360

Conventional

Fixed

Not Applicable

Cash Out

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

Single Family

Investor

Yes

795

Not Applicable

0.000%

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Desk Review

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

KB125DGIYAQ

60141

XXXX

(DSCR30) 30 YR FIXED CASH FLOW PLUS 5 YR PPP

Not Applicable

California

Not Applicable

$998.75

4.000%

360

Not Applicable

Conventional

Fixed

Not Applicable

Purchase

Alternative

Not Applicable

Unavailable

Not Applicable

Single Family

Investor

Yes

727

Not Applicable

Unavailable

First

Preliminary title policy

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:Not Applicable

Value:Not Applicable
Date:Not Applicable
Type:Not Applicable

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

CII2413MALS

58130

XXXX

(DSCR40) 40 YR FIXED CASH FLOW PLUS I/O 5 YR PPP

Not Applicable

California

Not Applicable

$2,712.50

$3,949.99

3.875%

480

Conventional

Fixed

120

Cash Out

Alternative

Not Applicable

$0.00

Unavailable

Not Applicable

2 Family

Investor

Yes

734

Not Applicable

Unavailable

First

Commitment

Not Applicable

Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:

Not Applicable

1: Acceptable

Value:
Date:
Type:

Value:Not Applicable
Date:Not Applicable
Type:

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable

Number:0
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

Mos Reviewed:Not Applicable
Times 1X30:Not Applicable
Times 1X60:Not Applicable
Times 1X90:Not Applicable
Currently Delinquent? :Not Applicable
Total Delinquent:Not Applicable

Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable

Not Applicable

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.26

Loan Number 1

Dummy ID

Redacted Loan ID

Borrower Last Name

Property State

Note Date

Loan Purpose

TPR QM ATR Status

Initial Overall Loan Grade

Final Overall Loan Grade

Exception Category

Exception Subcategory

Exception Code

Final Exception Status

Initial Exception Grade

Final Exception Grade

Exception

Exception Detail

Follow-up Comments (Exception Response)

Exception Conclusion Comments

Compensating Factors

Curable Status

Loan Status

Review Date

Cleared Date

Cured Date

Exception Date

IAAWNGRDX5Z

57752

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the CA AB 260 higher-priced mortgage loan test.

Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.
While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy
higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 5.640% Allowed 4.640% Over By+1.000%

QC Complete

11/11/2021

11/10/2021

0OIJ4FH5WYT

56300

Florida

Cash Out

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 1)

In Initial Cd 9/17/2021 transfer tax is $ 1104.37 and in final CD 10/9/2021 transfer tax increased to $1177.60 is a fee increased of $73.60 for a Non- Shippable Fee which exceeds 0% tolerance. Valid COC or cost of cure is required.

Resolved:Cure Amount Updated Condition has been Cleard.

Resolved:Cure Amount Updated Condition has been Cleard.

QC Complete

10/26/2021

10/25/2021

0OIJ4FH5WYT

56300

Florida

Cash Out

Non-QM/Compliant

Credit

Doc Issue

XXXX

Resolved

* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl R)

Initial Escrow acct disclosure is missing.

11/09/2021 - Received initial escrow account disclosure & condition resolved.

11/09/2021 - Received initial escrow account disclosure & condition resolved.

QC Complete

10/26/2021

11/09/2021

10/26/2021

44KCFR3WFFD

56329

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.

While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 5.993% Allowed 4.420% Over By+1.573%

QC Complete

10/26/2021

10/25/2021

2LLRMH3HVEV

56310

California

Cash Out

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed CA AB 260 higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in
California Financial Code.

  While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL : Charged 5.622%        Allowed 4.410%       Over by +1.212%

QC Complete

10/18/2021

2YXQ4KRO43J

56330

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.

Higher-Priced Mortgage Loan Test: FAIL Charged: 6.201% Allowed: 5.410% Over by: +0.791%

QC Complete

10/19/2021

2YXQ4KRO43J

56330

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Resolved

* Disclosure - Your Home Loan Toolkit is missing or unexecuted (Lvl R)

Home Loan ToolKit is Missing in the Package.

11/01/2021 - Received initial escrow account disclosure & condition remains same.

11/02/2021 - Received home loan toolkit & condition resolved.

11/02/2021 - Received home loan toolkit & condition resolved.

QC Complete

10/19/2021

11/02/2021

10/19/2021

2YXQ4KRO43J

56330

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Resolved

* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R)

Initial Loan Estimate is Missing in the Package.

11/10/2021 - Received initial LE & condition resolved.

11/10/2021 - Received initial LE & condition resolved.

QC Complete

10/19/2021

11/10/2021

10/19/2021

2X5CI3ALYOA

56322

California

Purchase

Non-QM/Compliant

Credit

Assets Insufficient

XXXX

Resolved

* Assets are not sufficient to close (Lvl R)

Transaction is Purchase of primary residence. Reserves required per guidelines is $ 146,534.49. Provide satisfactory evidence of reserves covering $ 146,534.49. Provided bank statement not eligible for reserves (as per the “xx NonQM Investor Eligibility Guidelines v3.7 (Marked-up)” guideline.

11/02/2021 - Received LOE for business use of funds & xx bank statement xx with ending balance of $861,100.71. Condition has been resolved.

11/02/2021 - Received LOE for business use of funds & xx bank statement # xx with ending balance of $861,100.71. Condition has been resolved.

QC Complete

10/19/2021

11/02/2021

10/19/2021

UHWFEGZ1NML

56324

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the CA AB 260 higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in California Financial Code. While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: 5.870% Allowed:5.430% Over by: +0.440%

QC Complete

10/18/2021

WY2I4LNGFWR

56331

California

Refinance

Not Covered/Exempt

Valuation

Property

XXXX

Active

* Property zoned rural and contains more than 10 acres (Lvl 2)

Appraisal property zoned rural more than 10.49 acres.

Provide appraiser comments or exception approval.

QC Complete

10/27/2021

10/22/2021

VYKDP0DDPO1

56332

California

Refinance

Non-QM/Compliant

Credit

XXXX

Resolved

* Borrower Identity Missing (Lvl R)

Borrower ID Missing

11/04/2021 - Received Customer identification form with borrower's DL information from the processor & condition resolved.

