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 1.01Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

 

Not Applicable

 

Item 1.02Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

 

Not Applicable

 

Item 1.03Notice 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

 

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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

 

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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;

 

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·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;

 

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·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:
oSocial Security inconsistencies
oBorrower name variations
·Employment:
·Licensing – reviewed NMLS data for:
oMortgage lender/originator
oLoan officer
·Occupancy:
oBorrower address history
oSubject 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;

 

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·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

 

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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;

 

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(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);
I.Compliance Documentation Requirements

 

a.Review of the following documents as they related to regulatory compliance:
i.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
v.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)
x.Initial Escrow Account Disclosure
II.Anti-Predatory Lending (Assignee Liability)
a.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
a.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:
i.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,

 

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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.
b.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).
c.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).
d.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.
e.Miscellaneous Compliance Testing:
i.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.

 

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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.

 

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·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.

 

 

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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

 

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(“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:

 

 

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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:
o116 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.
o56 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.
o9 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.

 

 

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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.

 

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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.

 

 

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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%
     

 

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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

 

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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.

 

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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%

 

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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.

 

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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 D A A A A A D A Closed FPRO1244 2021-11-15 12:33 2021-11-17 16:43 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX GA Investment Purchase NA
60499 D A A A A A D A Closed FPRO1244 2021-11-15 12:33 2021-11-17 15:57 Resolved 1 - Information D A 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-11/11/2021
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
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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60516 D A A A A A D A Closed FPRO1244 2021-11-15 12:34 2021-11-17 15:22 Resolved 1 - Information D A 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-11/11/2021
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
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 ATR/QM: Not Applicable XXX PA Investment Purchase NA
60545 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
60571 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NC Investment Purchase NA
60573 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
60546 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX OK Investment Purchase NA
60504 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
60619 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX AZ Investment Purchase NA
60537 D B D B A A D A Closed FCRE1204 2021-12-08 15:19 2021-12-09 09:00 Acknowledged 2 - Non-Material A B 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60537 D B D B A A D A Closed FCRE1201 2021-12-07 11:19 2021-12-08 01:23 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60537 D B D B A A D A Closed FPRO1244 2021-11-19 06:51 2021-11-22 16:28 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60464 D A A A A A D A Closed FPRO1244 2021-11-24 16:58 2021-12-02 09:23 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX MD Investment Refinance Cash Out - Other
60491 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
60493 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
60625 D A C A A A D A Closed FCRE1167 2021-11-29 17:12 2021-12-02 12:38 Resolved 1 - Information C A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60625 D A C A A A D A Closed FCRE1168 2021-11-29 17:13 2021-12-02 12:38 Resolved 1 - Information C A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60625 D A C A A A D A Closed FPRO1244 2021-11-23 17:42 2021-12-02 09:29 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60676 D A A A A A D A Closed FPRO1244 2021-11-24 16:59 2021-12-02 09:13 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60551 D A A A A A D A Closed FPRO1244 2021-11-30 16:31 2021-12-02 08:52 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX MO Investment Refinance Cash Out - Other
60620 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX AR Investment Purchase NA
60630 D A A A D A A A Closed FCOM1232 2021-12-06 15:18 2021-12-07 08:15 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX TX Investment Purchase NA
60630 D A A A D A A A Closed FCOM1220 2021-12-06 15:18 2021-12-07 08:11 Resolved 1 - Information D A 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

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
xxx.PDF ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
60630 D A A A D A A A Closed FCOM1206 2021-12-06 15:19 2021-12-07 08:08 Resolved 1 - Information D A 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

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 ATR/QM: Not Applicable XXX TX Investment Purchase NA
60562 D A A A C A D A Closed FPRO1244 2021-12-02 17:06 2021-12-17 17:24 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60592 D A A A A A D A Closed FPRO1244 2021-12-02 17:06 2021-12-17 17:10 Resolved 1 - Information D A 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
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 Non-QM: Lender documented all ATR UW factors XXX WA Primary Residence Purchase NA
60512 D A A A C A D A Closed FPRO1244 2021-12-06 11:50 2021-12-17 16:10 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
60523 D A A A A A D A Closed FPRO1244 2021-12-06 11:50 2021-12-17 16:33 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Refinance Cash Out - Other
60535 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX AZ Primary Residence Refinance Cash Out - Other
60544 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60543 D A A A C A D A Closed FPRO1244 2021-12-06 12:44 2021-12-17 16:47 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX NJ Primary Residence Purchase NA
60471 C A A A C A A A Closed finding-3631 2021-12-06 13:46 2021-12-07 11:32 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60471 C A A A C A A A Closed finding-3632 2021-12-06 13:46 2021-12-07 11:32 Resolved 1 - Information A A 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
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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60471 C A A A C A A A Closed finding-3634 2021-12-06 13:45 2021-12-07 11:32 Resolved 1 - Information C A 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

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
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
xxx.PDF Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60589 D A A A A A D A Closed FPRO1244 2021-12-06 17:50 2021-12-17 16:17 Resolved 1 - Information D A 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-3rd party product missing from loan file and ordered.  - Due Diligence Vendor-12/06/2021
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
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 ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60608 D A A A A A D A Closed FPRO1244 2021-12-06 17:50 2021-12-17 16:04 Resolved 1 - Information D A 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-3rd party value missing from loan file and ordered - Due Diligence Vendor-12/06/2021
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
ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
60604 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Purchase NA
60607 A A A A A A A A Closed FPRO1244 2021-12-17 15:57 2021-12-17 15:57 Resolved 1 - Information A A 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 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60696 A A A A A A A A Closed FCOM1229 2021-12-20 12:21 2021-12-21 08:30 Resolved 1 - Information A A 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 ATR/QM: Not Applicable XXX OR Investment Purchase NA
60696 A A A A A A A A Closed FPRO1244 2021-12-17 16:07 2021-12-17 16:07 Resolved 1 - Information A A 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 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

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
ATR/QM: Not Applicable ATR/QM: Not Applicable XXX OR Investment Purchase NA
60465 D A A A A A D A Closed FPRO1244 2021-12-06 11:49 2021-12-17 16:00 Resolved 1 - Information D A 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- - Due Diligence Vendor-12/03/2021
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
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 ATR/QM: Not Applicable XXX TX Investment Refinance Cash Out - Other
60466 A A A A A A A A Closed FPRO1244 2021-12-17 15:54 2021-12-17 15:54 Resolved 1 - Information A A 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 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 ATR/QM: Not Applicable XXX TX Investment Refinance Cash Out - Other
60635 D A A A A A D A Closed FPRO1244 2021-12-08 11:23 2021-12-17 15:28 Resolved 1 - Information D A 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-3rd Party product missing from loan file. Order placed.  - Due Diligence Vendor-12/08/2021
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 ATR/QM: Not Applicable XXX VA Investment Refinance Cash Out - Other
60651 D A A A A A D A Closed FPRO1244 2021-12-07 17:50 2021-12-17 15:37 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60685 D A A A A A D A Closed FPRO1244 2021-12-07 17:50 2021-12-17 15:31 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60498 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX GA Investment Refinance Cash Out - Other
60583 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
60646 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX AZ Investment Purchase NA
60680 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX MD Investment Purchase NA
60593 C A C A A A A A Closed FCRE1168 2021-12-07 19:51 2021-12-08 11:08 Resolved 1 - Information C A 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 ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
60587 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NV Investment Refinance Cash Out - Other
60623 D A A A A A D A Closed FPRO1244 2021-12-08 11:22 2021-12-17 15:26 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60639 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60670 D A C A A A D A Closed FCRE1168 2021-12-21 17:43 2021-12-22 00:43 Resolved 1 - Information C A 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 ATR/QM: Not Applicable XXX CA Investment Purchase NA
60670 D A C A A A D A Closed FCOM1229 2021-12-21 10:59 2021-12-21 12:29 Resolved 1 - Information A A 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

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 ATR/QM: Not Applicable XXX CA Investment Purchase NA
60670 D A C A A A D A Closed FPRO1244 2021-12-09 11:45 2021-12-17 15:15 Resolved 1 - Information D A 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
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
ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
60476 D A A A A A D A Closed FPRO1244 2021-12-08 13:17 2021-12-17 15:21 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60694 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX WA Investment Purchase NA
60697 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX MD Investment Purchase NA
60710 C A C A A A A A Closed FCRE1168 2021-12-14 14:59 2021-12-15 08:18 Resolved 1 - Information C A 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 ATR/QM: Not Applicable XXX CA Investment Purchase NA
60722 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NV Investment Purchase NA
60566 D A A A A A D A Closed FPRO1244 2021-12-09 11:29 2022-01-04 17:14 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX SC Investment Purchase NA
60684 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Refinance Cash Out - Other
60691 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
60692 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
60713 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
60729 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60730 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60632 D A A A A A D A Closed FPRO1244 2021-12-09 11:30 2021-12-17 15:07 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX PA Investment Purchase NA
60647 D A A A A A D A Closed FPRO1244 2021-12-09 11:31 2021-12-17 14:18 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX TX Investment Purchase NA
60517 D A A A A A D A Closed FVAL2301 2021-12-28 18:34 2021-12-30 11:43 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Refinance Cash Out - Other
60517 D A A A A A D A Closed FPRO1244 2021-12-10 11:18 2021-12-17 14:59 Resolved 1 - Information D A 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
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
Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Refinance Cash Out - Other
60712 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX OH Investment Purchase NA
60717 D A A A A A D A Closed FPRO1244 2021-12-13 11:45 2021-12-17 14:25 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60720 D A A A A A D A Closed FPRO1244 2021-12-09 15:44 2021-12-17 14:10 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX UT Investment Purchase NA
60525 D A A A C A D A Closed FPRO1244 2021-12-10 15:16 2021-12-17 14:38 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
60590 D A C A C A D A Closed FCRE1168 2021-12-20 12:19 2021-12-21 06:27 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Refinance Cash Out - Other
60590 D A C A C A D A Closed FPRO1244 2021-12-10 13:37 2021-12-17 14:30 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Refinance Cash Out - Other
60609 D A A A C A D A Closed FPRO1244 2021-12-10 11:16 2021-12-17 14:48 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60473 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX NJ Primary Residence Purchase NA
60474 D A A A A A D A Closed FPRO1244 2021-12-13 11:44 2021-12-17 14:13 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Refinance Cash Out - Other
60640 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
60666 D A A A A A D A Closed FPRO1244 2021-12-13 14:33 2021-12-17 14:53 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX AZ Primary Residence Refinance Cash Out - Other
60663 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60695 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX NM Primary Residence Purchase NA
60714 D A A A C A D A Closed FPRO1244 2021-12-13 11:45 2021-12-17 14:45 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60568 D A A A A A D A Closed FPRO1244 2021-12-14 18:40 2021-12-17 13:58 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX UT Primary Residence Refinance Cash Out - Other
60574 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60599 D A A A A A D A Closed FCRE1241 2021-12-09 18:57 2022-03-03 16:54 Resolved 1 - Information A A 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
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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60599 D A A A A A D A Closed FPRO1244 2021-12-14 18:40 2021-12-17 14:02 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60711 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60636 D A A A C A D A Closed FPRO1244 2021-12-14 11:27 2021-12-17 14:06 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60636 D A A A C A D A Closed FPRO7466 2021-12-14 11:27 2021-12-17 14:06 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60661 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX TX Primary Residence Purchase NA
60650 C A A A A A C A Closed FPRO1244 2021-12-17 13:33 2021-12-17 13:33 Resolved 1 - Information A A 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 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Refinance No Cash Out - Borrower Initiated
60650 C A A A A A C A Closed FPRO7466 2021-12-14 18:41 2021-12-17 13:32 Resolved 1 - Information C A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Refinance No Cash Out - Borrower Initiated
60553 C A A A C A A A Closed FPRO1244 2021-12-17 13:46 2021-12-17 13:46 Resolved 1 - Information A A 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 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 Non-QM: Lender documented all ATR UW factors XXX AZ Primary Residence Refinance No Cash Out - Borrower Initiated
60594 D A A A A A D A Closed FPRO1244 2021-12-16 12:31 2021-12-17 13:22 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX ID Primary Residence Purchase NA
60641 D A A A A A D A Closed FPRO1244 2021-12-16 12:32 2021-12-17 13:41 Resolved 1 - Information D A 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-3rd party product missing from loan file - Due Diligence Vendor-12/16/2021
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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60665 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX MD Primary Residence Purchase NA
60703 B A A A B A A A Closed FPRO1244 2021-12-17 13:18 2021-12-17 13:18 Resolved 1 - Information A A 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 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60715 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX OR Primary Residence Purchase NA
60674 D A A A A A D A Closed FPRO1244 2021-12-15 12:09 2021-12-17 11:55 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX CA Investment Purchase NA
60682 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60601 D A A A A A D A Closed FPRO1244 2021-12-15 17:06 2021-12-17 12:54 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60718 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX AZ Primary Residence Purchase NA
60726 D A A A D A A A Closed FPRO1244 2021-12-14 18:53 2021-12-17 11:18 Resolved 1 - Information A A 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
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 ATR/QM: Not Applicable XXX AZ Investment Purchase NA
60726 D A A A D A A A Closed FCOM1224 2021-12-15 14:35 2021-12-17 11:17 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX AZ Investment Purchase NA
60528 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
60548 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX WA Primary Residence Purchase NA
60570 C B A A C B A A Closed FCOM1621 2021-12-15 13:05 2021-12-27 16:22 Acknowledged 2 - Non-Material A B 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 Non-QM: Lender documented all ATR UW factors XXX NJ Primary Residence Purchase NA
60570 C B A A C B A A Closed finding-3532 2021-12-20 19:46 2021-12-21 09:14 Resolved 1 - Information C A 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 Non-QM: Lender documented all ATR UW factors XXX NJ Primary Residence Purchase NA
60570 C B A A C B A A Closed finding-3719 2021-12-16 15:20 2021-12-20 17:00 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX NJ Primary Residence Purchase NA
60570 C B A A C B A A Closed FCOM1220 2021-12-17 17:25 2021-12-20 16:45 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX NJ Primary Residence Purchase NA
60570 C B A A C B A A Closed FCOM1206 2021-12-15 09:33 2021-12-20 16:43 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX NJ Primary Residence Purchase NA
60605 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60678 D A A A D A A A Closed FCOM1544 2021-12-17 15:27 2021-12-20 10:55 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
60678 D A A A D A A A Closed FCOM1621 2021-12-15 15:18 2021-12-20 10:07 Resolved 1 - Information B A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
60678 D A A A D A A A Closed FCOM1220 2021-12-17 15:27 2021-12-20 10:05 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
60678 D A A A D A A A Closed FCOM1111 2021-12-17 15:27 2021-12-20 09:58 Resolved 1 - Information C A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
60678 D A A A D A A A Closed FCOM1206 2021-12-17 15:27 2021-12-20 09:58 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
60709 D A A A A A D A Closed FPRO1244 2021-12-16 12:28 2021-12-21 09:52 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
60728 D A A A D A D A Closed FPRO1244 2021-12-17 11:46 2021-12-27 16:12 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60728 D A A A D A D A Closed FCOM1227 2021-12-17 14:48 2021-12-27 16:11 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60728 D A A A D A D A Closed finding-3532 2021-12-21 11:10 2021-12-22 09:22 Resolved 1 - Information C A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60728 D A A A D A D A Closed FCOM1512 2021-12-17 14:48 2021-12-20 11:15 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60728 D A A A D A D A Closed FCOM1544 2021-12-17 14:48 2021-12-20 10:55 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60728 D A A A D A D A Closed FCOM1621 2021-12-17 14:48 2021-12-20 10:51 Resolved 1 - Information B A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60728 D A A A D A D A Closed FCOM1220 2021-12-17 14:47 2021-12-20 10:49 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60728 D A A A D A D A Closed FCOM1206 2021-12-17 14:47 2021-12-20 10:48 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60675 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Purchase NA
60704 D A A A A A D A Closed FPRO1244 2021-12-21 16:49 2021-12-27 15:45 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60706 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX OK Investment Purchase NA
51253 D A C A A A D A Closed FPRO1244 2021-08-27 16:20 2021-09-15 12:54 Resolved 1 - Information D A 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
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 22 Are Greater Than The Guideline Minimum Of 6 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 - 5 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More
Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX IL Primary Residence Refinance Cash Out - Other
51253 D A C A A A D A Closed FCRE1198 2021-08-27 19:58 2021-09-07 13:13 Resolved 1 - Information C A 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