11/04/2021 - Received Customer identification form with borrower's DL information from the processor & condition resolved.

QC Complete

10/19/2021

11/04/2021

10/19/2021

3JCDMPAPNZD

56326

California

Cash Out

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the CA AB 260 Higher-Priced Mortgage Loan Test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in California Financial Code.
While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: 4.946% Allowed: 4.430% Over by: +0.516%

QC Complete

10/19/2021

TPUF2CNF4GU

58048

California

Cash Out

Non-QM/Compliant

AUS

XXXX

Resolved

* Appraisal Value (Lvl R)

CU Risk Score and Additional CU Risk Score is missing, so need secondary valuation report for subject property.

12/23/2021 - Received CDA as secondary valuation & condition resolved.

12/23/2021 - Received CDA as secondary valuation & condition resolved.

QC Complete

12/01/2021

12/23/2021

12/01/2021

YEC3DISKUAK

58050

California

Cash Out

Not Covered/Exempt

Credit

Other Disclosures

XXXX

Resolved

* Missing Required Disclosures (Lvl R)

As per Note document borrower getting loan from two different properties "xx" and xx". However, Final 1003 confirms borrower does not obligated with any mortgage on the property "xx". Hence need to know whether xx" is free and Clear or not. Also as per 1008 borrower owns only one third of the interest on the 3 units property (xx). So need supporting document for the same.

12/27/2021 - Received LOE stating it is same property where some units are on xx & other is on xx. Condition resovled.

12/27/2021 - Received LOE stating it is same property where some units are on xx & other is on xx. Condition resovled.

QC Complete

12/02/2021

12/27/2021

12/01/2021

A0USZZTQIVF

58051

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Resolved

* Disclosure - Your Home Loan Toolkit is missing or unexecuted (Lvl R)

Home Loan Tool Kit Is Missing In The File.

12/22/2021 - Received home loan kit & condition resolved.

12/22/2021 - Received home loan kit & condition resolved.

QC Complete

11/24/2021

12/22/2021

11/24/2021

FSZXDQ0OI3N

57714

Arizona

Purchase

Non-QM/Compliant

Compliance

XXXX

Resolved

* ComplianceEase TRID Tolerance Test Failed (Lvl R)

Initial CD 10/25/2021 reflects Appraisal Fee of $1200.00. This fee is Increased for $200.00 a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. Cure to the Borrower is required or COC is required

Resolved 2/18/2022 : Received PCCD with cure of $200.00, hence conditions cleared

Resolved 2/18/2022 : Received PCCD with cure of $200.00, hence conditions cleared

QC Complete

11/17/2021

02/18/2022

11/16/2021

E0OE4CEYXJY

58055

Arizona

Cash Out

Non-QM/Compliant

Legal Docs

Doc Issue

XXXX

Resolved

* Missing proof of hazard insurance (Lvl R)

Hazard Insurance for subject property missing in the file, so need Hazard Insurance document.

12/22/2021 - Received valid HOI policy & condition resolved.

12/22/2021 - Received valid HOI policy & condition resolved.

QC Complete

12/02/2021

12/22/2021

12/01/2021

LLG3VQDTNY0

57717

Florida

Purchase

Not Covered/Exempt

Credit

XXXX

Resolved

* Purchase Contract is missing (Lvl R)

Purchase Contract document for the subject property is missing in file.

02/18/2022 - Received Purchase contract & condition resolved.

02/18/2022 - Received Purchase contract & condition resolved.

QC Complete

11/16/2021

02/18/2022

11/17/2021

VPVZJ5XPXZY

58058

Colorado

Purchase

Not Covered/Exempt

Credit

Doc Issue

XXXX

Resolved

* Application Missing (Lvl R)

Final Application is missing in the loan file.

12/22/2021 - Received final 1003 & condition resolved.

12/22/2021 - Received final 1003 & condition resolved.

QC Complete

11/18/2021

12/22/2021

11/18/2021

VPVZJ5XPXZY

58058

Colorado

Purchase

Not Covered/Exempt

Legal Docs

Doc Issue

XXXX

Resolved

* Missing proof of hazard insurance (Lvl R)

Missing Hazard Insurance Policy for the subject property.

12/22/2021 - Received valid HOI policy & condition resolved.

12/22/2021 - Received valid HOI policy & condition resolved.

QC Complete

11/18/2021

12/22/2021

11/18/2021

VPVZJ5XPXZY

58058

Colorado

Purchase

Not Covered/Exempt

Legal Docs

Doc Issue

XXXX

Active

* Settlement date is different from note date (Lvl 1)

HUD Settlement Statement reflects closing date as XX/XX/XXXX. Notary signature date on the Mortgage/Deed of Trust is XX/XX/XXXX. Note date is XX/XX/XXXX.

QC Complete

11/18/2021

SA4OZFOWYBN

60386

California

Cash Out

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in
Regulation Z.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional
requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL allowed 6.264% 4.530% charged + overby 1.734%

QC Complete

12/08/2021

B4D4VQO3D2O

57732

Illinois

Purchase

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL Charged : 5.085% Allowed : 4.640% Overby : +0.445%

QC Complete

11/18/2021

B4D4VQO3D2O

57732

Illinois

Purchase

Non-QM/Compliant

Valuation

Doc Issue

XXXX

Resolved

* Missing flood cert (Lvl R)

Flood Cert is missing in Loan Package for property # xx.

12/22/2021 - Received flood cert & condition resolved.

12/22/2021 - Received flood cert & condition resolved.

QC Complete

11/18/2021

12/22/2021

11/17/2021

Y5V00L5YN5R

60414

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.

While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 4.814% Allowed: 4.660% Over by: +0.154%

QC Complete

12/20/2021

PB5N4F4MYRP

60420

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the CA AB 260 Higher-Priced Mortgage Loan Test. CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 4.906% Allowed:4.530% Over by:+0.376%

QC Complete

12/20/2021

LXA5XOZJLTL

60422

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Active

* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)

This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL :Charged:6.183% Allowed:5.700% Over By:+0.483%

QC Complete

12/20/2021

UHHE1GRIBUZ

56312

California

Purchase

Non-QM/Compliant

AUS

XXXX

Resolved

* Appraisal Value (Lvl R)

CU Risk score (LCA) is greater than 2.5. Secondary valuation required for securitizationm however it is missing in file.