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 22 Are Greater Than The Guideline Minimum Of 6 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 - 5 Years

Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More
Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX IL Primary Residence Refinance Cash Out - Other
60733 C A A A C A A A Closed finding-3631 2021-12-03 21:19 2021-12-07 21:16 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount 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. LOE/PCCD and refund check sent regular mail - please see attached 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 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. ****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 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-11/09/2021
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 Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Purchase NA
60733 C A A A C A A A Closed finding-3632 2021-12-03 21:20 2021-12-07 21:16 Resolved 1 - Information C A 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

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 Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Purchase NA
60733 C A A A C A A A Closed finding-3634 2021-12-03 21:19 2021-12-07 21:16 Resolved 1 - Information C A 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

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 Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Purchase NA
60855 D A A A D A A A Closed FCOM1232 2021-11-22 20:18 2021-12-09 02:19 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX MI Primary Residence Purchase NA
60855 D A A A D A A A Closed FCOM1206 2021-11-22 20:19 2021-11-24 18:23 Resolved 1 - Information D A 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

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 Non-QM: Lender documented all ATR UW factors XXX MI Primary Residence Purchase NA
60855 D A A A D A A A Closed FCOM1544 2021-11-22 20:17 2021-11-24 18:11 Resolved 1 - Information D A 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

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 Non-QM: Lender documented all ATR UW factors XXX MI Primary Residence Purchase NA
60855 D A A A D A A A Closed FCOM1621 2021-11-22 20:18 2021-11-23 17:08 Resolved 1 - Information B A 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

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 Non-QM: Lender documented all ATR UW factors XXX MI Primary Residence Purchase NA
60819 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX TX Investment Purchase NA
60823 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60732 C A A A C A A A Closed FCOM1252 2021-11-19 19:15 2021-11-22 20:42 Resolved 1 - Information C A 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 Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Refinance No Cash Out - Borrower Initiated
60732 C A A A C A A A Closed finding-3634 2021-11-17 19:09 2021-11-22 20:41 Resolved 1 - Information A A 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
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

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
Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Refinance No Cash Out - Borrower Initiated
60732 C A A A C A A A Closed finding-3631 2021-11-17 19:09 2021-11-22 20:41 Resolved 1 - Information C A 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

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
Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Refinance No Cash Out - Borrower Initiated
60732 C A A A C A A A Closed finding-3632 2021-11-17 19:09 2021-11-22 20:41 Resolved 1 - Information C A 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

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
Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Refinance No Cash Out - Borrower Initiated
60840 C A A A C A A A Closed FCOM1209 2021-11-16 12:50 2021-12-30 02:34 Resolved 1 - Information A A 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 ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Home Improvement/Reno
60840 C A A A C A A A Closed FCOM3596 2021-12-28 17:53 2021-12-29 11:44 Resolved 1 - Information A A 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 ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Home Improvement/Reno
60822 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60742 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60748 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60749 D A A A D A A A Closed FCOM1274 2021-12-01 19:29 2021-12-02 16:12 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60821 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
60825 D A A A A A D A Closed FPRO1242 2021-11-30 16:54 2021-12-01 19:34 Resolved 1 - Information D A 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 Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Purchase NA
60829 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NM Investment Refinance Cash Out - Other
60831 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NM Investment Refinance Cash Out - Home Improvement/Reno
60832 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NM Investment Refinance Cash Out - Other
60833 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NM Investment Refinance Cash Out - Other
60834 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX NM Investment Refinance Cash Out - Other
60795 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
60828 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
60838 B A A A B A A A Closed FCOM1621 2021-12-13 22:02 2021-12-14 15:38 Resolved 1 - Information B A 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 ATR/QM: Not Applicable XXX FL Investment Refinance Cash Out - Other
60869 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
60913 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
60769 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
60792 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60793 C A A A C A A A Closed FCOM1233 2021-12-09 23:39 2021-12-10 18:05 Resolved 1 - Information A A 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 ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Home Improvement/Reno
60808 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
60890 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX MD Investment Purchase NA
60894 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX MD Investment Purchase NA
60919 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
60775 D A A A D A A A Closed FCOM1228 2021-12-08 21:11 2021-12-09 12:48 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX CA Investment Purchase NA
60776 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
60920 C A B A C A A A Closed FCRE1183 2021-12-13 16:54 2021-12-14 16:18 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60739 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CO Primary Residence Purchase NA
60774 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
60783 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60910 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
60914 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX FL Primary Residence Refinance No Cash Out - Borrower Initiated
60922 D A A A D A A A Closed FCOM1233 2021-12-28 01:15 2021-12-28 16:39 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX CA Investment Purchase NA
60754 D A D A A A A A Closed FCRE1964 2021-12-16 16:45 2021-12-20 13:52 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX CO Investment Refinance No Cash Out - Borrower Initiated
60754 D A D A A A A A Closed FCRE1503 2021-12-16 16:52 2021-12-20 13:45 Resolved 1 - Information A A 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 ATR/QM: Not Applicable XXX CO Investment Refinance No Cash Out - Borrower Initiated
60754 D A D A A A A A Closed FCRE7347 2021-12-16 16:53 2021-12-20 13:44 Resolved 1 - Information A A 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 ATR/QM: Not Applicable XXX CO Investment Refinance No Cash Out - Borrower Initiated
60754 D A D A A A A A Closed FCRE7497 2021-12-16 16:53 2021-12-20 13:43 Resolved 1 - Information A A 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 ATR/QM: Not Applicable XXX CO Investment Refinance No Cash Out - Borrower Initiated
60762 A A A A A A A A Closed FCOM5413 2021-12-16 16:57 2021-12-17 17:00 Resolved 1 - Information A A 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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60815 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60830 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX AZ Investment Refinance Cash Out - Other
60900 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX MD Investment Purchase NA
60921 A A A A A A A A Closed FCOM7646 2021-12-15 16:59 2021-12-27 13:01 Resolved 1 - Information A A 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
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 ATR/QM: Not Applicable XXX FL Investment Purchase NA
60771 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
60848 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX NV Primary Residence Refinance Cash Out - Other
57762 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
57758 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
57770 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
57771 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
57782 A A A A A A A A Closed finding-3632 2021-11-16 23:07 2021-11-16 23:11 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
57782 A A A A A A A A Closed finding-3634 2021-11-16 23:07 2021-11-16 23:11 Resolved 1 - Information A A 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 $187.50.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-11/16/2021 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 $187.50.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-11/16/2021

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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
57782 A A A A A A A A Closed finding-3631 2021-11-16 23:07 2021-11-16 23:11 Resolved 1 - Information A A 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

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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
57762 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
57758 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
57770 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
57771 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
57782 A A A A A A A A Closed finding-3632 2021-11-16 23:07 2021-11-16 23:11 Resolved 1 - Information A A 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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
57782 A A A A A A A A Closed finding-3634 2021-11-16 23:07 2021-11-16 23:11 Resolved 1 - Information A A 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 $187.50.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-11/16/2021 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 $187.50.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-11/16/2021

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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
57782 A A A A A A A A Closed finding-3631 2021-11-16 23:07 2021-11-16 23:11 Resolved 1 - Information A A 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

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 Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
56357 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
56377 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
56378 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance No Cash Out - Borrower Initiated
56392 D A A A A A D A Closed FPRO1244 2021-10-18 22:14 2021-10-26 05:16 Resolved 1 - Information D A 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 ATR/QM: Not Applicable XXX CA Investment Purchase NA
56390 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA
56399 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Second Home Purchase NA
56391 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance Cash Out - Other
56417 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Purchase NA
56405 A A A A A A A A A A Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XXX CA Primary Residence Refinance Cash Out - Other
56403 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Refinance No Cash Out - Borrower Initiated
56422 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX FL Investment Purchase NA
56428 A A A A A A A A A A ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CO Investment Refinance No Cash Out - Borrower Initiated
56423 D A A A A A D A Closed FPRO1244 2021-10-22 20:54 2021-10-26 19:03 Resolved 1 - Information D A 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
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 18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months
xxx.PDF ATR/QM: Not Applicable ATR/QM: Not Applicable XXX CA Investment Purchase NA

 

 


 

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 A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60499     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60516     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60545     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60571     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60573     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60546     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60504     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60619     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60537     XXX D D D D D A A A A A D D D D D D D D D D B B B B B A A A A A A A A A A B B B B B
60464     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60491     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60493     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60625     XXX C C C C C A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60676     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60551     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60620     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60630     XXX A A A A A D D D D D A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
60562     XXX A A A A A C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60592     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60512     XXX A A A A A C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60523     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60535     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60544     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60543     XXX A A A A A C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60471     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60589     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60608     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60604     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60607     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60696     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60465     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60466     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60635     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60651     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60685     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60498     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60583     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60646     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60680     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60593     XXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60587     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60623     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60639     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60670     XXX C C C C C A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60476     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60694     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60697     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60710     XXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60722     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60566     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60684     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60691     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60692     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60713     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60729     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60730     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60632     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60647     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60517     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60712     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60717     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60720     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60525     XXX A A A A A C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60590     XXX C C C C C C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60609     XXX A A A A A C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60473     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60474     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60640     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60666     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60663     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60695     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60714     XXX A A A A A C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60568     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60574     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60599     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60711     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60636     XXX A A A A A C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60661     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60650     XXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
60553     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60594     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60641     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60665     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60703     XXX A A A A A B B B B B A A A A A B B B B B A A A A A A A A A A A A A A A A A A A A
60715     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60674     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60682     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60601     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60718     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60726     XXX A A A A A D D D D D A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
60528     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60548     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60570     XXX A A A A A C C C C C A A A A A C C C C C A A A A A B B B B B A A A A A B B B B B
60605     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60678     XXX A A A A A D D D D D A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
60709     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60728     XXX A A A A A D D D D D D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60675     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60704     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60706     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
51253     XXX C C C C C A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60733     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60855     XXX A A A A A D D D D D A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
60819     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60823     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60732     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60840     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60822     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60742     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60748     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60749     XXX A A A A A D D D D D A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
60821     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60825     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
60829     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60831     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60832     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60833     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60834     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60795     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60828     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60838     XXX A A A A A B B B B B A A A A A B B B B B A A A A A A A A A A A A A A A A A A A A
60869     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60913     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60769     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60792     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60793     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60808     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60890     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60894     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60919     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60775     XXX A A A A A D D D D D A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
60776     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60920     XXX B B B B B C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60739     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60774     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60783     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60910     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60914     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60922     XXX A A A A A D D D D D A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
60754     XXX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
60762     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60815     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
60830     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60900     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60921     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60771     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60848     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57762     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57758     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57770     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57771     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57782     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56357     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56377     XXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
56378     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56392     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
56390     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56399     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56391     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56417     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56405     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56403     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56422     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56428     XXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56423     XXX A A A A A A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A

 

 


 