11/01/2021 - Received secondary valuation & condition resolved.

11/01/2021 - Received secondary valuation & condition resolved.

QC Complete

10/19/2021

11/01/2021

10/20/2021

UHHE1GRIBUZ

56312

California

Purchase

Non-QM/Compliant

Compliance

XXXX

Resolved

* Missing Final 1003_Application (Lvl R)

Appraisal value on Final 1003 is incorrect. As per Final 1003 Appraisal value is xx, however per appraisal it is xx. Citing this as informational as appraisal value is considered per Appraisal for LTV calculation.

11/01/2021 - Received updated final 1003 with appraised value as xx & condition resolved.

11/01/2021 - Received updated final 1003 with appraised value as xx & condition resolved.

QC Complete

10/19/2021

11/01/2021

10/19/2021

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.27

Loan Number

Dummy ID

Redacted Loan ID

Seller Loan Number

Borrower Name

State

QM/ATR Status

Initial Overall Loan Grade

Final Overall Grade

Final Credit Grade

Final Property Grade

Final Compliance Grade

Material (level 3) TRID exception?

Material (level 3) Non-TRID exception?

Active Material Exceptions

Active Non Material Exceptions

Satisfied Exceptions

Waived Exceptions

Compensating Factors

Valuation Comments

General Comments

Property Type

Note Date

LTV

CLTV

Occupancy

Purpose

Credit Score

Brwr 1 Yrs in Property

Brwr 1 Occupation

Brwr 1 Yrs on Job

Total Monthly Income

Mortgage History

Cash Out Amount

DTI

FTHB Flag

Loan Doc Type

Loan Status

Review Date

0XZHVEZV4SK

57751

California

Not Covered/Exempt

PUD

Investor

Cash Out

761

$0.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

10/19/2021

IAAWNGRDX5Z

57752

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test.

Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.
While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy
higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 5.640% Allowed 4.640% Over By+1.000%

Apprisal has provided #6 comps to support the openion of value.
Appraisal has ticked on as is on xx, with the appraised value xx.

Single Family

Primary

Purchase

741

24.75

$15,839.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

44.864%

Alternative

QC Complete

11/11/2021

LETX0QZ5LRI

57754

California

Non-QM/Compliant

Appraisal has provided 6comps to support theopinion of value Appraised has ticked on xx with Appraised value of xx

3 Family

Primary

Purchase

753

5.75

$9,540.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

45.315%

Full Documentation

QC Complete

11/11/2021

0OIJ4FH5WYT

56300

Florida

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 1
COMMENT: In Initial Cd 9/17/2021 transfer tax is $ 1104.37 and in final CD 10/9/2021 transfer tax increased to $1177.60 is a fee increased of $73.60 for a Non- Shippable Fee which exceeds 0% tolerance. Valid COC or cost of cure is required.

Resolved:Cure Amount Updated Condition has been Cleard.

*** (CURED) Initial Escrow Acct Disclosure missing; loan has escrows - EV R
COMMENT: Initial Escrow acct disclosure is missing.

11/09/2021 - Received initial escrow account disclosure & condition resolved.

Appraisal value supported by 6 comps.

Single Family

Primary

Cash Out

753

0.75

9.58

$4,342.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

45.424%

Alternative

QC Complete

10/26/2021

OQYLZQNGOZC

60114

California

Non-QM/Compliant

As is date #xx as is value #xx, with 3 comparable of sale

Single Family

Primary

Refinance

779

2.42

$83,291.30

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

14.331%

Alternative

QC Complete

12/08/2021

GUHFSAO0DBI

60115

Nevada

Not Covered/Exempt

Aprsl is AS IS with 6 sale comparable & 3 rent comparable

Single Family

Investor

Purchase

644

17.17

$18,242.11

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Verification of Rent

28.158%

Alternative

QC Complete

12/08/2021

44KCFR3WFFD

56329

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the
California Financial Code.

While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 5.993% Allowed 4.420% Over By+1.573%

The Appraiser Has Provided 6 Comparables

Single Family

Primary

Purchase

704

0.33

$29,987.99

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

27.183%

Yes

Alternative

QC Complete

10/26/2021

2LLRMH3HVEV

56310

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT:   This loan failed CA AB 260 higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in
California Financial Code.

  While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL : Charged 5.622%        Allowed 4.410%       Over by +1.212%

Value Supported by 6 Comps

Single Family

Primary

Cash Out

641

$11,981.90

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

38.139%

Full Documentation

QC Complete

10/18/2021

3MWXFOCSYPP

56314

California

Non-QM/Compliant

Appraisal has 3 Comprables

PUD

Primary

Refinance

727

1.25

6.05

$36,324.00

Mos Reviewed:0
Times 1X30:
Times 1X60:
Times 1X90:
Currently Delinquent? :
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:
Max Days Dlq Last 12 Mos:
Verification Type:

23.649%

Alternative

QC Complete

10/19/2021

D5KVPF50DCI

57702

California

Not Covered/Exempt

Appraisal update 1004D dated xx confirms the improvements have been completed and no variance in original appraisal value xx

Single Family

Investor

Cash Out

749

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

11/16/2021

0UGZU2YJEIY

56302

California

Not Covered/Exempt

Appraisal has provided 3 comps to support the opinion of value Appraised has ticked on xx with Appraised value of xx

3 Family

Investor

Cash Out

729

20.83

$7,119.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

45.687%

Full Documentation

QC Complete

10/19/2021

N0NCEMENYKB

56319

California

Non-QM/Compliant

Single Family

Primary

Purchase

773

5.41

$9,021.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

41.098%

Yes

Alternative

QC Complete

10/20/2021

MYG2IYEQM4Y

56320

California

Not Covered/Exempt

Low Rise Condo (1-4 Stories)

Investor

Cash Out

681

0.08

Mos Reviewed:17
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

10/18/2021

2YXQ4KRO43J

56330

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.

Higher-Priced Mortgage Loan Test: FAIL Charged: 6.201% Allowed: 5.410% Over by: +0.791%

*** (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R
COMMENT: Initial Loan Estimate is Missing in the Package.

11/10/2021 - Received initial LE & condition resolved.

*** (CURED) Disclosure - Your Home Loan Toolkit is missing or unexecuted - EV R
COMMENT: Home Loan ToolKit is Missing in the Package.

11/01/2021 - Received initial escrow account disclosure & condition remains same.

11/02/2021 - Received home loan toolkit & condition resolved.

Appraisal Contains 5 Comparables

High Rise Condo (>=9 Stories)

Primary

Purchase

735

37.33

$44,188.75

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Verification of Rent

19.272%

Yes

Full Documentation

QC Complete

10/19/2021

2X5CI3ALYOA

56322

California

Non-QM/Compliant

*** (CURED) Assets are not sufficient to close - EV R
COMMENT: Transaction is Purchase of primary residence. Reserves required per guidelines is $ 146,534.49. Provide satisfactory evidence of reserves covering $ 146,534.49. Provided bank statement not eligible for reserves (as per the “xx NonQM Investor Eligibility Guidelines v3.7 (Marked-up)” guideline.

11/02/2021 - Received LOE for business use of funds & xx bank statement # xx with ending balance of $861,100.71. Condition has been resolved.

Appraisal has 6 Comprables

Mid Rise Condo (5-8 Stories)

Primary

Purchase

724

36.5

$33,653.61

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

48.686%

Yes

Alternative

QC Complete

10/19/2021

N1SKD0QIA3P

60117

California

Not Covered/Exempt

Single Family

Investor

Cash Out

768

$0.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/09/2021

UHWFEGZ1NML

56324

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in California Financial Code. While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: 5.870% Allowed:5.430% Over by: +0.440%

Single Family

Primary

Purchase

714

5.08

$18,763.20

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

41.384%

Alternative

QC Complete

10/18/2021

WY2I4LNGFWR

56331

California

Not Covered/Exempt

*** (OPEN) Property zoned rural and contains more than 10 acres - EV 2
COMMENT: Appraisal property zoned rural more than XXXX acres.

Provide appraiser comments or exception approval.

Single Family

Investor

Refinance

711

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

10/27/2021

VYKDP0DDPO1

56332

California

Non-QM/Compliant

*** (CURED) Borrower Identity Missing - EV R
COMMENT: Borrower ID Missing

11/04/2021 - Received Customer identification form with borrower's DL information from the processor & condition resolved.

Appraisal Contains 3 Comparables

Single Family

Primary

Refinance

798

10.41

$29,126.55

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

20.584%

Alternative

QC Complete

10/19/2021

3JCDMPAPNZD

56326

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the CA AB 260 Higher-Priced Mortgage Loan Test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in California Financial Code.
While the California Financial Code provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: 4.946% Allowed: 4.430% Over by: +0.516%

Appraisal has provided 6 comps to support the opinion of value Appraised has ticked on xx with Appraised value of xx

PUD

Primary

Cash Out

720

8.16

$8,511.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

46.443%

Alternative

QC Complete

10/19/2021

EMQR02A1R3E

60118

California

Not Covered/Exempt

2 Family

Investor

Cash Out

719

19.33

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/09/2021

XDVDGTKLX3K

56328

California

Not Covered/Exempt

Value Supported by 5 Comps

Single Family

Investor

Purchase

792

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

10/19/2021

IBG5OVYERIK

56333

California

Non-QM/Compliant

Value Supported by 4 Comps

PUD

Primary

Purchase

756

$34,689.67

Mos Reviewed:
Times 1X30:
Times 1X60:
Times 1X90:
Currently Delinquent? :
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:
Max Days Dlq Last 12 Mos:
Verification Type:

25.170%

Yes

Alternative

QC Complete

10/20/2021

UPL3ARSHRTU

56334

California

Non-QM/Compliant

Appraisal Supports 6 Comp's.

Single Family

Primary

Refinance

754

1.83

4.25

$149,385.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

12.763%

Alternative

QC Complete

10/19/2021

TPUF2CNF4GU

58048

California

Non-QM/Compliant

*** (CURED) Appraisal Value - EV R
COMMENT: CU Risk Score and Additional CU Risk Score is missing, so need secondary valuation report for subject property.

12/23/2021 - Received CDA as secondary valuation & condition resolved.

Appraisal has 6 comparable with different market based value properties

Single Family

Primary

Cash Out

693

$10,127.19

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

41.026%

Alternative

QC Complete

12/01/2021

JEWJ0JA1JHM

56336

California

Non-QM/Compliant

Single Family

Primary

Purchase

665

0.25

$13,424.67

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

38.324%

Full Documentation

QC Complete

10/19/2021

0JE1HEVHWAZ

56337

California

Not Covered/Exempt

Appraisal has 6 comparables

Single Family

Investor

Purchase

780

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

10/19/2021

YEC3DISKUAK

58050

California

Not Covered/Exempt

*** (CURED) Missing Required Disclosures - EV R
COMMENT: As per Note document borrower getting loan from two different properties "xx" and xx". However, Final 1003 confirms borrower does not obligated with any mortgage on the property "xx". Hence need to know whether xx" is free and Clear or not. Also as per 1008 borrower owns only one third of the interest on the 3 units property (xx). So need supporting document for the same.

12/27/2021 - Received LOE stating it is same property where some units are on xx & other is on xx. Condition resovled.

Appraisal has provided 6 comparables to support the opinion of value

3 Family

Investor

Cash Out

795

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/02/2021

A0USZZTQIVF

58051

California

Non-QM/Compliant

*** (CURED) Disclosure - Your Home Loan Toolkit is missing or unexecuted - EV R
COMMENT: Home Loan Tool Kit Is Missing In The File.

12/22/2021 - Received home loan kit & condition resolved.