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 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60499 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60516 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60545 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.029 94 XXX N/A
60571 XXX XXX XXX XXX XXX XXX XXX XXX XXX .010 96 XXX N/A
60573 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.013 97 XXX N/A
60546 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.006 95 XXX N/A
60504 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.014 97 XXX N/A
60619 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 98 XXX N/A
60537 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60464 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60491 XXX XXX XXX XXX XXX XXX XXX XXX .032 90 XXX N/A
60493 XXX XXX XXX XXX XXX XXX XXX XXX XXX .004 94 XXX N/A
60625 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60676 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60551 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60620 XXX XXX XXX XXX XXX XXX XXX XXX XXX .012 96 XXX N/A
60630 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.036 97 XXX N/A
60562 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60592 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60512 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60523 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60535 XXX XXX XXX XXX XXX XXX XXX XXX -.070 93 XXX N/A
60544 XXX XXX XXX XXX XXX XXX XXX XXX -.055 94 XXX N/A
60543 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX 1004 URAR XXX XXX .000 XXX Low XXX N/A
60471 XXX XXX XXX XXX XXX XXX XXX XXX .026 92 XXX N/A
60589 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60608 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60604 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.034 96 XXX N/A
60607 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60696 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60465 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60466 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60635 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60651 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60685 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.095 50 XXX XXX XXX .000 XXX Moderate XXX N/A
60498 XXX XXX XXX XXX XXX XXX XXX XXX .071 93 XXX N/A
60583 XXX XXX XXX XXX XXX XXX XXX XXX XXX .010 95 XXX N/A
60646 XXX XXX XXX XXX XXX XXX XXX XXX XXX .001 97 XXX N/A
60680 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.035 94 XXX N/A
60593 XXX XXX XXX XXX XXX XXX XXX XXX -.080 90 XXX N/A
60587 XXX XXX XXX XXX XXX XXX XXX XXX .094 94 XXX N/A
60623 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60639 XXX XXX XXX XXX XXX XXX XXX XXX .012 96 XXX N/A
60670 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60476 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60694 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.047 94 XXX N/A
60697 XXX XXX XXX XXX XXX XXX XXX XXX XXX .084 86 XXX N/A
60710 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.094 97 XXX N/A
60722 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.018 93 XXX N/A
60566 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.058 85 XXX XXX XXX .000 XXX Moderate XXX N/A
60684 XXX XXX XXX XXX XXX XXX XXX XXX -.065 93 XXX N/A
60691 XXX XXX XXX XXX XXX XXX XXX XXX XXX .015 94 XXX N/A
60692 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.022 94 XXX N/A
60713 XXX XXX XXX XXX XXX XXX XXX XXX XXX .022 90 XXX N/A
60729 XXX XXX XXX XXX XXX XXX XXX XXX .043 93 XXX N/A
60730 XXX XXX XXX XXX XXX XXX XXX XXX XXX .039 91 XXX N/A
60632 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60647 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60517 XXX XXX XXX XXX XXX XXX XXX XXX .040 68 XXX XXX XXX .000 XXX Moderate XXX N/A
60712 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.061 93 XXX N/A
60717 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60720 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60525 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60590 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60609 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60473 XXX XXX XXX XXX XXX XXX XXX XXX XXX .003 94 XXX N/A
60474 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60640 XXX XXX XXX XXX XXX XXX XXX XXX XXX .060 94 XXX N/A
60666 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60663 XXX XXX XXX XXX XXX XXX XXX XXX -.010 95 XXX N/A
60695 XXX XXX XXX XXX XXX XXX XXX XXX XXX .019 94 XXX N/A
60714 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60568 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.009 75 XXX XXX XXX .000 XXX Moderate XXX N/A
60574 XXX XXX XXX XXX XXX XXX XXX XXX -.025 90 XXX N/A
60599 XXX XXX XXX XXX XXX XXX XXX XXX XXX .004 XXX 1004 URAR XXX XXX .004 XXX Low XXX N/A
60711 XXX XXX XXX XXX XXX XXX XXX XXX XXX .010 96 XXX N/A
60636 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60661 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.054 92 XXX N/A
60650 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60553 XXX XXX XXX XXX XXX XXX XXX XXX -.052 61 XXX XXX XXX .000 XXX Moderate XXX N/A
60594 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60641 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60665 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.013 97 XXX N/A
60703 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60715 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.016 94 XXX N/A
60674 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60682 XXX XXX XXX XXX XXX XXX XXX XXX .135 91 XXX N/A
60601 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60718 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.092 94 XXX N/A
60726 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.020 82 XXX XXX XXX .000 XXX Moderate XXX N/A
60528 XXX XXX XXX XXX XXX XXX XXX XXX -.048 91 XXX N/A
60548 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 95 XXX N/A
60570 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.016 95 XXX N/A
60605 XXX XXX XXX XXX XXX XXX XXX XXX .010 97 XXX N/A
60678 XXX XXX XXX XXX XXX XXX XXX XXX XXX -.032 93 XXX N/A
60709 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60728 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60675 XXX XXX XXX XXX XXX XXX XXX XXX XXX .020 95 XXX N/A
60704 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60706 XXX XXX XXX XXX XXX XXX XXX XXX XXX .066 99 XXX N/A
51253 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60733 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60855 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60819 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60823 XXX XXX XXX XXX XXX XXX XXX XXX .045 XXX 1025 Small Residential Income Report XXX XXX .000 XXX Adequate XXX N/A
60732 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60840 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60822 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60742 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60748 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60749 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60821 XXX XXX XXX XXX XXX XXX XXX XXX .061 XXX 1004 URAR XXX XXX .000 XXX Adequate XXX N/A
60825 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60829 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60831 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60832 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60833 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60834 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60795 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60828 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60838 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60869 XXX XXX XXX XXX XXX XXX XXX XXX .006 XXX 1004 URAR XXX XXX .000 XXX Adequate XXX N/A
60913 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60769 XXX XXX XXX XXX XXX XXX XXX XXX .389 XXX Adequate XXX N/A
60792 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60793 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60808 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60890 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60894 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60919 XXX XXX XXX XXX XXX XXX XXX XXX XXX .020 XXX 1004 URAR XXX XXX .000 XXX Low XXX N/A
60775 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60776 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60920 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60739 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60774 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX 1004 URAR XXX XXX .000 XXX Moderate XXX N/A
60783 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60910 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60914 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60922 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60754 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60762 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
60815 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60830 XXX XXX XXX XXX XXX XXX XXX XXX .101 XXX Adequate XXX N/A
60900 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Low XXX N/A
60921 XXX XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60771 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Moderate XXX N/A
60848 XXX XXX XXX XXX XXX XXX XXX XXX .000 XXX Adequate XXX N/A
57762 XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
57758 XXX XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
57770 XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
57771 XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
57782 XXX XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56357 XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56377 XXX XXX XXX XXX XXX XXX XXX XXX 0.03424657534246575 XXX 1004 URAR XXX XXX 0.03424657534246575 XXX Adequate XXX N/A
56378 XXX XXX XXX XXX XXX XXX XXX XXX 0.022494887525562373 XXX 1004 URAR XXX XXX 0.022494887525562373 XXX Adequate XXX N/A
56392 XXX XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56390 XXX XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56399 XXX XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56391 XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56417 XXX XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56405 XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56403 XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56422 XXX XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56428 XXX XXX XXX XXX XXX XXX XXX XXX 0.0 XXX Adequate XXX N/A
56423 XXX XXX XXX XXX XXX XXX XXX XXX 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 ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60499     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60516     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60545     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60571     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60573     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60546     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60504     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   Yes   Yes Present
60619     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60537     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60464     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No No 5886 4.007 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60491     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.226% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60493     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No No Yes Present
60625     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60676     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60551     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.710% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60620     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60630     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60562     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes Yes No No false  No No No No No 7931 4.556 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60592     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 6545 4.443 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No N/A
60512     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No Yes 9625.5 4.528 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60523     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No No 5300 5.512 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
60535     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No Yes 6073.13 4.939 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60544     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No No 10800 5.611 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Retired Retired No No No N/A
60543     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No Yes 59998.5 5.911 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60471     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No No 14945 5.993 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No N/A
60589     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     3.974% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60608     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60604     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed Yes Yes Yes Present
60607     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   Yes   Yes Present
60696     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60465     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.623% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60466     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.651% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60635     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.543% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60651     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60685     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60498     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.074% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60583     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   Yes   Yes Present
60646     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   Yes   Yes Present
60680     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60593     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60587     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.062% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No   Yes Present
60623     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60639     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No true No No No No     4.788% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60670     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No No Yes Present
60476     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.081% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60694     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60697     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60710     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No true No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60722     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60566     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60684     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60691     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60692     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60713     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60729     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 2270 3.556 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60730     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60632     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60647     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60517     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No No 3300 4.072 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60712     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60717     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60720     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed Employed No No Yes Present
60525     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes Yes No No false  No No No No Yes 9230.08 5.839 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
60590     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No Yes 33560 3.521 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60609     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Qualifying DTI Exceeds 43% Not Tested Yes Yes No No false  No No No No No 1593.75 5.33 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60473     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No No 5694 5.635 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60474     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 2795 3.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60640     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 4676.25 3.529 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60666     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 6439.5 3.95 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No N/A
60663     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No No 11080 3.259 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60695     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No Yes 6191.38 4.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Not Employed Not Employed No No No N/A
60714     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes Yes No No false  No No No No No 10689.95 4.841 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60568     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 7065 4.408 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
60574     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No No 10400 5.388 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60599     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 16835 3.841 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60711     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 11858.75 3.943 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60636     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No Yes 46200 3.943 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No N/A
60661     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 5143.75 3.91 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60650     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 13187.5 4.131 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60553     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No true No No No No No 14595 4.674 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60594     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No No 9970.62 3.96 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60641     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No No 20000 3.356 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60665     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No No 15000 3.692 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No N/A
60703     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 10070 5.049 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60715     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 9918 3.984 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60674     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60682     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No     4.067% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60601     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 9750 4.218 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No N/A
60718     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No No 12732.5 6.081 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60726     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No true No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed Employed No   Yes Present
60528     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No No 5615 3.251% Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60548     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 11637 3.834 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60570     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 8175 4.366 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60605     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No No 10092.5 6.285 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
60678     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 10502.75 4.165 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Not Employed   No   No N/A
60709     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 10045 3.894 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60728     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No No 12400 5.092% Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60675     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No No 7799 4.330% Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
60704     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60706     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
51253     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No       Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60733     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No   4316 3.444 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Not Employed Employed No No No N/A
60855     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes Yes No No false  No No No No   13475.69 4.694 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60819     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60823     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes N/A No No true Yes No No No   36950.47 5.157 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60732     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only Not Tested Yes No No No true No No No No   2476.08 3.202 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60840     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes N/A No No false  Yes No No No   7583.75 5.435 Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60822     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No true Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
60742     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60748     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60749     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes N/A No No false  Yes No No No   3285.69 4.548 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60821     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No true No No No No   24255 3.624 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60825     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes Yes No No false  No No No No   7235 5.036 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60829     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
60831     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes N/A No No false  No No No No   5228 4.327 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
60832     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60833     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes N/A No No false  No No No No   6081.88 4.369 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60834     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60795     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60828     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No   9931.25 3.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
60838     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60869     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60913     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60769     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60792     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No   3208 4.682 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Not Employed Employed No No No N/A
60793     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes N/A No No false  Yes No No No   14076 5.092 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed Not Employed No No Yes Present
60808     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60890     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
60894     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60919     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No true No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60775     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No true Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60776     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No true No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed Employed No No Yes Present
60920     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No Yes No No false  No No No No   11535 4.378 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60739     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No true No No No No   1374.6 3.393 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
60774     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Qualifying DTI Exceeds 43% Not Tested No No No No false  No No No No   1910 3.771 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No N/A
60783     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No true No No No No   3911 4.922 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60910     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No true Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60914     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No false  No No No No   10082 3.909 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
60922     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
60754     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Retired Not Employed No No Yes Present
60762     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60815     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only Not Tested Yes No No No true No No No No   1811 4.016 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
60830     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
60900     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
60921     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
60771     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only Not Tested Yes No No No true No No No No   2297.4 3.912 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Not Employed Employed No No No N/A
60848     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only Not Tested Yes No No No true No No No No   26859 4.028 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
57762     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
57758     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No true No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
57770     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No   27000.65 3.116 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
57771     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Not Employed   No   Yes Present
57782     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No   9846.95 3.99 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
56357     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No N/A No No false  Yes No No No   1421.00 4.734 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
56377     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No   29969.00 3.006 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
56378     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No true No No No No   44640.54   Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
56392     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No   No No true No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No No Yes Present
56390     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No   No No false  Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
56399     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No N/A No No true No No No No   8012.20 3.29 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No N/A
56391     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No No No No false  Yes No No No   7045.00   N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
56417     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No true No No No No   39539.31 4.03 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No N/A
56405     XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested No No No No false  No No No No   16806.00 3.701 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No   No N/A
56403     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No   No No true Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
56422     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No   No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed Not Employed No No Yes Present
56428     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No   No No false  No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Retired   No   Yes Present
56423     XXX ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested No   No No true Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   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

 

MFA 2022-NQM2 Due Diligence Narrative ReportPage | 1May 9, 2022

 

 

 

 

 

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%

 

 

MFA 2022-NQM2 Due Diligence Narrative ReportPage | 2May 9, 2022

 

 

 

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.

 

 

 

 

MFA 2022-NQM2 Due Diligence Narrative ReportPage | 3May 9, 2022

 

 

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

 

 

MFA 2022-NQM2 Due Diligence Narrative ReportPage | 4May 9, 2022

 

 

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.

MFA 2022-NQM2 Due Diligence Narrative ReportPage | 5May 9, 2022

 

 

Following the June 15th 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

 

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 (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:

1.Narrative Report
2.ASF Upload Report
3.Non ATR QM Upload
4.Conditions Report
5.Valuation Summary
6.Loan Level Tape Compare
7.Waived Conditions Summary
8.Attestation Forms
9.15E 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.

A.Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:
oDTI
oLTV/TLTV/HLTV
oCredit score
oIncome and employment
oAssets and reserves
oProperty type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence
oBorrower eligibility, including:

-    Citizenship status

-    Non- occupant co-borrower

oTransaction eligibility, including:

-    Maximum loan amount

-    Loan purpose

-    Occupancy

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

 

B.As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:
oUniform 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
oEmployment 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)
-Other documentation in loan file
oIncome review included:
-Required income documentation for all borrowers was present and within required time period
-Documents did not appear to have been altered or inconsistent
-IRS Form 4506-T
§Signed by all borrowers and processed by the originator
§Compared IRS tax transcripts to income documentation and noted any inconsistencies
-Income was recalculated and was documented with applicable documentation, including:
§Tax returns
§Financial statements
§Paystubs
§W-2s
§1099

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§IRS documents
§Bank statements
§Lease agreements
§Award letters
§Other documentation in loan file
oAsset review included:
-Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:
§Verification of deposits (VOD)
§Depository account statements
§Stock or security account statements
§Gift funds
§Settlements statements
§Other evidence of conveyance and transfer of funds, if a sale of assets was involved
§Other documentation in loan file
-Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds
oCredit Report review included:
-Complete copy of report was in loan file
-Report was dated within required timeframe
-All borrowers were included in the report
-Checked any fraud alerts against related loan file documentation
-Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation
-Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation
-Captured and utilized appropriate credit score for guideline review
oTitle policy review included:
-Title interest – determined if
§Fee simple
§Leasehold estate
-Appropriate vestee(s) were listed on title policy
-Amount of coverage was greater than or equal to the original principal amount of the mortgage
-Applicable title endorsements were present
-Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction
-Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)
-Captured monthly tax payments in debt ratio calculation
oHUD1 (Settlement Statement) review included:
-Funds to close identified and analyzed against borrower’s assets
-Seller contributions did not exceed maximum allowed
-Subject property, seller and borrower aligned with other loan documentation
-Disbursements and pay-offs included in debt ratio calculations
-Loan purpose confirmed
oHazard/Flood insurance review included:
-Verified presence of required hazard insurance and flood insurance (if required)
-Confirmed that any required insurance was for the:
§Correct borrower
§Correct property

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§Correct lender
§Correct loan number
§Life of loan, if flood insurance required
-Confirmed that any required insurance minimum coverage amount and policy period
-Reviewed for evidence that any required insurance policy premium was paid
-Confirmed that the mortgagee clause listed the lender’s name and “it’s successors and assigns”
-Confirmed that the payment amount on any required insurance was included in the debt ratio calculation
oMortgage Insurance review included:
-Determined if mortgage insurance is required
-Captured mortgage insurance name, certificate # and percentage guarantee (when required)

 

C.For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped “true and certified copy” by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

 

D.For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan file to identify and address any potential misrepresentations including:
oBorrower identity
-Social Security inconsistencies
-Borrower name variations
oOccupancy
-Borrower address history
-Subject property ownership history
oEmployment
oLicensing – reviewed NMLS data for:
-Mortgage lender/originator
-Loan officer
oOFAC

Appendix B: Origination Appraisal Assessment

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A.Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:
oAppraisal report used standard GSE forms, appropriate to the property type:
-FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)
-FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)
-FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD
-FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units
-FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review
-FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

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oAppraisal report was reasonably complete and included:
-Appraisal report form, certification, statement of limiting conditions and scope of work
-Accurate identification of the subject property
-Accurate identification of the subject loan transaction
-Accurate identification of the property type, in both land and improvements
-All required attachments including:
§Subject front, rear and street photos and valued features
§Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance
§Photos of all comparable sales and listings
§Location map
§Exterior sketch of property with dimensions
§1004MC Market Conditions Report
-Evidence that appraisal report was made “As Is” or provided satisfactory evidence of completion for all material conditions
-Appraisal date met supplied Sponsor Acquisition Criteria
-If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria
B.Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:
oTitle XI of FIRREA:
-Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser’s license included in the appraisal.
-Reviewed for the presence of any “red flags” related to the mortgaged property that may have posed a risk to the property or occupants
oUSPAP
-Confirmed that the appraiser’s certification is present and executed within the original appraisal.
C.Reviewed and graded the appraisal valuation to the following criteria:
oAppraised value was reasonably supported. Utilized the following review in making value supported determination:
-Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained
-Comps used were reasonably recent in transaction date and if not the reason was furnished
-Comps used were reasonably similar to the subject property and if not an explanation was supplied
-Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished
-Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.
oProperty was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property
oAppraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:
-Appraisal was made on an “As Is” basis or provides satisfactory evidence of completion of all material conditions
-Property usage was reviewed for zoning compliance
-Property utilization was reviewed to determine it was “highest and best use”
-Neighborhood values were reviewed to determine if declining

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-Market conditions were reviewed to determine indication of possible marketability issues:
§Location
§% built up
§Growth rate
§Demand/supply
§Marketing time
§Predominant occupancy
-Physical condition of the property was reviewed to determine that the property condition was average or better
-Style of property was reviewed to determine if unique property
-Any health and safety issues were noted and/or remediated
-Locational and/or environmental concerns adequately addressed if present

 

D.Property Eligibility Criteria – Clayton reviewed the property to determine that the property met the client supplied eligibility requirements. Examples of ineligible property types may include:
o3 to 4 unit owner occupied properties
o2 to 4 unit second homes
oUnwarrantable or limited review condominiums
oManufactured or mobile homes
oCondotel units
oUnique properties
oWorking farms, ranches or orchards
oMixed-use properties
oProperties subject to existing oil or gas leases
oProperties located in Hawaii Lava Zones 1 and 2
oProperties exceeding Sponsor Acquisition Criteria requirements for excess acreage

 

E.Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.
oIf the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

 

F.Disclaimer
oThe individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute “appraisal reviews” for purposes of USPAP or Federal or State law.
oClayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness
oClayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property
oClayton is not a ‘creditor’ within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.
oClayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

 

 

 

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Appendix C: Regulatory Compliance Review Scope

This appendix provides an overview of Clayton’s proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton’s state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton’s proprietary due diligence platform, eCLAS.

 

Federal Law

 

A.RESPA and Regulation X: Loan level analysis on the following:
oGFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory on January 1, 2010
oInitial Good Faith Estimate, (GFE): timing and content of the initial disclosure
oFinal GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation within the loan file
oFinal HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note
oFinal GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.
oAffiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower
oHomeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application
B.Truth in Lending Act and Regulation Z - Loan level analysis on the following:
oTIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.
oMortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)
oARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file
oRight of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)
oHigh Cost mortgage thresholds for points and fees (Section 32)
oHigh Cost Prohibited Acts and Practices upon request (Section 33)
oHigher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)
oProhibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)
oATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)
oTILA/RESPA Integrated Disclosures (“TRID”)

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§Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate (“LE”) and Closing Disclosure (“CD”)
§Pre-application Requirement Testing:
·Pre-application forms cannot look similar to the LE
·Pre-application forms must contain the required disclaimer (“Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan”).
§Timing Requirements:
·The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.
·The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.
·That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.
§Fee Tolerances:
·Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.
·If a credit or refund is made, that it is sufficient to cover Clayton’s calculated under-disclosure.
§Payment Schedule Accuracy:
·The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton’s calculated payment schedule.
·Interest-only periods and final balloon payments are accurately completed.
·The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.
·When applicable, that the AIR and AP tables are consistent with Clayton’s calculations.
§Accuracy of the Loan Calculations
·Amount Financed
·Finance Charge
·Total of Payments
·Total interest percentage
§Technical Requirements
·Compliance with the TRID rounding rules.
·Compliance with specified formatting requirements.
·Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).
·Alphabetization of fees.
·Title fees preceded by “Title –.”
·Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.
§Consistency within and across forms
·Once a fee is disclosed it must remain substantially the same name across disclosures.
·Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.
·Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

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·Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.
§Completion of the LE and CD
·All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.
·For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.
·That there is either a signature or a Loan Acceptance statement on the form.
§Waivers
·Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.
§Corrected CD requiring a new waiting period
·Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.
·Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.
·Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.
§Post-Close CD’s
·Corrected CD’s provided with a post-close refund.
·Post-close CD’s to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.
·Post-close CD’s to correct non-numerical clerical errors required within 60 days of consummation.
§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.