Verfied Through 4 Comparables

Single Family

Primary

Purchase

701

0.16

$20,800.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

46.223%

Alternative

QC Complete

11/24/2021

FSZXDQ0OI3N

57714

Arizona

Non-QM/Compliant

*** (CURED) ComplianceEase TRID Tolerance Test Failed - EV R
COMMENT: Initial CD 10/25/2021 reflects Appraisal Fee of $1200.00. This fee is Increased for $200.00 a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. Cure to the Borrower is required or COC is required

Resolved 2/18/2022 : Received PCCD with cure of $200.00, hence conditions cleared

PUD

Primary

Purchase

664

2.16

$11,617.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

40.790%

Alternative

QC Complete

11/17/2021

E0OE4CEYXJY

58055

Arizona

Non-QM/Compliant

*** (CURED) Missing proof of hazard insurance - EV R
COMMENT: Hazard Insurance for subject property missing in the file, so need Hazard Insurance document.

12/22/2021 - Received valid HOI policy & condition resolved.

Appraisal has provided 6 comps to support the opinion of value.Appraisal has ticked on As is on xx with the appraised value xx

PUD

Primary

Cash Out

770

26.83

$13,537.95

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

38.362%

Full Documentation

QC Complete

12/02/2021

LLG3VQDTNY0

57717

Florida

Not Covered/Exempt

*** (CURED) Purchase Contract is missing - EV R
COMMENT: Purchase Contract document for the subject property is missing in file.

02/18/2022 - Received Purchase contract & condition resolved.

Value supported by 8 comparables

PUD

Investor

Purchase

780

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

11/16/2021

VPVZJ5XPXZY

58058

Colorado

Not Covered/Exempt

*** (OPEN) Settlement date is different from note date - EV 1
COMMENT: HUD Settlement Statement reflects closing date as XX/XX/XXXX. Notary signature date on the Mortgage/Deed of Trust is XX/XX/XXXX. Note date is XX/XX/XXXX.

*** (CURED) Application Missing - EV R
COMMENT: Final Application is missing in the loan file.

12/22/2021 - Received final 1003 & condition resolved.

*** (CURED) Missing proof of hazard insurance - EV R
COMMENT: Missing Hazard Insurance Policy for the subject property.

12/22/2021 - Received valid HOI policy & condition resolved.

Appraisal has provided 4 comps to support the opinion of value
Appraisal has ticked on As Is on xx. With the appraised value xx

PUD

Investor

Purchase

796

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

11/18/2021

SA4OZFOWYBN

60386

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in
Regulation Z.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional
requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced
mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL allowed 6.264% 4.530% charged + overby 1.734%

Appraisal has #6 comparable

Low Rise Condo (1-4 Stories)

Primary

Cash Out

594

29.58

$7,677.00

Mos Reviewed:24
Times 1X30:2
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

46.929%

Full Documentation

QC Complete

12/08/2021

B4D4VQO3D2O

57732

Illinois

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL Charged : 5.085% Allowed : 4.640% Overby : +0.445%

*** (CURED) Missing flood cert - EV R
COMMENT: Flood Cert is missing in Loan Package for property # xx.

12/22/2021 - Received flood cert & condition resolved.

Appraisal Update form 1004D shows inspection has been performed on xx and all improvements have been completed and no variance in original appraisal value of xx

PUD

Primary

Purchase

736

3.91

3.16

$14,960.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Verification of Rent

32.203%

Yes

Alternative

QC Complete

11/18/2021

1STLGWQCBDP

60387

California

Non-QM/Compliant

Value Supported by 6 Comps

PUD

Primary

Purchase

767

3.83

$8,826.13

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

39.117%

Yes

Full Documentation

QC Complete

12/09/2021

B4XG3XEZOKZ

60388

California

Non-QM/Compliant

Property Verified with 7 comp.

PUD

Primary

Cash Out

705

3.08

$29,663.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

48.143%

Alternative

QC Complete

12/09/2021

IKP34QOLN0G

60389

California

Not Covered/Exempt

Single Family

Investor

Cash Out

750

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/14/2021

QL31SG0VFIT

60390

California

Not Covered/Exempt

Single Family

Investor

Cash Out

718

Mos Reviewed:24
Times 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/13/2021

UUGH0PY4SZN

60392

California

Not Covered/Exempt

Appraisal with #6 comparable properties

Single Family

Investor

Cash Out

721

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/09/2021

ZG0MO1UTKHN

60394

California

Non-QM/Compliant

Value supported by 6 comps

Single Family

Primary

Cash Out

687

13.67

$8,602.17

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

44.622%

Alternative

QC Complete

12/13/2021

ROSAQQWTHEE

58097

California

Non-QM/Compliant

Verified through 6 comps

Single Family

Primary

Purchase

706

3.33

20.5

$48,468.25

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

48.579%

Alternative

QC Complete

12/23/2021

JYP210DIVPO

60397

California

Not Covered/Exempt

C3;Kitchen-remodeled-one to five years
ago;Bathrooms-remodeled-one to five years ago;The subject has remodeled kitchen (new cabinets/granite countertops/stainless steel appliances); remodeled baths (new showers/vanities/toilets/hardware); tile/wood floors; new windows; new exterior paint; plantation shutters;
inground pool/spa; and brick patio

Single Family

Investor

Cash Out

774

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/09/2021

1JXRYAJY5H1

60135

Hawaii

Not Covered/Exempt

Appraisal has #6 comparables

Single Family

Investor

Cash Out

796

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/13/2021

MEWXHPEKAH0

60403

California

Not Covered/Exempt

Value supported by 3 comparables

Single Family

Investor

Purchase

738

3.16

$29,583.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

39.037%

Alternative

QC Complete

12/20/2021

JAWWS320USN

60411

California

Non-QM/Compliant

Appraisal has provided 4 comps

2 Family

Primary

Cash Out

743

21.83

$4,286.66

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

36.231%

Full Documentation

QC Complete

12/13/2021

5W55BPTJJFR

60412

California

Not Covered/Exempt

Appraisal has provided 3 comps to support the opinion of value.Appraisal has ticked on As is on xx with the appraised value xx

Single Family

Investor

Purchase

798

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/13/2021

Y5V00L5YN5R

60414

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.