 

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

 

D.HMDA – Whether the loans is Rate Spread threshold reportable.

 

 

 

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STATE, COUNTY and MUNICIPAL LAW

A.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  

 

B.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  

 

C.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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D.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  

 

E.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:

F.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.

 

 

© 2022 Clayton Services LLC. All rights reserved.

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

 

MFA 2022-NQM2 Due Diligence Narrative ReportPage | 21May 9, 2022

 

 


 

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 WA (No Data) ATR/QM: Exempt B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No Borrower owns 22 properties, 8 are financed with Lender which exceeds GL max of 4, lender did provide a approved exception.  (No Data) (No Data) (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 GA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 60%; max allowed per guidelines is 70%.
60472 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B A A A A B B B B A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No 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 MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No  # of Tradelines Does Not Meet Guideline Requirements. Yes, currently 2 GL require 3.  (No Data) (No Data) (No Data) 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%.
26705 XXXXXX FL (No Data) ATR/QM: Exempt C A A A C A A A C A A A C A A A Property Valuations Appraisal Satisfied N/A A N/A A PRVAAPPR3116 Missing updated valuation No 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 FL (No Data) ATR/QM: Exempt C A A A C A A A C A A A C A A A Property Valuations FEMA Satisfied C A C A PRVAFEMA4817 Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) No 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 NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt B B A A B B A A B B A A B B A A Property Valuations FEMA Active B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Missing subsequent inspections a result of the XXX (No Data) (No Data) (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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A C A A A C A A A C A A A Property Valuations FEMA Satisfied C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No 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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A Property Valuations Appraisal Satisfied A A A A PRVAAPPR3116 Missing updated valuation No 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 TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A D A C B D B A A D A C B Compliance Finance Charge Tolerance Satisfied C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No 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 TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A D A C B D B A A D A C B Compliance Finance Charge Tolerance Satisfied C B C B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No 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 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 TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A D A C B D B A A D A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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 No 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) (No Data) Numeric 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 TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A D A C B D B A A D A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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 No 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) (No Data) Numeric 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 TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A D A C B D B A A D A C B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 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.
51275 XXXXXX FL (No Data) ATR/QM: Exempt B B B B A A A A B B B B A A A A Credit Application Active B B B B CRDAPP5430 FNMA Application Form is Outdated No Application taken on XXX and completed on the old form 1003 and not on the new XXX form dated XXX. (No Data) (No Data) Not Applicable 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 FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt B B B B A A B B B B B B A A B B Compliance Documentation Active B B B B CMPDOC2860 TILA - Loan Originator Organization Name or ID missing from application. No N/A per 1003 on file. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower have significant time of 5 years in current residence.
56019 XXXXXX FL (No Data) ATR/QM: Exempt B B B B A A B B B B B B A A B B Credit Application Active B B B B CRDAPP5430 FNMA Application Form is Outdated No Application taken on XXX and completed on the old form 1003 and not on the new XXX form dated XXX. (No Data) (No Data) Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower have significant time of 5 years in current residence.
60479 XXXXXX ID Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 UT (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 AZ (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 AZ (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH148 Credit report stale dated at closing No Credit report date XXX and stale dated 77 days at closing XXX.  (No Data) (No Data) (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 FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A Property Valuations Appraisal Satisfied A A A A PRVAAPPR3116 Missing updated valuation No 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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A C A D B D B D A C B D B Compliance Compliance Manual Satisfied D A D A CMPMAN2956 Missing disclosure No 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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A C A D B D B D A C B D B Compliance TILA/RESPA Integrated Disclosure Satisfied N/A B N/A B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No 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 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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A C A D B D B D A C B D B Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Verification of CPA is missing from credit file. 10/21/2021 lender provided CPA Verification 10/21/2021 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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A C A D B D B D A C B D B Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No 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 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%.
60487 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 VA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt D A A A D A D A D A A A D A D A Compliance Documentation Satisfied D A D A CMPDOC191 Missing Mortgage No 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 FL (No Data) ATR/QM: Exempt D A A A D A D A D A A A D A D A Compliance Documentation Satisfied D A D A CMPDOC195 Missing Note No 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 FL (No Data) ATR/QM: Exempt D A A A D A D A D A A A D A D A Compliance Federal Consumer Protection Satisfied D A D A CMPFDCP304 TILA - Transaction date unknown/missing No 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 FL (No Data) ATR/QM: Exempt D A A A D A D A D A A A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 OR (No Data) ATR/QM: Exempt D B D B A A N/A N/A D B D B A A N/A N/A Credit Application Satisfied D A D A CRDAPP4625 The orig file does not contain a third party fraud report No Missing third party fraud report 1.7.2022- Lender provided fraud report. 1.7.2022- Exception satisfied. Not Applicable 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 OR (No Data) ATR/QM: Exempt D B D B A A N/A N/A D B D B A A N/A N/A Credit Credit/Mtg History Active B B B B CRDCRMH148 Credit report stale dated at closing No 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) (No Data) (No Data) 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.
60500 XXXXXX GA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No 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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3618 TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing No 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 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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No 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 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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Credit Application Satisfied D A D A CRDAPP4625 The orig file does not contain a third party fraud report No 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 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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Credit Credit/Mtg History Active B B B B CRDCRMH148 Credit report stale dated at closing No Credit Report dated XXX with Note dated XXX.  Credit Report was > 60 days of closing.  (No Data) (No Data) (No Data) 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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No # of Tradelines Does Not Meet Guideline Requirements. Currently 1 per GL 3 required.  (No Data) (No Data) (No Data) 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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Hazard Insurance Coverage No   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 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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Credit Terms/Guidelines Active C B C B CRDTER3122 Loan documents do not meet guideline requirements No 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 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 FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C A C A D B D B C B C A Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No 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 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.
60503 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH148 Credit report stale dated at closing No 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) (No Data) (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 AZ (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 GA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $130129.63 or 112 months PITIA, guidelines required 0 months PITIA.
60509 XXXXXX FL (No Data) ATR/QM: Exempt D B B B D A N/A N/A D B B B D A N/A N/A Credit Credit/Mtg History Active B B B B CRDCRMH148 Credit report stale dated at closing No 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) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  761 qualifying score. Min required per guidelines is 750
60509 XXXXXX FL (No Data) ATR/QM: Exempt D B B B D A N/A N/A D B B B D A N/A N/A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 NV (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 UT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 PA (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 NV (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 GA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 FL (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Credit LTV/CLTV Active B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No 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) (No Data) (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 FL (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 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.
60522 XXXXXX IL (No Data) ATR/QM: Exempt C B B B C A A A C B B B C B A A Credit Credit/Mtg History Active B B B B CRDCRMH148 Credit report stale dated at closing No Credit report dated XXX and stale dated 69 days as of the Note date XXX (No Data) (No Data) (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 IL (No Data) ATR/QM: Exempt C B B B C A A A C B B B C B A A Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No 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 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%
60524 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No 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 CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No 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 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.
60530 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 CA (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 CA (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B A A A A B B B B A A A A B B Compliance State Consumer Protection Active B B B B CMPSTCP2129 MD Counseling Notice not in file No The  MD Counseling Notice not located in file at time of review. (No Data) (No Data) (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 OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 NH Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 WA (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No  # of Tradelines Does Not Meet Guideline Requirements. Yes only has 2 tradelines 3 required by guidelines.  (No Data) (No Data) (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 WA (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 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.
60541 XXXXXX AL (No Data) ATR/QM: Exempt D B C B D A A A D B C B D A A A Credit Assets Satisfied C A C A CRDAST206 Asset Amounts Are Unsupported by Documentation in File No 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 AL (No Data) ATR/QM: Exempt D B C B D A A A D B C B D A A A Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No 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) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 744, min 725
60541 XXXXXX AL (No Data) ATR/QM: Exempt D B C B D A A A D B C B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B A A A A B B B B A A A A Credit Application Active B B B B CRDAPP1813 Undisclosed non-arm's length transaction No Borrower is purchasing the current residence that they have lived in for 3 years from their landlord.  (No Data) (No Data) (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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A D A A A D B A A D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A D A A A D B A A D B A A Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No (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 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%
60552 XXXXXX FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 CT (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 FL (No Data) ATR/QM: Exempt D A D A A A N/A N/A D A D A A A N/A N/A Credit Application Satisfied D A D A CRDAPP157 Application Not Signed by Primary Borrower No 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 FL (No Data) ATR/QM: Exempt D A D A A A N/A N/A D A D A A A N/A N/A Credit Application Satisfied D A D A CRDAPP227 Application Not Signed by Co-Borrower No 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 FL (No Data) ATR/QM: Exempt D A D A A A N/A N/A D A D A A A N/A N/A Credit Application Satisfied D A D A CRDAPP3312 One or more Applications in file are incomplete No 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.
60564 XXXXXX FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 NV (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 SC (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 SC (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 AZ (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 WA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 CA (No Data) ATR/QM: Exempt C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No (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 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 CA (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 CA (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 CA (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 CA (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 NV (No Data) ATR/QM: Exempt D A C A D A A A D A C A D A A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Hazard Insurance Coverage No 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 NV (No Data) ATR/QM: Exempt D A C A D A A A D A C A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 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.
60616 XXXXXX FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt D A D A D A N/A N/A D A D A D A N/A N/A Credit Legal Documents Satisfied D A D A CRDLGL806 Notary Status is missing No 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 FL (No Data) ATR/QM: Exempt D A D A D A N/A N/A D A D A D A N/A N/A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 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.
60618 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A D A C A D A A A D A C A Compliance Right of Rescission  Satisfied C A C A CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No 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 MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A D A C A D A A A D A C A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 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
60622 XXXXXX HI (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No  # of Tradelines Does Not Meet Guideline Requirements. yes only 2, 3 required per GL. (No Data) (No Data) (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 HI (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Credit Terms/Guidelines Active B B B B CRDTER4643 Borrower does not meet guideline requirements No Subject property is located in XXX lender guidelines and matrix do not include approval for property in Hawaii.  (No Data) (No Data) (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 HI (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 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.
60624 XXXXXX FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 WA (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 TX ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 AZ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No # open tradelines required per guideline. borrower has only 2. (No Data) (No Data) (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 FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 WA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No 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) (No Data) (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 TX (No Data) ATR/QM: Exempt D B B B D A A A D B B B D B A A Credit Terms/Guidelines Active B B B B CRDTER4643 Borrower does not meet guideline requirements No 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) (No Data) (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 TX (No Data) ATR/QM: Exempt D B B B D A A A D B B B D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 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 TX (No Data) ATR/QM: Exempt D B B B D A A A D B B B D B A A Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No 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 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%.
60652 XXXXXX TX (No Data) ATR/QM: Exempt B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER4643 Borrower does not meet guideline requirements No 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) (No Data) (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 TX (No Data) ATR/QM: Exempt B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER4643 Borrower does not meet guideline requirements No 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) (No Data) (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.
60655 XXXXXX TX (No Data) ATR/QM: Exempt B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER4643 Borrower does not meet guideline requirements No 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) (No Data) (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 MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No 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 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 TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 CO (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Credit Report and payment history in file support a mortgage rating of 0x30x3, GL require 12 mo. Rent/Mortgage history.  (No Data) (No Data) (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 CO (No Data) ATR/QM: Exempt D B B B D A A A D B B B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 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
60669 XXXXXX FL (No Data) ATR/QM: Exempt C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No 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 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 CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt C B A A C A B B C B A A C B B B Compliance TILA Active B B B B 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. No Borrower's LOE for use of funds is missing from file. (No Data) (No Data) (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 FL (No Data) ATR/QM: Exempt C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No 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 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.
60673 XXXXXX WA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU5249 Property Value Not Supported No (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 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 NC ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A D A B B D B A A D A B B Compliance Right of Rescission  Active B B B B CMPROR117 ROR - Expiration date on form prior to end of rescission period No 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) (No Data) (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 NC ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A D A B B D B A A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 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%.
60683 XXXXXX TX (No Data) ATR/QM: Exempt C A C A A A A A C A C A A A A A Credit Insurance Satisfied C A C A CRDINSR5351 Insurance Effective date is greater than the transaction date No 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 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 TX (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 AZ (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR5355 Most recent FSD score outside of approved variance No 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 FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $3,267.79, reserves not required due to 70% LTV
60700 XXXXXX AZ (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               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 WI Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               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 CA (No Data) ATR/QM: Exempt D B A A D B A A D B A A D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 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 CA (No Data) ATR/QM: Exempt D B A A D B A A D B A A D B A A Property Valuations FEMA Active B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No 03/01/19 XXX (No Data) (No Data) (No Data) Not Applicable (No Data)
28074 XXXXXX FL (No Data) ATR/QM: Exempt B B A A A A B B B B A A A A B B Compliance TILA Active B B B B 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. No 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) (No Data) (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 XXXXXX B B B B A A A A B B B B A A A A Yes
60467 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60472 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
26705 Yes XXXXXX XXXXXX C A A A C A A A C A A A C A A A No
25728 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
27397 Yes XXXXXX XXXXXX B B A A B B A A B B A A B B A A No
31756 Yes XXXXXX XXXXXX C A A A C A A A C A A A C A A A Not Applicable
31743 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
41496 Yes XXXXXX XXXXXX D B A A D A C B D B A A D A C B No
51275 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
60477 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
56019 Yes XXXXXX XXXXXX B B B B A A B B B B B B A A B B Not Applicable
60479 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60480 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60481 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60483 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
60484 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60485 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
56065 Yes XXXXXX XXXXXX D B D A C A D B D B D A C B D B Not Applicable
60487 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60490 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60492 Yes XXXXXX XXXXXX D A A A D A D A D A A A D A D A Not Applicable
60495 Yes XXXXXX XXXXXX D B D B A A N/A N/A D B D B A A N/A N/A Not Applicable
60500 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60501 Yes XXXXXX XXXXXX D B D B C A C A D B D B C B C A No
60503 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A No
60505 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60506 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60507 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60509 Yes XXXXXX XXXXXX D B B B D A N/A N/A D B B B D A N/A N/A Not Applicable
60510 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60511 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60513 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60514 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60515 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60518 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60520 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60521 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A Not Applicable
60522 Yes XXXXXX XXXXXX C B B B C A A A C B B B C B A A Not Applicable
60524 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60527 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60530 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60531 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60532 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60533 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
60536 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60538 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60540 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A No
60541 Yes XXXXXX XXXXXX D B C B D A A A D B C B D A A A Not Applicable
60542 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A No
60547 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
60549 Yes XXXXXX XXXXXX D A A A D A A A D B A A D B A A Not Applicable
60552 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60554 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Yes
60556 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60559 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A No
60563 Yes XXXXXX XXXXXX D A D A A A N/A N/A D A D A A A N/A N/A Not Applicable
60564 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60569 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60572 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60575 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60577 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60578 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60579 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A No
60580 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60581 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60584 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60588 Yes XXXXXX XXXXXX C A A A C A A A C B A A C B A A Not Applicable
60591 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A No
60596 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A No
60598 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60600 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A No
60612 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60615 Yes XXXXXX XXXXXX D A C A D A A A D A C A D A A A Not Applicable
60616 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60617 Yes XXXXXX XXXXXX D A D A D A N/A N/A D A D A D A N/A N/A No
60618 Yes XXXXXX XXXXXX D A A A D A C A D A A A D A C A No
60622 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A No
60624 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60627 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60628 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60629 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60634 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60637 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60638 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A No
60642 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Yes
60643 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60644 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60645 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
60649 Yes XXXXXX XXXXXX D B B B D A A A D B B B D B A A Not Applicable
60652 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
60653 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
60655 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A Not Applicable
60656 Yes XXXXXX XXXXXX C A A A C A A A C B A A C B A A Not Applicable
60658 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60662 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60664 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60667 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A Not Applicable
60669 Yes XXXXXX XXXXXX C A A A C A A A C B A A C B A A Not Applicable
60671 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60672 Yes XXXXXX XXXXXX C B A A C A B B C B A A C B B B Not Applicable
60673 Yes XXXXXX XXXXXX C A A A C A A A C B A A C B A A Not Applicable
60681 Yes XXXXXX XXXXXX D B A A D A B B D B A A D A B B No
60683 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A No
60689 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60690 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
60698 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60700 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
60702 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
60705 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
27116 Yes XXXXXX XXXXXX D B A A D B A A D B A A D B A A Not Applicable
28074 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B 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+)

 

©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 99.13

 

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 XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2039.53 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1495.00 0.7330 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60467 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.5989 No No 1.615 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 46.5 46.5 46.5 46.5 46.5 46.5 Yes Yes Yes 3363.19 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 36 months;
(No Data) (No Data) (No Data)
60472 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 5.1754 No No 1.54 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.27 47.27 47.27 47.27 47.27 47.27 Yes Yes Yes 3053.25 No (No Data) No (No Data) No No (No Data) (No Data) Yes 5 Yes 2 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 5 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
(No Data) (No Data)
26705 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 9.5310 Yes No 2.246 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 19.72 0 19.72 19.72 19.72 (No Data) (No Data) (No Data) 8455.17 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data)
25728 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) Yes No 1 7.0981 Yes Yes 3.41 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.66 36.66 36.66 36.66 36.66 36.66 No Yes Yes 39589.17 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months;
(No Data) (No Data) (No Data)
27397 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.5041 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 11.72 0 11.72 11.72 13.2 (No Data) (No Data) (No Data) 10166.88 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data)
31756 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 5.5871 Yes Yes 2.938 3.000 No No No No No No Yes No No (No Data) No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 24.66 24.59 24.33 24.33 24.33 24.59 No No (No Data) 7620.02 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 1 months;
Personal Bank Statements - 12 months;
(No Data) (No Data) (No Data)
31743 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) Yes No 1 8.1399 Yes Yes 3.569 Unavailable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 17.86 17.86 17.86 20.42 17.86 17.86 No No (No Data) 10343.61 No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
Verbal VOE with Income - 1 months;
W2 - 24 months;
Paystub - 1 months;
Verbal VOE with Income - 1 months;
W2 - 24 months;
(No Data) (No Data)
41496 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX No Primary SFR 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) Yes No 1 5.6036 Yes Yes 3.281 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 18.85 17.38 18.85 18.85 15.56 15.56 Yes Yes Yes 39688.11 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter with Income - 1 months;
Personal Bank Statements - 1 months;
(No Data) (No Data) (No Data)
51275 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.1250 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2614.15 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2650.00 No (No Data) 1.0137 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60477 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.1250 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1434.6 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1625.00 No (No Data) 1.1327 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
56019 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.1250 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -4120.61 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 4200.00 No (No Data) 1.0220 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60479 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 7.5858 No No 1.857 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 46.33 45.24 46.33 45.24 45.24 45.24 Yes Yes Yes 3317.77 No (No Data) No (No Data) No No (No Data) (No Data) Yes 3 Yes 2 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 48 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 3 months;
W2 - 24 months;
Written VOE - 48 months;
Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
(No Data) (No Data)
60480 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Condotel 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 4.7500 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -12180.19 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 14000.00 No (No Data) 1.1494 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60481 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Rate and Term Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.6251 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1726.18 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1850.00 No (No Data) 1.0717 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60483 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 3.4806 No No 1.29 (No Data) (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 46 46.9 46 46.9 46.9 46.9 Yes Yes Yes 7865.57 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 96 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 96 months;
(No Data) (No Data) (No Data)
60484 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1855.61 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2300.00 No (No Data) 1.2395 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60485 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 4.5535 Yes No 1.977 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.22 40.46 47.22 40.46 40.46 40.46 Yes Yes Yes 6254.58 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 14 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 14 months;
(No Data) (No Data) (No Data)
56065 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 4.4307 Yes Yes 2.004 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 17.82 16.11 17.82 16.11 16.11 16.11 Yes Yes Yes 46406.93 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 72 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 72 months;
(No Data) (No Data) (No Data)
60487 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.2500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2493.36 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1500.00 No (No Data) 0.6012 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60490 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) No Yes 1 4.3750 No No 1.75 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1871.93 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1700.00 No (No Data) 0.9080 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60492 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 (No Data) No Yes 1 5.5001 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1450.73 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2200.00 No (No Data) 1.5165 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60495 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 4.5000 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5562.76 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 4200.00 No (No Data) 0.7550 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60500 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 3.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1015.56 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1110.00 1.0920 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60501 XXXXXX XXXXXX 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) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 5.5695 Yes Yes 3.566 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42.14 21.16 42.14 21.16 21.15 21.16 Yes Yes Yes 4241.02 No (No Data) No (No Data) No No (No Data) (No Data) Yes 4 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 34 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 4 months;
Verbal VOE with Income - 12 months;
W2 - 24 months;
Written VOE - 34 months;
Award Letter - 12 months;
(No Data) (No Data)
60503 XXXXXX XXXXXX 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) 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 6.8515 Yes Yes 2.251 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 39.12 39.12 39.12 39.12 39.12 39.12 Yes Yes Yes 8745.35 No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 3 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 40 No (No Data) No (No Data) No (No Data) Yes 40 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 3 months;
Verbal VOE with Income - 40 months;
W2 - 24 months;
Written VOE - 40 months;
(No Data) (No Data) (No Data)
60505 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1000.49 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1700.00 No (No Data) 1.6992 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60506 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 6.4767 Yes Yes 2.59 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 32.83 39.77 32.83 39.77 39.77 39.77 Yes Yes Yes 7014.4 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 60 months;
Personal Bank Statements - 12 months;
(No Data) (No Data) (No Data)
60507 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 (No Data) Yes Yes 1 5.1250 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1157.5 Not Applicable (No Data) Not Applicable (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1325.00 1.1447 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60509 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of amt prepd in yr 1,2,3 (No Data) No Yes 1 5.0000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1698.15 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1450.00 No (No Data) 0.8539 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60510 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.7500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1465.2 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1750.00 1.1944 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60511 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 4.4287 Yes Yes 2.046 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 33.04 33.81 33.04 33.81 33.81 33.81 Yes Yes Yes 4821.98 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 60 months;
(No Data) (No Data) (No Data)
60513 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.7490 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1415.86 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 2000.00 2.1572 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60514 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.7500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1707.72 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1750.00 1.0248 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60515 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 4.7539 Yes Yes 1.27 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.66 28.17 36.66 28.17 28.17 28.17 Yes Yes Yes 13631.65 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 48 months;
(No Data) (No Data) (No Data)
60518 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Mid Rise Condo  (5-8) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of amt prepd in yr 1,2,3 (No Data) No Yes 1 5.7490 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3258.38 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 3880.00 No (No Data) 1.1908 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60520 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Mid Rise Condo  (5-8) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of OPB in year 1,2,3 (No Data) No Yes 1 5.6251 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3044.15 No (No Data) No (No Data) No Yes Yes (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 3880.00 No (No Data) 1.2746 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data)
60521 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.2500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1225.22 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1550.00 No (No Data) 1.2651 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60522 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 (No Data) No Yes 1 7.3740 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2532 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 4300.00 1.6983 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60524 XXXXXX XXXXXX 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) 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 4.1912 Yes Yes 2.108 0.000 (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 39.29 35.18 39.29 35.18 35.18 35.18 Yes Yes Yes 4894.95 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 84 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 3 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 84 months;
Personal Bank Statements - 3 months;
(No Data) (No Data) (No Data)
60527 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 4.3974 Yes Yes 1.529 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 41.98 41.98 41.98 41.98 41.98 41.98 Yes Yes Yes 12070.09 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 60 months;
Personal Bank Statements - 12 months;
(No Data) (No Data) (No Data)
60530 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 4.3559 Yes Yes 1.269 0.000 (No Data) (No Data) No No No No No No No (No Data) No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 34.73 34.3 34.73 34.3 34.3 34.3 Yes Yes Yes 40620.4 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 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) (No Data)
60531 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.6250 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3147.58 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2250.00 No (No Data) 0.7140 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60532 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 3.8750 No Yes 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2340.6 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 3875.00 1.6556 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60533 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 4.3834 Yes Yes 2.841 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 37.66 36.37 37.66 36.37 36.37 36.37 Yes Yes Yes 4058.55 No (No Data) No (No Data) No No (No Data) (No Data) Yes 3 Yes 4 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
Paystub - 3 months;
W2 - 24 months;
Paystub - 4 months;
Verbal VOE with Income - 1 months;
W2 - 24 months;
(No Data) (No Data)
60536 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No Yes No No No (No Data) (No Data) No Yes 1 5.3100 No Yes 2.046 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 39.59 39.71 39.71 45.2 32.34 37.59 Yes Yes Yes 4722.18 No (No Data) No (No Data) No No (No Data) (No Data) Yes 3 Yes 7 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 120 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 3 months;
Written VOE - 120 months;
Paystub - 7 months;
W2 - 24 months;
(No Data) (No Data)
60538 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 5.8300 Yes Yes 2.046 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 27.07 27.16 27.07 27.16 27.16 27.16 Yes Yes Yes 12750.34 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 108 No (No Data) Yes 108 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 108 months;
Business Bank Statements - 13 months;
CPA Letter without Income - 108 months;
(No Data) (No Data)
60540 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 (No Data) No Yes 1 5.9989 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1650.65 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1200.00 No (No Data) 0.7269 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60541 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Condotel 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.7500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1858.18 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2300.00 No (No Data) 1.2378 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60542 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Condotel 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.3751 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2926.21 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 5222.00 No (No Data) 1.7846 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60547 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 5.2754 Yes Yes 2.006 0.000 (No Data) (No Data) No No No No No No No (No Data) No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 1.53 1.53 1.53 1.53 1.53 1.53 Yes Yes Yes 773062.14 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 49 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 15 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 15 months;
CPA Letter without Income - 49 months;
(No Data) (No Data) (No Data)
60549 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 3.2082 Yes Yes 1.011 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 20.75 21.37 20.75 21.37 21.37 21.37 No No (No Data) 39514.84 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 14 Yes 14 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 14 months;
Business Bank Statements - 14 months;
(No Data) (No Data)
60552 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of amt prepd in yr 1,2,3 (No Data) No Yes 1 5.0000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1461.2 No (No Data) No (No Data) No Yes Yes (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1975.00 No (No Data) 1.3516 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data)
60554 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 6.7573 Yes Yes 2.002 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 26.33 26.61 26.33 26.61 26.61 26.61 Yes Yes Yes 25687.55 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 24 months;
(No Data) (No Data) (No Data)
60556 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 4.6203 Yes Yes 3.007 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 35.5 35.5 35.5 35.5 35.5 35.5 Yes Yes Yes 5501.14 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 60 months;
Personal Bank Statements - 12 months;
(No Data) (No Data) (No Data)
60559 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor 3 Family 3 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 (No Data) No Yes 1 6.0000 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1295.75 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1675.00 1.2930 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60563 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of amt prepd in yr 1,2,3 (No Data) No Yes 1 5.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1892.26 No (No Data) No (No Data) No Yes No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1275.00 No (No Data) 0.6738 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data)
60564 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Condotel 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 3%, 2%, 1% of amt prepd in yr 1,2,3 (No Data) No Yes 1 4.5000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5932.69 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 6200.00 No (No Data) 1.0451 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60569 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB (No Data) Yes Yes 1 4.5000 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1977.92 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1950.00 0.9859 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60572 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.5000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1384.1 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1500.00 No (No Data) 1.0837 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60575 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No Yes No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.1250 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3974.99 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 3650.00 No (No Data) 0.9182 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60577 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Condotel 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 4.8750 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1667.82 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1000.00 No (No Data) 0.5996 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60578 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Mid Rise Condo  (5-8) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 5.5001 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2276.62 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2800.00 No (No Data) 1.2299 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60579 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Rate and Term Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 6.1250 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1410.43 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1500.00 No (No Data) 1.0635 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60580 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 (No Data) No Yes 1 4.6250 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3038.18 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2900.00 No (No Data) 1.6840 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60581 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 3.6791 Yes Yes 2.049 0.000 (No Data) (No Data) No No No No No No No No No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 8.84 8.84 8.84 8.84 8.84 8.84 Yes Yes Yes 78608.51 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;
(No Data) (No Data) (No Data)
60584 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.3750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -4225.26 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 3250.00 No (No Data) 0.7690 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60588 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 3.8750 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5278.81 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 4100.00 No (No Data) 0.7767 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60591 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 3.8750 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1956.68 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1880.00 0.9608 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60596 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 3.8750 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1745.41 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1350.00 0.7734 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60598 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 3.8750 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2082.81 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1902.00 0.9130 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60600 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 3.8750 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1934.92 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1595.00 0.8243 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60612 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.2500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1801.29 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2000.00 No (No Data) 1.1103 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60615 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor High Rise Condo (9+) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 4.8750 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1654.22 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1850.00 No (No Data) 1.1183 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60616 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.1250 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2987.6 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2800.00 No (No Data) 0.9400 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60617 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Condotel 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of amt prepd in yr 1,2,3 (No Data) No Yes 1 5.2500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3552.08 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 3880.00 No (No Data) 1.0923 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60618 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 3.3226 Yes Yes 0.868 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 20.88 20.88 20.88 20.88 20.88 20.88 Yes Yes Yes 24839.97 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 34 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 14 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 14 months;
CPA Letter without Income - 34 months;
(No Data) (No Data) (No Data)
60622 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5385.42 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 7000.00 No (No Data) 1.2998 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60624 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 6.5000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1344.4 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1550.00 No (No Data) 1.1529 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60627 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.3750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3918.76 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 5100.00 No (No Data) 1.3014 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60628 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Condotel 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.7500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2826.76 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 4167.00 No (No Data) 1.4741 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60629 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.5000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1696.56 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1600.00 0.9431 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60634 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 7.1251 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1514.56 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 1000.00 0.6625 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60637 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 4.1250 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5730.62 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 3700.00 No (No Data) 0.6457 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60638 XXXXXX XXXXXX 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 Second Home Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 4.8880 No Yes 1.526 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 No No (No Data) -4684.29 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data)
60642 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 5.0179 Yes Yes 1.525 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 21.64 20.18 21.64 20.18 20.18 20.18 Yes Yes Yes 16548.14 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
(No Data) (No Data) (No Data)
60643 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.2500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1172.75 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1500.00 No (No Data) 1.2790 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60644 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.7500 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3537.11 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2850.00 No (No Data) 0.8057 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60645 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Mid Rise Condo  (5-8) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 (No Data) No Yes 1 5.6251 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2597.67 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2500.00 No (No Data) 0.9624 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60649 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.3750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1737.47 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2400.00 No (No Data) 1.3813 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60652 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.3750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1705.76 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2340.00 No (No Data) 1.3718 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60653 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.3750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1803.7 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2250.00 No (No Data) 1.2474 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60655 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.3750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1794.11 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1950.00 No (No Data) 1.0869 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60656 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 4.9707 No No 2.308 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.73 49.73 49.73 49.73 49.73 49.73 Yes Yes Yes 12568.52 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;
(No Data) (No Data) (No Data)
60658 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 (No Data) No Yes 1 4.8750 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2376.34 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2345.00 No (No Data) 0.9868 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60662 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor High Rise Condo (9+) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.0000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2518.78 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2300.00 No (No Data) 0.9131 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60664 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of amt prepd in yr 1,2,3 (No Data) No Yes 1 5.5001 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1627.29 No (No Data) No (No Data) No Yes (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1600.00 No (No Data) 0.9832 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60667 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 5.0000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1931.77 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1875.00 No (No Data) 0.9706 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data) (No Data)
60669 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1962.2 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2000.00 No (No Data) 1.0193 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60671 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 (No Data) No Yes 1 4.6250 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2243.3 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 2100.00 0.9361 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60672 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 (No Data) Yes Yes 1 4.6250 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1973.37 No (No Data) No (No Data) No Yes Yes (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2800.00 No (No Data) 1.4189 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
DSCR - w/rent schedule - 0 months;
(No Data)
60673 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 3.2084 Yes Yes 1.011 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 27.44 22.4 27.44 22.4 22.4 22.4 Yes Yes Yes 34963.32 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
Business Bank Statements - 13 months;
(No Data) (No Data)
60681 XXXXXX XXXXXX 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 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 4.3182 Yes Yes 2.048 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 37.49 37.47 37.49 37.47 37.47 37.47 Yes Yes Yes 3673.06 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 36 months;
(No Data) (No Data) (No Data)
60683 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 4.2500 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2263.74 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 4000.00 No (No Data) 1.7600 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60689 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 (No Data) Yes Yes 1 3.8750 No No 5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1694.43 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2350.00 No (No Data) 1.3869 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60690 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No Yes No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.1250 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2170.99 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 2900.00 1.3358 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months;
(No Data) (No Data) (No Data)
60698 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2944.82 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 2900.00 No (No Data) 0.9848 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60700 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 3%, 2%, 1% of UPB in year 1,2,3 (No Data) No Yes 1 4.8750 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1248.91 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 1250.00 No (No Data) 1.0009 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60702 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 3.8750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2147.75 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes 3400.00 No (No Data) 1.5830 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months;
(No Data) (No Data) (No Data)
60705 XXXXXX XXXXXX XXXXXX XXXXX Non-QM: Lender documented all ATR UW factors Present Non-QM: Lender documented all ATR UW factors XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 5.5580 Yes Yes 1.788 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 14.89 14.99 14.89 14.99 14.99 14.99 Yes Yes Yes 26099.78 No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 24 months;
Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;
(No Data) (No Data)
27116 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.3750 Yes No 0 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 11.32 0 11.32 11.32 11.32 (No Data) (No Data) (No Data) 45869.98 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
Personal Bank Statements - 24 months;
(No Data) (No Data) (No Data)
28074 XXXXXX XXXXXX XXXXXX XXXXX ATR/QM: Exempt (No Data) (No Data) XXXXXX (No Data) Investor High Rise Condo (9+) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 7.0234 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 49.61 0 49.61 49.61 49.61 (No Data) (No Data) (No Data) 8427.86 No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data)
                                                                                                                                                                                                                                                                                                                                                                                                                                     