While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 4.814% Allowed: 4.660% Over by: +0.154%

Single Family

Primary

Purchase

703

3.25

5.25

$10,450.00

Mos Reviewed:
Times 1X30:
Times 1X60:
Times 1X90:
Currently Delinquent? :
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:
Max Days Dlq Last 12 Mos:
Verification Type:

45.501%

Yes

Alternative

QC Complete

12/20/2021

4EQ41BG5IDX

60416

California

Not Covered/Exempt

Aprsl is AS IS with 4 Comps & 3 Rents

4 Family

Investor

Purchase

785

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/13/2021

PB5N4F4MYRP

60420

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the CA AB 260 Higher-Priced Mortgage Loan Test. CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 4.906% Allowed:4.530% Over by:+0.376%

Aprsl is AS IS with 7 comparables to support the opinion value of appraisar ticketed on xx with value xx

Single Family

Primary

Purchase

760

9.83

$21,000.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

28.591%

Yes

Alternative

QC Complete

12/20/2021

LXA5XOZJLTL

60422

California

Non-QM/Compliant

*** (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2
COMMENT: This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test FAIL :Charged:6.183% Allowed:5.700% Over By:+0.483%

Appraisal with #6 comparable

Single Family

Primary

Purchase

695

0.75

6.33

$40,804.63

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

38.084%

Yes

Alternative

QC Complete

12/20/2021

GJLQ1MC2ZM4

60423

California

Non-QM/Compliant

Appraisal has #3 comp to support opinion value.

PUD

Primary

Cash Out

688

8.83

$69,209.58

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

26.462%

Alternative

QC Complete

12/20/2021

RPCX2ZB1JNW

60424

California

Not Covered/Exempt

Value Supported by 6 Comps

Single Family

Investor

Purchase

805

0.58

$0.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Yes

Alternative

QC Complete

12/20/2021

5JBUP5SAAW2

60427

California

Non-QM/Compliant

Property verified with 6 Comp

Low Rise Condo (1-4 Stories)

Primary

Purchase

764

4.08

$3,079.21

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

35.661%

Yes

Full Documentation

QC Complete

12/22/2021

00SLGQSVX4J

60429

California

Non-QM/Compliant

Value supported by 4 comps

PUD

Primary

Purchase

753

2.25

3.75

$12,691.04

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

29.692%

Yes

Alternative

QC Complete

12/20/2021

YVUVM221ZI5

60430

California

Not Covered/Exempt

Single Family

Investor

Purchase

765

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/13/2021

5CQN25VY1GK

60431

Texas

Non-QM/Compliant

Value supported by 8 comps

PUD

Primary

Purchase

739

1.83

$19,303.27

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

45.313%

Full Documentation

QC Complete

12/21/2021

GV5S0JO0OIA

60434

California

Not Covered/Exempt

Value suppoeted by #8 comparables

Single Family

Investor

Purchase

716

0.58

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/21/2021

HNF1UKBFGOI

60435

California

Not Covered/Exempt

Value Supported by 5 Comps

3 Family

Investor

Purchase

791

0.33

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/22/2021

3NH1MSBUU4F

60436

California

Non-QM/Compliant

Verified through 3 Comparables

Single Family

Secondary

Purchase

759

10.5

$57,532.96

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

20.978%

Full Documentation

QC Complete

12/13/2021

NCTHM4JQQFP

60437

California

Non-QM/Compliant

Appraisal has provided 12 comps to support the opinion of value.Appraisal has ticked on As is on xx with the appraised value xx

Single Family

Primary

Purchase

717

11.54

$26,104.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

8.678%

Alternative

QC Complete

12/20/2021

KW4WFEASK2O

60438

California

Non-QM/Compliant

Appraisal has provided 6 comps

Single Family

Primary

Purchase

724

3.5

$15,830.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

34.104%

Yes

Alternative

QC Complete

12/20/2021

HSSIGUE0BSG

60442

California

Not Covered/Exempt

Verified Through 3 Comparbles

Single Family

Investor

Purchase

763

$0.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/21/2021

FKAR0C3BA5G

60443

California

Not Covered/Exempt

Appraisal has provided 6 comparables to support the opinion of value.

Single Family

Investor

Cash Out

762

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/22/2021

0LLKADPOFQB

60444

California

Not Covered/Exempt

Single Family

Investor

Purchase

788

3.5

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/21/2021

UHHE1GRIBUZ

56312

California

Non-QM/Compliant

*** (CURED) Appraisal Value - EV R
COMMENT: CU Risk score (LCA) is greater than 2.5. Secondary valuation required for securitizationm however it is missing in file.

11/01/2021 - Received secondary valuation & condition resolved.

*** (CURED) Missing Final 1003_Application - EV R
COMMENT: Appraisal value on Final 1003 is incorrect. As per Final 1003 Appraisal value is xx, however per appraisal it is xx. Citing this as informational as appraisal value is considered per Appraisal for LTV calculation.

11/01/2021 - Received updated final 1003 with appraised value as xx & condition resolved.

Appraisal has 6 Comprables

Single Family

Primary

Purchase

790

18.08

$21,540.44

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

43.426%

Alternative

QC Complete

10/19/2021

3SIUTLHIGRW

56335

California

Not Covered/Exempt

Verified with 6 comparables

2 Family

Investor

Cash Out

734

3.16

$18,807.76

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

47.000%

Alternative

QC Complete

10/19/2021

MZR1T4BH1V4

56338

California

Not Covered/Exempt

comparable with 6 properties

Single Family

Investor

Cash Out

795

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

0.000%

Alternative

QC Complete

10/19/2021

KB125DGIYAQ

60141

California

Not Covered/Exempt

Appraisal has provided 5 comps to support the opinion of value
Appraisal has ticked on As Is on xx. With the appraised value xx

Single Family

Investor

Purchase

727

2.33

$0.00

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/13/2021

CII2413MALS

58130

California

Not Covered/Exempt

Appraisal has provided 6comps to support the opinion of value Appraised has ticked on xx with Appraised value xx