 


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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 No Yes XXXXXX XXXXXX No No 9165 XXXXXX 4.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60467 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 3545 XXXXXX 7.5989 Unemployed (No Data) U.S. Citizen (No Data) (No Data) Yes 3363.19
60472 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 3840 XXXXXX 5.1754 Employed Employed U.S. Citizen Non-Permanent Resident Alien (No Data) Yes 3053.25
26705 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4126.25 XXXXXX 9.531 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
25728 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7895 XXXXXX 7.0981 Employed (No Data) U.S. Citizen (No Data) (No Data) No 39589.17
27397 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.5041 Employed Employed Non-Resident Alien Non-Resident Alien (No Data) (No Data) 0
31756 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9395 XXXXXX 5.5871 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
31743 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8540 XXXXXX 8.1399 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
41496 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 17832.5 XXXXXX 5.6036 Employed (No Data) U.S. Citizen (No Data) No Yes 39688.11
51275 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 8718 XXXXXX 5.125 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
60477 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4500 XXXXXX 5.125 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
56019 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 15015 XXXXXX 5.125 Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
60479 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5970 XXXXXX 7.5858 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 3317.77
60480 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 70000 XXXXXX 4.75 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
60481 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 7875 XXXXXX 5.6251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60483 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 15445 XXXXXX 3.4806 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 7865.57
60484 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6184.5 XXXXXX 4.875 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
60485 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6295 XXXXXX 4.5535 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 6254.58
56065 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8925 XXXXXX 4.4307 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 46406.93
60487 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 11250 XXXXXX 4.25 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60490 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4134.38 XXXXXX 4.375 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60492 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4788 XXXXXX 5.5001 Employed Unemployed Non-Permanent Resident Alien Non-Permanent Resident Alien (No Data) (No Data) 0
60495 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 4.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
60500 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4725 XXXXXX 3.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60501 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 4735 XXXXXX 5.5695 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 3214.14
60503 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14635 XXXXXX 6.8515 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 8745.35
60505 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4500 XXXXXX 4.875 Employed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
60506 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 2600 XXXXXX 6.4767 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 7014.4
60507 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 7280 XXXXXX 5.125 Employed Employed Non-Resident Alien Non-Resident Alien (No Data) (No Data) 0
60509 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 5040 XXXXXX 5 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
60510 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 7455 XXXXXX 4.75 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60511 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6860 XXXXXX 4.4287 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 4781.29
60513 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4200 XXXXXX 4.749 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60514 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 8505 XXXXXX 4.75 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60515 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 3820 XXXXXX 4.7539 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 13631.65
60518 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 10098 XXXXXX 5.749 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
60520 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 9111 XXXXXX 5.6251 Unemployed Unemployed Non-Permanent Resident Alien Non-Permanent Resident Alien (No Data) (No Data) 0
60521 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 3717 XXXXXX 5.25 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60522 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6367.2 XXXXXX 7.374 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60524 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5500 XXXXXX 4.1912 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 4894.95
60527 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9780 XXXXXX 4.3974 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 12070.09
60530 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14875 XXXXXX 4.3559 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 40620.4
60531 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 12037.5 XXXXXX 4.625 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
60532 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 20000 XXXXXX 3.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60533 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5500 XXXXXX 4.3834 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 4058.55
60536 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6240 XXXXXX 5.31 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 4722.18
60538 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7000 XXXXXX 5.83 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 12750.34
60540 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 5220 XXXXXX 5.9989 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
60541 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6300 XXXXXX 5.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60542 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 10012.5 XXXXXX 5.3751 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60547 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 28900 XXXXXX 5.2754 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 773062.14
60549 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11960 XXXXXX 3.2082 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
60552 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4719 XXXXXX 5 Unemployed Unemployed (No Data) Non-Resident Alien (No Data) (No Data) 0
60554 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 20800 XXXXXX 6.7573 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) Yes 92953.35
60556 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8160 XXXXXX 4.6203 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 5501.13
60559 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 3294 XXXXXX 6 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60563 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 3567 XXXXXX 5.875 Unemployed Unemployed (No Data) Non-Resident Alien (No Data) (No Data) 0
60564 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 18690 XXXXXX 4.5 Unemployed Employed (No Data) Non-Resident Alien (No Data) (No Data) 0
60569 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 13000 XXXXXX 4.5 Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
60572 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6615 XXXXXX 4.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60575 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 20370 XXXXXX 5.125 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
60577 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 8250 XXXXXX 4.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
60578 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 9000 XXXXXX 5.5001 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60579 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 5355 XXXXXX 6.125 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60580 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 5346 XXXXXX 4.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60581 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6930 XXXXXX 3.6791 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 78608.51
60584 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 19800 XXXXXX 4.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60588 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 50625 XXXXXX 3.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60591 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 16875 XXXXXX 3.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60596 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 14062.5 XXXXXX 3.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60598 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 18750 XXXXXX 3.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60600 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 16312.5 XXXXXX 3.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60612 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 5670 XXXXXX 4.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60615 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6037.5 XXXXXX 4.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60616 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 10530 XXXXXX 5.125 Employed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
60617 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 11562 XXXXXX 5.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
60618 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9649.2 XXXXXX 3.3226 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 24839.97
60622 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 21150 XXXXXX 4.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
60624 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 3825 XXXXXX 6.5 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60627 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 19200 XXXXXX 4.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60628 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 9775.5 XXXXXX 4.75 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
60629 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6097.5 XXXXXX 4.5 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60634 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6000 XXXXXX 7.1251 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60637 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 46000 XXXXXX 4.125 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
60638 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11295 XXXXXX 4.888 Unemployed (No Data) U.S. Citizen (No Data) No No 0
60642 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5100 XXXXXX 5.0179 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 16548.14
60643 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 3675 XXXXXX 5.25 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien (No Data) (No Data) 0
60644 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 15360 XXXXXX 5.75 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
60645 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 7326 XXXXXX 5.6251 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60649 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6825 XXXXXX 4.375 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60652 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6678 XXXXXX 4.375 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60653 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 7014 XXXXXX 4.375 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60655 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 7329 XXXXXX 4.375 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60656 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 15795 XXXXXX 4.9707 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 12568.52
60658 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 5566.8 XXXXXX 4.875 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
60662 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6750 XXXXXX 5 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60664 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4725 XXXXXX 5.5001 Unemployed Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) 0
60667 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 8100 XXXXXX 5 Unemployed Unemployed Non-Permanent Resident Alien Non-Permanent Resident Alien (No Data) (No Data) 0
60669 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 8610 XXXXXX 4.875 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
60671 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 8760 XXXXXX 4.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60672 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 10500 XXXXXX 4.625 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
60673 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14980 XXXXXX 3.2084 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 34963.32
60681 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5400 XXXXXX 4.3182 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 3673.06
60683 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 15937.5 XXXXXX 4.25 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60689 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 11900 XXXXXX 3.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60690 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 13515 XXXXXX 4.125 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60698 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 11970 XXXXXX 4.875 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
60700 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 4725 XXXXXX 4.875 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
60702 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 3.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
60705 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 4374 XXXXXX 5.558 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 26099.78
27116 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.375 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
28074 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.0234 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0

 

 


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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

 © 2020 Evolve Mortgage Services Overview | Proprietary and Confidential2 | Page

 

 

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:
oThat the credit report address is different than the subject property
oThere is a lease in place if the loan is a refinance
oThere 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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  a) Rescission (§1026.23):
  i) 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;
b)TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:
  i) 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);
  c) Tolerances (§§1026.18, 22 and 23):
  i) 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;
  d) 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;
  e) Higher-priced Mortgage Loan (§1026.35):
  i) 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:

  a) Good Faith Estimate (GFE) (§1024.7) as applicable for loans with application dates prior to October 3, 2015:
  i) 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
  v) confirm the presence of a settlement service provider list, as applicable.
  b) Final HUD-1/A Settlement Statement (HUD) (§1024.8) as applicable for loans with application dates prior to October 3, 2015:
  i) 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.
  c) GFE and Final HUD Comparison (§1024.7) as applicable for loans with application dates prior to October 3, 2015:
  i) 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.
  d) Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):
  i) 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;
  v) 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:

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

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  i) 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;
  b) 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):
       
  i) 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;
d) Prohibition on Financing Credit Insurance (§1026.36):
  i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and
  e) Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):
  i) 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:

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

  a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));
  b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));
  c) 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
  d) 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:

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

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  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.

 

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

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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):

  a) Loan Estimate (LE) (§§1026.19 and 37):
  i) 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;
  v) 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);

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  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.
  b) Closing Disclosure (CD) (§§1026.19 and 38):
  i) 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.)
  c) Your Home Loan Toolkit (§1026.19):
  i) 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.

 

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(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.

 

 

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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 XXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
60461 XXXXXXX XXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
60460 XXXXXXX XXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
60459 XXXXXXX XXXXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61347 XXXXXX XXXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
61348 XXXXXX XXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61349 XXXXXX XXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A C C C C C D D D D D B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
61350 XXXXXX XXXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61351 XXXXXX XXXXXX XXXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
61352 XXXXXX XXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62094 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61353 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62095 XXXXXX XXXXXX XXXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62096 XXXXXX XXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
63360 XXXXXX XXXXXX XXXXXX C C C C C C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61354 XXXXXX XXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62097 XXXXXX XXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
62098 XXXXXX XXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61355 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61356 XXXXXX XXXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62099 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61357 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62100 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62101 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62755 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62102 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
63361 XXXXXX XXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61358 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
64009 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62103 XXXXXX XXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61359 XXXXXX XXXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62756 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62104 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62105 XXXXXX XXXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62757 XXXXXX XXXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62106 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62108 XXXXXX XXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61360 XXXXXX XXXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62758 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62759 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62760 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
63362 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
64010 XXXXXX XXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
62761 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62762 XXXXXX XXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
64011 XXXXXX XXXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62763 XXXXXX XXXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
62109 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62764 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62765 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
63363 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62766 XXXXXX XXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62767 XXXXXX XXXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62768 XXXXXX XXXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
63365 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62769 XXXXXX XXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
63367 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
63368 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
63369 XXXXXX XXXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
63370 XXXXXX XXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
63371 XXXXXX XXXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
64012 XXXXXX XXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64013 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
64014 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64016 XXXXXX XXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64017 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64019 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64020 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64021 XXXXXX XXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
63372 XXXXXX XXXXXX XXXXXX A A A A A           A A A A A           A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64022 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
64023 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
63373 XXXXXX XXXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
64024 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
64025 XXXXXX XXXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64026 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64027 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
64028 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
64029 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
64031 XXXXXX XXXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
64032 XXXXXX XXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49074 XXXXX XXXXX XXXXXXX C C C C C B B B B B A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49538 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56087 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57371 XXXXX XXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
56076 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
60281 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57785 XXXXX XXXXX XXXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
48557 XXXXX XXXXX XXXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49060 XXXXX XXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
50719 XXXXX XXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49058 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49533 XXXXX XXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49063 XXXXX XXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49059 XXXXX XXXXX XXXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49056 XXXXX XXXXX XXXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49540 XXXXX XXXXX XXXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
62110 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49528 XXXXX XXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49064 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A B B B B B B B B B B
49541 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49065 XXXXX XXXXX XXXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
55405 XXXXX XXXXX XXXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49062 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49080 XXXXX XXXXX XXXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49635 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49075 XXXXX XXXXX XXXXXXX C C C C C C C C C C A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
49081 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49524 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49525 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49076 XXXXX XXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49529 XXXXX XXXXX XXXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A B B B B B A A A A A B B B B B
49534 XXXXX XXXXX XXXXXXX A A A A A C C C C C B B B B B C C C C C A A A A A A A A A A B B B B B B B B B B
49078 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
49530 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49537 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49531 XXXXX XXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
50720 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49633 XXXXX XXXXX XXXXXXX B B B B B C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49073 XXXXX XXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49634 XXXXX XXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49636 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49535 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49536 XXXXX XXXXX XXXXXXX B B B B B C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
49532 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49632 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
49527 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
50722 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
49539 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
54190 XXXXX XXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
50723 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
50724 XXXXX XXXXX XXXXXX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
54191 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
50726 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
50727 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
53387 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
52364 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
52365 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
62111 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62112 XXXXX XXXXX XXXXXX B B B B B C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
52366 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
50729 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
50730 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
50731 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
50732 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56088 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
55406 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
55407 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
52367 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
52368 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
53388 XXXXX XXXXX XXXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
52369 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
52370 XXXXX XXXXX XXXXXXX C C C C C A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
54193 XXXXX XXXXX XXXXXXX B B B B B A A A A A A A A A A B B B B B A A A A A A A A A A A A A A A A A A A A
57786 XXXXX XXXXX XXXXXXX B B B B B C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
56089 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
52371 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
52372 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
54194 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
55408 XXXXX XXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58131 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
52374 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
55409 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
52375 XXXXX XXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
57356 XXXXX XXXXX XXXXXXX C C C C C A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
55410 XXXXX XXXXX XXXXXX C C C C C C C C C C C C C C C C C C C C B B B B B A A A A A B B B B B B B B B B
55411 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56090 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56091 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56092 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56093 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
52376 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
53390 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
53391 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A B B B B B B B B B B
53392 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
55412 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A B B B B B A A A A A A A A A A B B B B B
53393 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
54197 XXXXX XXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
56094 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56095 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
56096 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
55413 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
55414 XXXXX XXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
55415 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57357 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
55416 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
56097 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56098 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
55417 XXXXX XXXXX XXXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
57358 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
57359 XXXXX XXXXX XXXXXXX A A A A A C C C C C A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
55418 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A B B B B B A A A A A A A A A A B B B B B
57361 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56099 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56100 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
55419 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57362 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
55420 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56077 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56101 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56102 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
55421 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57363 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56103 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56104 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56078 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56105 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
54198 XXXXX XXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56079 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57364 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
55422 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56106 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A B B B B B B B B B B
55423 XXXXX XXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
56107 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57787 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
56109 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56080 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
56111 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57365 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57366 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61361 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57367 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57368 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56081 XXXXX XXXXX XXXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
57369 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58132 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
56082 XXXXX XXXXX XXXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
57788 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
58133 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
57370 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56112 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56113 XXXXX XXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
56084 XXXXX XXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
56114 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57789 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
56115 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57372 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57373 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
56116 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
56117 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
57790 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57374 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57791 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
57375 XXXXX XXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
57376 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57377 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57378 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
57379 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
56118 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58134 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57381 XXXXX XXXXX XXXXXX D D D D D C C C C C C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
57382 XXXXX XXXXX XXXXXX C C C C C C C C C C C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
57383 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
57384 XXXXX XXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
58135 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57792 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
56085 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57793 XXXXX XXXXX XXXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57385 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57386 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
57387 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57388 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57794 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57795 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57796 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57797 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57389 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
56086 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57799 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57800 XXXXX XXXXX XXXXXX C C C C C C C C C C C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
58137 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
57801 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
60282 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57390 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58138 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58139 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57802 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57391 XXXXX XXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A B B B B B A A A A A B B B B B
58140 XXXXX XXXXX XXXXXX B B B B B C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
60283 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57392 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58141 XXXXX XXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58142 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58143 XXXXX XXXXX XXXXXX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
57393 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58144 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58145 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58146 XXXXX XXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
60284 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61362 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57394 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57803 XXXXX XXXXX XXXXXX C C C C C C C C C C C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
58147 XXXXX XXXXX XXXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57804 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58148 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58149 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58150 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57805 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
58152 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61363 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
62113 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
57806 XXXXX XXXXX XXXXXX C C C C C C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58153 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57807 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57808 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58157 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58158 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58159 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57809 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61364 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57810 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62770 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58160 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58161 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
60287 XXXXX XXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62771 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58162 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
58163 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
57811 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62114 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62115 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62116 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
57812 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
62117 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57395 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62118 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
62119 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
57396 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57397 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61365 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58164 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58165 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58166 XXXXX XXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A B B B B B A A A A A B B B B B
57813 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58167 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
57814 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61366 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
57815 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
60289 XXXXX XXXXX XXXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A B B B B B A A A A A B B B B B
61367 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
58168 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
60290 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58169 XXXXX XXXXX XXXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
60291 XXXXX XXXXX XXXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
62772 XXXXX XXXXX XXXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61368 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61369 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
58170 XXXXX XXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
58172 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61370 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
60292 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
58173 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
60293 XXXXX XXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61371 XXXXX XXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C B B B B B A A A A A A A A A A B B B B B
61372 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61373 XXXXX XXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A C C C C C D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
61374 XXXXX XXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
61375 XXXXX XXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61376 XXXXX XXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
58174 XXXXX XXXXX XXXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
61377 XXXXX XXXXX XXXXXX B B B B B C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A

 

 


 

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 XXXXX 5431675 9 XXXXX Credit Application   Application - is missing   The XXXXXXX XXXX XXXXXX for the borrower was not found in the file. Documentation provided.     03/29/2021     A 1 XXXXX CA P 13 C   A   C   A   A   A   A   A     Non-QM 1
49060 XXXXX 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     A 1 XXXXX FL P 13 C   B   C   B   C   A   A   A     Non-QM 1
49060 XXXXX XXXXX 5523942 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     04/22/2021     A 1 XXXXX FL P 13 C   B   C   B   C   A   A   A     Non-QM 1
49060 XXXXX 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 B 2 XXXXX FL P 13 C   B   C   B   C   A   A   A     Non-QM 1
49063 XXXXX XXXXX 5518591 901 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   A   A     Non-QM 1
49063 XXXXX XXXXX 5518592 902 XXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           04/23/2021     A 1 XXXXX CA P 13 C   A   A   A   C   A   A   A     Non-QM 1
49059 XXXXX 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     A 1 XXXXX FL P 1 C   A   A   A   C   A   A   A     Non-QM 1
49064 XXXXX 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 B 2 XXXXX FL I 1 A   B   A   A   N/A N/A A   B     Exempt 1
49074 XXXXX 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     A 1 XXXXX CA P 13 C   A   C   A   B   A   A   A     Non-QM 1
49074 XXXXX 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     A 1 XXXXX CA P 13 C   A   C   A   B   A   A   A     Non-QM 1
49080 XXXXX XXXXX 5651834 330 XXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide documentation of XXXXX for rental property. Information provided     05/21/2021     A 1 XXXXX CA P 1 C   A   C   A   A   A   A   A     Non-QM 1
49075 XXXXX 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.             B 2 XXXXX CA P 1 C   B   C   B   C   A   A   A     Non-QM 1
49075 XXXXX XXXXX 5648525 875 XXXXX Compliance Disclosure   Disclosure - Other:   Intent to XXXXXXX is not signed. Information provided     05/21/2021     A 1 XXXXX CA P 1 C   B   C   B   C   A   A   A     Non-QM 1
49075 XXXXX 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     A 1 XXXXX CA P 1 C   B   C   B   C   A   A   A     Non-QM 1
49076 XXXXX XXXXX 5651717 902 XXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.           05/14/2021     A 1 XXXXX TX P 1 C   A   A   A   C   A   A   A     Non-QM 1
49073 XXXXX 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     A 1 XXXXX FL I 1 C   A   C   A   N/A N/A A   A     Exempt 1
49529 XXXXX XXXXX 5947943 875 XXXXX Compliance Disclosure   Disclosure - Other:   The XXXXX XXX XXXXX XXXXXXX XXXXX was not signed by the loan originator.           07/29/2021 B 2 XXXXX CO P 1 C   B   A   A   C   B   A   A     Non-QM 1
49529 XXXXX XXXXX 5949436 902 XXXXX Compliance 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     A 1 XXXXX CO P 1 C   B   A   A   C   B   A   A     Non-QM 1
49529 XXXXX XXXXX 5949437 968 XXXXX Compliance 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     A 1 XXXXX CO P 1 C   B   A   A   C   B   A   A     Non-QM 1
49529 XXXXX XXXXX 6032832 1062 XXXXX Compliance 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 B 2 XXXXX CO P 1 C   B   A   A   C   B   A   A     Non-QM 1
49533 XXXXX XXXXX 5661191 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.           05/21/2021     A 1 XXXXX CA P 13 C   A   C   A   C   A   A   A     Non-QM 1
49533 XXXXX XXXXX 5661192 897 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   C   A   C   A   A   A     Non-QM 1
49533 XXXXX 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     A 1 XXXXX CA P 13 C   A   C   A   C   A   A   A     Non-QM 1
49540 XXXXX XXXXX 5667050 902 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   A   A     Non-QM 1
49540 XXXXX XXXXX 5667052 63 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   A   A     Non-QM 1
49528 XXXXX 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     A 1 XXXXX CA I 3 C   A   C   A   N/A N/A A   A     Exempt 1
49534 XXXXX XXXXX 5695992 901 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   B   A   A   C   A   B   B     Non-QM 1
49534 XXXXX XXXXX 5695993 902 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   B   A   A   C   A   B   B     Non-QM 1
49531 XXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
49536 XXXXX XXXXX 5660697 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     07/01/2021     A 1 XXXXX CA P 1 C   A   B   A   C   A   A   A     Non-QM 1
49536 XXXXX 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     A 1 XXXXX CA P 1 C   A   B   A   C   A   A   A     Non-QM 1
49634 XXXXX 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     A 1 XXXXX SC I 13 C   A   C   A   N/A N/A A   A     Exempt 1
49065 XXXXX 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 B 2 XXXXX CA P 3 C   B   C   B   A   A   A   A     Non-QM 1
49056 XXXXX XXXXX 5796830 6 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     A 1 XXXXX CA P 1 C   A   C   A   A   A   A   A     Non-QM 1
49056 XXXXX 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     A 1 XXXXX CA P 1 C   A   C   A   A   A   A   A     Non-QM 1
49056 XXXXX 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     A 1 XXXXX CA P 1 C   A   C   A   A   A   A   A     Non-QM 1
50719 XXXXX XXXXX 5933351 898 XXXXX Compliance 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     A 1 XXXXX CO P 13 C   A   A   A   C   A   A   A     Non-QM 1
50719 XXXXX XXXXX 5933352 902 XXXXX Compliance 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     A 1 XXXXX CO P 13 C   A   A   A   C   A   A   A     Non-QM 1
50723 XXXXX XXXXX 5928983 270 XXXXX Valuation UW Collateral   UW Collateral - UW - Satisfactory 2nd Appraisal Report   Missing XXX valuation docuemntation provided     07/22/2021     A 1 XXXXX CA P 13 A   A   A   A   A   A   A   A     Non-QM 1
50727 XXXXX 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 B 2 XXXXX FL I 1 C   B   C   B   N/A N/A A   A     Exempt 1
49633 XXXXX XXXXX 5968461 902 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   B   A   C   A   A   A     Non-QM 1
49633 XXXXX 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     A 1 XXXXX CA P 3 C   A   B   A   C   A   A   A     Non-QM 1
49078 XXXXX 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     A 1 XXXXX CA P 1 C   A   A   A   A   A   C   A     Non-QM 1
52364 XXXXX 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     A 1 XXXXX CA P 13 A   A   A   A   A   A   A   A     Non-QM 1
52365 XXXXX XXXXX 6046216 1108 XXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.     Documentation provided.     10/07/2021     A 1 XXXXX CA P 3 A   A   A   A   A   A   A   A     Non-QM 1
52367 XXXXX 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     A 1 XXXXX CA P 13 A   A   A   A   A   A   A   A     Non-QM 1
52369 XXXXX 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     A 1 XXXXX CA I 13 A   A   A   A   N/A N/A A   A     Exempt 1
52370 XXXXX XXXXX 6042642 336 XXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Missing XXXXXX XXXX XXXXXX XXXXX Documentation provided.      09/16/2021     A 1 XXXXX FL P 1 C   A   C   A   A   A   C   A     Non-QM 1
52370 XXXXX 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     A 1 XXXXX FL P 1 C   A   C   A   A   A   C   A     Non-QM 1
52372 XXXXX 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 B 2 XXXXX CA I 1 C   B   C   B   N/A N/A A   A     Exempt 1
52375 XXXXX 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     A 1 XXXXX CA P 13 C   A   C   A   A   A   A   A     Non-QM 1
50724 XXXXX XXXXX 6043502 902 XXXXX Compliance 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     A 1 XXXXX CA P 13 D   A   D   A   C   A   A   A     Non-QM 1
50724 XXXXX 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     A 1 XXXXX CA P 13 D   A   D   A   C   A   A   A     Non-QM 1
50724 XXXXX 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     A 1 XXXXX CA P 13 D   A   D   A   C   A   A   A     Non-QM 1
53388 XXXXX 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   A   A     Non-QM 1
53391 XXXXX 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     A 1 XXXXX CA I 3 C   B   C   A   N/A N/A C   B     Exempt 1
53391 XXXXX XXXXX 6123627 272 XXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Exception for X unit with XXX granted by XXXXXX XXXX   Exception for X unit with XXX granted by XXXXXX XXXX       09/13/2021 B 2 XXXXX CA I 3 C   B   C   A   N/A N/A C   B     Exempt 1
53392 XXXXX 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     A 1 XXXXX CA I 1 C   A   C   A   N/A N/A A   A     Exempt 1
53392 XXXXX 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     A 1 XXXXX CA I 1 C   A   C   A   N/A N/A A   A     Exempt 1
53387 XXXXX 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   B 2 XXXXX CA I 3 A   A   A   A   N/A N/A A   A     Exempt 1
54190 XXXXX 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     A 1 XXXXX FL P 13 C   A   C   A   A   A   A   A     Non-QM 1
54190 XXXXX XXXXX 6151420 336 XXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   CPA letter is not dated. received     10/05/2021     A 1 XXXXX FL P 13 C   A   C   A   A   A   A   A     Non-QM 1
54193 XXXXX 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     A 1 XXXXX CA P 3 B   A   B   A   A   A   A   A     Non-QM 1
54193 XXXXX 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     A 1 XXXXX CA P 3 B   A   B   A   A   A   A   A     Non-QM 1
54197 XXXXX 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 B 2 XXXXX UT P 13 C   B   C   B   A   A   A   A     Non-QM 1
54197 XXXXX 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.   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 B 2 XXXXX UT P 13 C   B   C   B   A   A   A   A     Non-QM 1
54197 XXXXX 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     A 1 XXXXX UT P 13 C   B   C   B   A   A   A   A     Non-QM 1
54198 XXXXX 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     A 1 XXXXX FL P 13 A   A   A   A   A   A   A   A     Non-QM 1
55405 XXXXX 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     A 1 XXXXX HI P 13 C   A   C   A   A   A   A   A     Non-QM 1
55418 XXXXX 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 B 2 XXXXX WA P 13 A   B   A   B   A   A   A   A     Non-QM 1
55408 XXXXX 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     A 1 XXXXX CA I 3 C   A   C   A   N/A N/A A   A     Exempt 1
55410 XXXXX XXXXX 6167252 902 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   B   C   B   C   A   C   B     Non-QM 1
55410 XXXXX XXXXX 6167502 12 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     B   2 XXXXX CA P 13 C   B   C   B   C   A   C   B     Non-QM 1
55410 XXXXX 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 B 2 XXXXX CA P 13 C   B   C   B   C   A   C   B     Non-QM 1
55410 XXXXX 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 B 2 XXXXX CA P 13 C   B   C   B   C   A   C   B     Non-QM 1
55410 XXXXX XXXXX 6604226 12 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 B 2 XXXXX CA P 13 C   B   C   B   C   A   C   B     Non-QM 1
55412 XXXXX 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 B 2 XXXXX CA P 3 A   B   A   B   A   A   A   A     Non-QM 1
55414 XXXXX 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 B 2 XXXXX CA P 13 C   B   C   B   A   A   A   A     Non-QM 1
55414 XXXXX 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 B 2 XXXXX CA P 13 C   B   C   B   A   A   A   A     Non-QM 1
55416 XXXXX 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 B 2 XXXXX CA I 1 C   B   C   B   N/A N/A A   A     Exempt 1
55417 XXXXX XXXXX 6166279 898 XXXXX Compliance 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     A 1 XXXXX FL P 1 C   A   A   A   C   A   A   A     Non-QM 1
55417 XXXXX XXXXX 6166280 902 XXXXX Compliance 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     A 1 XXXXX FL P 1 C   A   A   A   C   A   A   A     Non-QM 1
55423 XXXXX 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     A 1 XXXXX CA P 1 C   A   C   A   A   A   A   A     Non-QM 1
56095 XXXXX 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 B 2 XXXXX FL I 1 C   B   C   B   N/A N/A A   A     Exempt 1
56102 XXXXX XXXXX 6205556 875 XXXXX Credit Disclosure   Disclosure - Other:   file missing borrower signed XXXXX XXXXXXX XXXXXX. Information provided     11/04/2021     A 1 XXXXX TX I 13 C   A   C   A   N/A N/A A   A     Exempt 1
56102 XXXXX 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     A 1 XXXXX TX I 13 C   A   C   A   N/A N/A A   A     Exempt 1
56106 XXXXX 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     A 1 XXXXX CA I 3 C   B   C   B   N/A N/A C   B     Exempt 1
56106 XXXXX 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 B 2 XXXXX CA I 3 C   B   C   B   N/A N/A C   B     Exempt 1
56106 XXXXX 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     A 1 XXXXX CA I 3 C   B   C   B   N/A N/A C   B     Exempt 1
56106 XXXXX 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.   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 B 2 XXXXX CA I 3 C   B   C   B   N/A N/A C   B     Exempt 1
56106 XXXXX 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     A 1 XXXXX CA I 3 C   B   C   B   N/A N/A C   B     Exempt 1
56107 XXXXX 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     A 1 XXXXX CA I 1 A   A   A   A   N/A N/A A   A     Exempt 1
56111 XXXXX 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     A 1 XXXXX CA I 1 A   A   A   A   N/A N/A A   A     Exempt 1
56082 XXXXX 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 B 2 XXXXX CA P 1 C   B   C   B   A   A   A   A     Non-QM 1
56113 XXXXX 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     A 1 XXXXX FL P 1 C   A   C   A   A   A   A   A     Non-QM 1
56116 XXXXX 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 B 2 XXXXX CA I 1 C   B   C   B   N/A N/A A   A     Exempt 1
56116 XXXXX 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     A 1 XXXXX CA I 1 C   B   C   B   N/A N/A A   A     Exempt 1
56091 XXXXX 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     A 1 XXXXX HI I 13 A   A   A   A   N/A N/A A   A     Exempt 1
56081 XXXXX XXXXX 6207768 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     11/24/2021     A 1 XXXXX CA P 3 C   A   A   A   C   A   A   A     Non-QM 1
56081 XXXXX XXXXX 6207769 897 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   A   A   C   A   A   A     Non-QM 1
56084 XXXXX XXXXX 6220045 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.   Pending receipt of XXX cert. Information provided     11/24/2021     A 1 XXXXX CA P 1 C   A   A   A   C   A   A   A     Non-QM 1
57359 XXXXX XXXXX 6225572 901 XXXXX Compliance 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. Information provided     11/24/2021     A 1 XXXXX CA P 13 C   B   A   B   C   A   A   A     Non-QM 1
57359 XXXXX XXXXX 6225573 902 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   B   A   B   C   A   A   A     Non-QM 1
57359 XXXXX 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 B 2 XXXXX CA P 13 C   B   A   B   C   A   A   A     Non-QM 1
57363 XXXXX XXXXX 6587059 330 XXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide final XXX-X or XXXXX XXXXXX Information\ provided     04/06/2022     A 1 XXXXX CT I 1 A   A   A   A   N/A N/A A   A     Exempt 1
57371 XXXXX 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 B 2 XXXXX FL P 1 C   B   C   B   A   A   A   A     Non-QM 1
57375 XXXXX 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     A 1 XXXXX FL P 1 C   B   A   B   C   A   A   A     Non-QM 1
57375 XXXXX 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 B 2 XXXXX FL P 1 C   B   A   B   C   A   A   A     Non-QM 1
56078 XXXXX 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     A 1 XXXXX CA I 13 A   A   A   A   N/A N/A A   A     Exempt 1
56078 XXXXX 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     A 1 XXXXX CA I 13 A   A   A   A   N/A N/A A   A     Exempt 1
57356 XXXXX 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     A 1 XXXXX FL P 1 C   A   C   A   A   A   C   A     Non-QM 1
57358 XXXXX 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 B 2 XXXXX TX P 3 C   B   C   B   A   A   C   A     Non-QM 1