2 Family

Investor

Cash Out

734

25.75

Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report

Alternative

QC Complete

12/23/2021

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.28

Loan Number

Dummy ID

Redacted Loan ID

Original Loan Amount

State

Note Date

Occupancy

Purpose

Final Overall Agency Grade

Final Overall Credit Grade

Final Overall Compliance Grade

Final Overall Property Grade

DBRS INITIAL Overall Agency Grade

DBRS FINAL Overall Agency Grade

DBRS INITIAL Credit Grade

DBRS FINAL Credit Grade

DBRS INITIAL Compliance Grade

DBRS FINAL Compliance Grade

DBRS INITIAL Property Grade

DBRS FINAL Property Grade

FITCH INITIAL Overall Agency Grade

FITCH FINAL Overall Agency Grade

FITCH INITIAL Credit Grade

FITCH FINAL Credit Grade

FITCH INITIAL Compliance Grade

FITCH FINAL Compliance Grade

FITCH INITIAL Property Grade

FITCH FINAL Property Grade

KROLL INITIAL Overall Agency Grade

KROLL FINAL Overall Agency Grade

KROLL INITIAL Credit Grade

KROLL FINAL Credit Grade

KROLL INITIAL Compliance Grade

KROLL FINAL Compliance Grade

KROLL INITIAL Property Grade

KROLL FINAL Property Grade

MOODY's INITIAL Overall Agency Grade

MOODY's FINAL Overall Agency Grade

MOODY's INITIAL Credit Grade

MOODY's FINAL Credit Grade

MOODY's INITIAL Compliance Grade

MOODY's FINAL Compliance Grade

MOODY's INITIAL Property Grade

MOODY's FINAL Property Grade

S&P INITIAL Overall Agency Grade

S&P FINAL Overall Agency Grade

S&P INITIAL Credit Grade

S&P FINAL Credit Grade

S&P INITIAL Compliance Grade

S&P FINAL Compliance Grade

S&P INITIAL Property Grade

S&P FINAL Property Grade

MORNINGSTAR INITIAL Overall Agency Grade

MORNINGSTAR FINAL Overall Agency Grade

MORNINGSTAR INITIAL Credit Grade

MORNINGSTAR FINAL Credit Grade

MORNINGSTAR INITIAL Compliance Grade

MORNINGSTAR FINAL Compliance Grade

MORNINGSTAR INITIAL Property Grade

MORNINGSTAR FINAL Property Grade

00SLGQSVX4J

60429

California

Primary

Purchase

0JE1HEVHWAZ

56337

California

Investor

Purchase

0LLKADPOFQB

60444

California

Investor

Purchase

0OIJ4FH5WYT

56300

Florida

Primary

Cash Out

0UGZU2YJEIY

56302

California

Investor

Cash Out

0XZHVEZV4SK

57751

California

Investor

Cash Out

1JXRYAJY5H1

60135

Hawaii

Investor

Cash Out

1STLGWQCBDP

60387

California

Primary

Purchase

2LLRMH3HVEV

56310

California

Primary

Cash Out

2X5CI3ALYOA

56322

California

Primary

Purchase

2YXQ4KRO43J

56330

California

Primary

Purchase

3JCDMPAPNZD

56326

California

Primary

Cash Out

3MWXFOCSYPP

56314

California

Primary

Refinance

3NH1MSBUU4F

60436

California

Secondary

Purchase

3SIUTLHIGRW

56335

California

Investor

Cash Out

44KCFR3WFFD

56329

California

Primary

Purchase

4EQ41BG5IDX

60416

California

Investor

Purchase

5CQN25VY1GK

60431

Texas

Primary

Purchase

5JBUP5SAAW2

60427

California

Primary

Purchase

5W55BPTJJFR

60412

California

Investor

Purchase

A0USZZTQIVF

58051

California

Primary

Purchase

B4D4VQO3D2O

57732

Illinois

Primary

Purchase

B4XG3XEZOKZ

60388

California

Primary

Cash Out

CII2413MALS

58130

California

Investor

Cash Out

D5KVPF50DCI

57702

California

Investor

Cash Out

E0OE4CEYXJY

58055

Arizona

Primary

Cash Out

EMQR02A1R3E

60118

California

Investor

Cash Out

FKAR0C3BA5G

60443

California

Investor

Cash Out

FSZXDQ0OI3N

57714

Arizona

Primary

Purchase

GJLQ1MC2ZM4

60423

California

Primary

Cash Out

GUHFSAO0DBI

60115

Nevada

Investor

Purchase

GV5S0JO0OIA

60434

California

Investor

Purchase

HNF1UKBFGOI

60435

California

Investor

Purchase

HSSIGUE0BSG

60442

California

Investor

Purchase

IAAWNGRDX5Z

57752

California

Primary

Purchase

IBG5OVYERIK

56333

California

Primary

Purchase

IKP34QOLN0G

60389

California

Investor

Cash Out

JAWWS320USN

60411

California

Primary

Cash Out

JEWJ0JA1JHM

56336

California

Primary

Purchase

JYP210DIVPO

60397

California

Investor

Cash Out

KB125DGIYAQ

60141

California

Investor

Purchase

KW4WFEASK2O

60438

California

Primary

Purchase

LETX0QZ5LRI

57754

California

Primary

Purchase

LLG3VQDTNY0

57717

Florida

Investor

Purchase

LXA5XOZJLTL

60422

California

Primary

Purchase

MEWXHPEKAH0

60403

California

Investor

Purchase

MYG2IYEQM4Y

56320

California

Investor

Cash Out

MZR1T4BH1V4

56338

California

Investor

Cash Out

N0NCEMENYKB

56319

California

Primary

Purchase

N1SKD0QIA3P

60117

California

Investor

Cash Out

NCTHM4JQQFP

60437

California

Primary

Purchase

OQYLZQNGOZC

60114

California

Primary

Refinance

PB5N4F4MYRP

60420

California

Primary

Purchase

QL31SG0VFIT

60390

California

Investor

Cash Out

ROSAQQWTHEE

58097

California

Primary

Purchase

RPCX2ZB1JNW

60424

California

Investor

Purchase

SA4OZFOWYBN

60386

California

Primary

Cash Out

TPUF2CNF4GU

58048

California

Primary

Cash Out

UHHE1GRIBUZ

56312

California

Primary

Purchase

UHWFEGZ1NML

56324

California

Primary

Purchase

UPL3ARSHRTU

56334

California

Primary

Refinance

UUGH0PY4SZN

60392

California

Investor

Cash Out

VPVZJ5XPXZY

58058

Colorado

Investor

Purchase

VYKDP0DDPO1

56332

California

Primary

Refinance

WY2I4LNGFWR

56331

California

Investor

Refinance

XDVDGTKLX3K

56328

California

Investor

Purchase

Y5V00L5YN5R

60414

California

Primary

Purchase

YEC3DISKUAK

58050

California

Investor

Cash Out

YVUVM221ZI5

60430

California

Investor

Purchase

ZG0MO1UTKHN

60394

California

Primary

Cash Out

MFA 2022-NQM2 Trust ABS-15G

Exhibit 99.29

LOAN DATA

ORIGINATION DATA

AVM Data

DESK REVIEW DATA

BPO REVIEW DATA

FIELD REVIEW/2055 DATA

2ND APPRAISAL DATA

AGENCY DATA

Customer Loan #

Dummy ID

Redacted Loan ID

Seller Loan #

Note Date

Original Loan Amount

Sales Price

Appraised Value

Value for CLTV

Appraisal Date

Appraisal Type

AVM Value

Variance $

Variance %

AVM Company

AVM FSD Score

AVM Effective Date

Desk Value

Variance $

Variance %

Desk Company

Desk Report Date

BPO As-Is Value

Variance $

Variance %

BPO Company

BPO Inspection Date

FR Value

Variance $

Variance %

FR Company

FR Report Date

2nd Appraisal Value

Variance $

Variance %

2nd Appraisal Company

2nd Appraisal Date

Eligible for Rep/Warrant Relief

CU Score

0XZHVEZV4SK

57751

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

IAAWNGRDX5Z

57752

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Yes

LETX0QZ5LRI

57754

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Not Applicable

0OIJ4FH5WYT

56300

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Yes

OQYLZQNGOZC

60114

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

GUHFSAO0DBI

60115

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

44KCFR3WFFD

56329

1004 Residential Appraisal

0.233%

Clear Capital

Not Applicable

2LLRMH3HVEV

56310

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

3MWXFOCSYPP

56314

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

D5KVPF50DCI

57702

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

0UGZU2YJEIY

56302

Not Applicable

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Not Applicable

N0NCEMENYKB

56319

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

MYG2IYEQM4Y

56320

Not Applicable

1073 Condominiums

$0.00

0.000%

Clear Capital

Not Applicable

2YXQ4KRO43J

56330

1073 Condominiums

2.000%

Clear Capital

Not Applicable

2X5CI3ALYOA

56322

1073 Condominiums

$0.00

0.000%

Clear Capital

-3.125%

Not Applicable

N1SKD0QIA3P

60117

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

UHWFEGZ1NML

56324

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

WY2I4LNGFWR

56331

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

VYKDP0DDPO1

56332

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

3JCDMPAPNZD

56326

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

EMQR02A1R3E

60118

Not Applicable

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Not Applicable

XDVDGTKLX3K

56328

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

IBG5OVYERIK

56333

1004 Residential Appraisal

0.136%

Clear Capital

Not Applicable

UPL3ARSHRTU

56334

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

TPUF2CNF4GU

58048

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

JEWJ0JA1JHM

56336

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

0JE1HEVHWAZ

56337

1004 Residential Appraisal

4.331%

Clear Capital

Not Applicable

YEC3DISKUAK

58050

Not Applicable

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Not Applicable

A0USZZTQIVF

58051

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

FSZXDQ0OI3N

57714

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

E0OE4CEYXJY

58055

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

LLG3VQDTNY0

57717

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

VPVZJ5XPXZY

58058

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

SA4OZFOWYBN

60386

Not Applicable

1073 Condominiums

$0.00

0.000%

Clear Capital

Unavailable

B4D4VQO3D2O

57732

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Yes

1STLGWQCBDP

60387

1004 Residential Appraisal

0.148%

Clear Capital

Unavailable

B4XG3XEZOKZ

60388

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

IKP34QOLN0G

60389

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

QL31SG0VFIT

60390

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

UUGH0PY4SZN

60392

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

ZG0MO1UTKHN

60394

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

ROSAQQWTHEE

58097

1004 Residential Appraisal

$0.00

0.000%

Unavailable

JYP210DIVPO

60397

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

1JXRYAJY5H1

60135

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

MEWXHPEKAH0

60403

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

JAWWS320USN

60411

Not Applicable

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Yes

5W55BPTJJFR

60412

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

Y5V00L5YN5R

60414

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

4EQ41BG5IDX

60416

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Not Applicable

PB5N4F4MYRP

60420

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

LXA5XOZJLTL

60422

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

GJLQ1MC2ZM4

60423

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Unavailable

RPCX2ZB1JNW

60424

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

5JBUP5SAAW2

60427

1073 Condominiums

$0.00

0.000%

Clear Capital

Unavailable

00SLGQSVX4J

60429

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

YVUVM221ZI5

60430

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Not Applicable

5CQN25VY1GK

60431

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

GV5S0JO0OIA

60434

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

HNF1UKBFGOI

60435

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Unavailable

3NH1MSBUU4F

60436

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Yes

4.4

NCTHM4JQQFP

60437

1004 Residential Appraisal

-2.632%

Clear Capital

Unavailable

KW4WFEASK2O

60438

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

4.6

HSSIGUE0BSG

60442

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

FKAR0C3BA5G

60443

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

0LLKADPOFQB

60444

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

UHHE1GRIBUZ

56312

1004 Residential Appraisal

1.132%

1.8

3SIUTLHIGRW

56335

Not Applicable

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Not Applicable

MZR1T4BH1V4

56338

Not Applicable

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Yes

KB125DGIYAQ

60141

1004 Residential Appraisal

$0.00

0.000%

Clear Capital

Unavailable

CII2413MALS

58130

Not Applicable

1025 2-4 Family Property

$0.00

0.000%

Clear Capital

Not Applicable