57357 XXXXX 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 B 2 XXXXX AZ I 13 C   B   C   B   N/A N/A C   A     Exempt 1
57373 XXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A C   A     Exempt 1
57378 XXXXX 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 B 2 XXXXX CA P 1 C   B   C   B   A   A   C   A     Non-QM 1
57382 XXXXX XXXXX 6282057 898 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   B   C   B   C   A   C   A     Non-QM 1
57382 XXXXX XXXXX 6282165 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     01/25/2022     A 1 XXXXX CA P 1 C   B   C   B   C   A   C   A     Non-QM 1
57382 XXXXX 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 B 2 XXXXX CA P 1 C   B   C   B   C   A   C   A     Non-QM 1
57384 XXXXX 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.   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 B 2 XXXXX HI I 3 C   B   C   B   N/A N/A C   A     Exempt 1
57386 XXXXX 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 B 2 XXXXX AZ I 1 C   B   C   B   N/A N/A C   A     Exempt 1
57381 XXXXX XXXXX 6286724 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     11/24/2021     A 1 XXXXX CA P 3 D   A   D   A   C   A   C   A     Non-QM 1
57381 XXXXX XXXXX 6286725 897 XXXXX Compliance 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     A 1 XXXXX CA P 3 D   A   D   A   C   A   C   A     Non-QM 1
57381 XXXXX 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     A 1 XXXXX CA P 3 D   A   D   A   C   A   C   A     Non-QM 1
60462 XXXXX 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 B 2 XXXXX CA I 1 C   B   C   B   N/A N/A A   A     Exempt 1
60462 XXXXX 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     A 1 XXXXX CA I 1 C   B   C   B   N/A N/A A   A     Exempt 1
60461 XXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
57365 XXXXX 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     A 1 XXXXX CA P 13 C   A   A   A   A   A   C   A     Non-QM 1
57367 XXXXX XXXXX 6300593 897 XXXXX Credit Compliance   Compliance - TRID CD- Other   All XXXXXX XX missing from the XXXX. Final XX received     11/08/2021     A 1 XXXXX WA I 13 C   A   A   A   N/A N/A C   A     Exempt 1
57368 XXXXX 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     A 1 XXXXX WA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
57383 XXXXX 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 B 2 XXXXX AZ P 1 C   B   C   B   A   A   C   A     Non-QM 1
57390 XXXXX 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     A 1 XXXXX CA P 1 C   A   A   A   A   A   C   A     Non-QM 1
57391 XXXXX XXXXX 6317030 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.           02/23/2022     A 1 XXXXX CA P 1 C   B   A   A   C   B   C   A     Non-QM 1
57391 XXXXX XXXXX 6317031 898 XXXXX Compliance 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 &amp; 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   B 2 XXXXX CA P 1 C   B   A   A   C   B   C   A     Non-QM 1
57391 XXXXX XXXXX 6668537 1061 XXXXX Compliance 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 B 2 XXXXX CA P 1 C   B   A   A   C   B   C   A     Non-QM 1
57393 XXXXX 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     A 1 XXXXX CA I 1 C   A   A   A   N/A N/A C   A     Exempt 1
57397 XXXXX 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     A 1 XXXXX GA I 3 C   A   C   A   N/A N/A C   A     Exempt 1
57397 XXXXX 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     A 1 XXXXX GA I 3 C   A   C   A   N/A N/A C   A     Exempt 1
57786 XXXXX 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     A 1 XXXXX CA P 3 C   A   B   A   C   A   C   A     Non-QM 1
57786 XXXXX 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     A 1 XXXXX CA P 3 C   A   B   A   C   A   C   A     Non-QM 1
57786 XXXXX 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     A 1 XXXXX CA P 3 C   A   B   A   C   A   C   A     Non-QM 1
57788 XXXXX 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 B 2 XXXXX CA P 3 C   B   C   B   A   A   C   A     Non-QM 1
57789 XXXXX 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 B 2 XXXXX CA P 13 C   B   C   B   A   A   C   A     Non-QM 1
57791 XXXXX 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 B 2 XXXXX FL I 1 C   B   C   B   N/A N/A C   A     Exempt 1
57793 XXXXX XXXXX 6355948 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     01/12/2022     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
57793 XXXXX XXXXX 6355949 897 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
57800 XXXXX 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   C   A     Non-QM 1
57800 XXXXX 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   C   A     Non-QM 1
57800 XXXXX XXXXX 6345041 898 XXXXX Compliance 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   C   A     Non-QM 1
57800 XXXXX XXXXX 6345679 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.           01/26/2022     A 1 XXXXX OR P 1 C   B   C   B   C   A   C   A     Non-QM 1
57800 XXXXX 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 B 2 XXXXX OR P 1 C   B   C   B   C   A   C   A     Non-QM 1
57801 XXXXX 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     A 1 XXXXX CA I 1 C   A   C   A   N/A N/A C   A     Exempt 1
57801 XXXXX 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     A 1 XXXXX CA I 1 C   A   C   A   N/A N/A C   A     Exempt 1
57801 XXXXX 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     A 1 XXXXX CA I 1 C   A   C   A   N/A N/A C   A     Exempt 1
57803 XXXXX XXXXX 6360283 870 XXXXX Compliance Appraisal   Appraisal - Other:   California property, water heater is not strapped. Docs provided.     01/25/2022     A 1 XXXXX CA P 1 C   B   C   B   C   A   C   A     Non-QM 1
57803 XXXXX 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 B 2 XXXXX CA P 1 C   B   C   B   C   A   C   A     Non-QM 1
57805 XXXXX 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 B 2 XXXXX ID S 1 C   B   C   B   A   A   C   A     Non-QM 1
57806 XXXXX 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     A 1 XXXXX GA P 1 C   A   C   A   C   A   C   A     Non-QM 1
57806 XXXXX XXXXX 6344943 72 XXXXX Compliance Closing Package   Closing Package -    File is missing XXXXX XXXXXXX XXXXXX & XXXXXXX XXXXXX XXXXXXX XXXXX Information provided     01/12/2022     A 1 XXXXX GA P 1 C   A   C   A   C   A   C   A     Non-QM 1
57807 XXXXX 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     A 1 XXXXX FL P 1 C   A   A   A   A   A   C   A     Non-QM 1
57810 XXXXX 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     A 1 XXXXX CA I 1 C   A   A   A   N/A N/A C   A     Exempt 1
57785 XXXXX 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 B 2 XXXXX CA P 1 C   B   C   B   A   A   C   A     Non-QM 1
58139 XXXXX 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     A 1 XXXXX CA I 13 C   A   A   A   N/A N/A C   A     Exempt 1
58139 XXXXX 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     A 1 XXXXX CA I 13 C   A   A   A   N/A N/A C   A     Exempt 1
58140 XXXXX XXXXX 6367798 902 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   B   A   C   A   C   A     Non-QM 1
58140 XXXXX 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     A 1 XXXXX CA P 13 C   A   B   A   C   A   C   A     Non-QM 1
58144 XXXXX XXXXX 6587069 330 XXXXX Credit UW Credit   UW Credit - UW - Credit 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 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     A 1 XXXXX CA I 13 C   A   A   A   N/A N/A C   A     Exempt 1
58145 XXXXX 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     A 1 XXXXX CA I 3 C   A   A   A   N/A N/A C   A     Exempt 1
58146 XXXXX 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     A 1 XXXXX CA I 3 C   A   C   A   N/A N/A C   A     Exempt 1
58146 XXXXX 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     A 1 XXXXX CA I 3 C   A   C   A   N/A N/A C   A     Exempt 1
58165 XXXXX 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     A 1 XXXXX TX P 1 C   A   C   A   A   A   C   A     Non-QM 1
58169 XXXXX XXXXX 6361992 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     11/24/2021     A 1 XXXXX CA P 1 C   A   A   A   C   A   C   A     Non-QM 1
58169 XXXXX XXXXX 6367814 884 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   A   A   A   C   A   C   A     Non-QM 1
58169 XXXXX XXXXX 6367815 899 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   A   A   A   C   A   C   A     Non-QM 1
58133 XXXXX 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.    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 B 2 XXXXX FL P 1 C   B   C   B   A   A   C   A     Non-QM 1
58141 XXXXX XXXXX 6377877 901 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   C   A     Non-QM 1
58141 XXXXX XXXXX 6377878 902 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   C   A     Non-QM 1
58147 XXXXX XXXXX 6378673 902 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   C   A     Non-QM 1
58147 XXXXX XXXXX 6378674 973 XXXXX Compliance Compliance   Compliance - CD- 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   C   A     Non-QM 1
58137 XXXXX 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 B 2 XXXXX VA P 3 C   B   C   B   A   A   C   A     Non-QM 1
58143 XXXXX 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     A 1 XXXXX AZ P 13 D   A   D   A   A   A   C   A     Non-QM 1
58149 XXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
60287 XXXXX XXXXX 6482500 902 XXXXX Compliance 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     A 1 XXXXX AZ P 1 C   A   A   A   C   A   C   A     Non-QM 1
60287 XXXXX XXXXX 6482501 973 XXXXX Compliance 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     A 1 XXXXX AZ P 1 C   A   A   A   C   A   C   A     Non-QM 1
58162 XXXXX 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 B 2 XXXXX NV I 13 C   B   C   B   N/A N/A C   A     Exempt 1
58166 XXXXX XXXXX 6481895 899 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   B   A   A   C   B   C   A     Non-QM 1
58166 XXXXX XXXXX 6481896 902 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   B   A   A   C   B   C   A     Non-QM 1
58166 XXXXX XXXXX 6716079 1061 XXXXX Compliance 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 B 2 XXXXX CA P 1 C   B   A   A   C   B   C   A     Non-QM 1
60289 XXXXX XXXXX 6492617 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     02/23/2022     A 1 XXXXX TX P 1 C   B   A   A   C   B   C   A     Non-QM 1
60289 XXXXX XXXXX 6492618 898 XXXXX Compliance 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     A 1 XXXXX TX P 1 C   B   A   A   C   B   C   A     Non-QM 1
60289 XXXXX XXXXX 6668528 1061 XXXXX Compliance 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 B 2 XXXXX TX P 1 C   B   A   A   C   B   C   A     Non-QM 1
60282 XXXXX 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     A 1 XXXXX FL P 1 C   A   C   A   A   A   C   A     Non-QM 1
60291 XXXXX 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 B 2 XXXXX CA P 1 C   B   C   B   A   A   C   A     Non-QM 1
60293 XXXXX XXXXX 6515122 902 XXXXX Compliance 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     A 1 XXXXX HI S 1 C   A   A   A   C   A   C   A     Non-QM 1
60293 XXXXX 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     A 1 XXXXX HI S 1 C   A   A   A   C   A   C   A     Non-QM 1
61362 XXXXX 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     A 1 XXXXX CA P 13 C   A   A   A   A   A   C   A     Non-QM 1
61377 XXXXX XXXXX 6515819 970 XXXXX Compliance Compliance   Compliance - CD- Missing   Initial XXXXXXX disclosure is missing Information provided     01/24/2022     A 1 XXXXX CA S 13 C   A   B   A   C   A   C   A     Non-QM 1
61377 XXXXX 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     A 1 XXXXX CA S 13 C   A   B   A   C   A   C   A     Non-QM 1
61366 XXXXX 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 B 2 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
61369 XXXXX 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     A 1 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
61369 XXXXX 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 B 2 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
61373 XXXXX 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     A 1 XXXXX FL I 13 D   A   D   A   N/A N/A C   A     Exempt 1
61373 XXXXX 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     A 1 XXXXX FL I 13 D   A   D   A   N/A N/A C   A     Exempt 1
61373 XXXXX 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     A 1 XXXXX FL I 13 D   A   D   A   N/A N/A C   A     Exempt 1
61373 XXXXX 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     A 1 XXXXX FL I 13 D   A   D   A   N/A N/A C   A     Exempt 1
61374 XXXXX 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 B 2 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
61363 XXXXX 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 B 2 XXXXX TX I 13 C   B   C   B   N/A N/A C   A     Exempt 1
61367 XXXXX 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 B 2 XXXXX CA P 3 C   B   C   B   A   A   C   A     Non-QM 1
61371 XXXXX 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 B 2 XXXXX WA P 13 C   B   C   B   A   A   C   A     Non-QM 1
61348 XXXXXX 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     A 1 XXXXX CO I 3 C   A   C   A   N/A N/A C   A     Exempt 1
61352 XXXXXX XXXXXX 6602733 72 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     A 1 XXXXX GA I 1 C   A   C   A   N/A N/A C   A     Exempt 1
61352 XXXXXX 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     A 1 XXXXX GA I 1 C   A   C   A   N/A N/A C   A     Exempt 1
61354 XXXXXX XXXXXX 6603707 986 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
61354 XXXXXX XXXXXX 6604348 897 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
61354 XXXXXX XXXXXX 6604349 902 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
61357 XXXXXX XXXXXX 6604536 898 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   A   A   A   A   A   C   A     QM Safe Harbor 1
61357 XXXXXX XXXXXX 6604537 902 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   A   A   A   A   A   C   A     QM Safe Harbor 1
61349 XXXXXX 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     A 1 XXXXX CA I 1 D   B   D   B   N/A N/A C   A     Exempt 1
61349 XXXXXX 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 B 2 XXXXX CA I 1 D   B   D   B   N/A N/A C   A     Exempt 1
61347 XXXXXX 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 B 2 XXXXX HI P 1 C   B   C   B   A   A   C   A     Non-QM 1
61356 XXXXXX 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     A 1 XXXXX AZ P 1 C   A   C   A   A   A   C   A     Non-QM 1
61356 XXXXXX 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     A 1 XXXXX AZ P 1 C   A   C   A   A   A   C   A     Non-QM 1
61351 XXXXXX 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 B 2 XXXXX CA P 1 C   B   C   B   A   A   C   A     Non-QM 1
61358 XXXXXX 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     A 1 XXXXX CA P 3 C   A   A   A   A   A   C   A     Non-QM 1
61350 XXXXXX XXXXXX 6603135 973 XXXXX Credit Compliance   Compliance - CD- Other   Missing XXXXX XXXXX XXXXXX.  Estimated XXXXX XXXXXX is provided. Information provided     02/09/2022     A 1 XXXXX AZ I 1 C   A   A   A   N/A N/A C   A     Exempt 1
61360 XXXXXX 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     A 1 XXXXX CA I 1 C   A   C   A   N/A N/A C   A     Exempt 1
61360 XXXXXX 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     A 1 XXXXX CA I 1 C   A   C   A   N/A N/A C   A     Exempt 1
61360 XXXXXX XXXXXX 6613611 970 XXXXX Credit Compliance   Compliance - CD- Missing   Provide XXXXX, signed XXXXX XXXXXX for XXXXX. Information provided     02/09/2022     A 1 XXXXX CA I 1 C   A   C   A   N/A N/A C   A     Exempt 1
62110 XXXXX XXXXX 6610303 840 XXXXX Credit Disclosure   Disclosure - HPML- need evidence of rate lock date with borrower           02/09/2022     A 1 XXXXX HI I 13 C   A   A   A   N/A N/A C   A     Exempt 1
62112 XXXXX XXXXX 6605678 902 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   B   A   C   A   C   A     Non-QM 1
62112 XXXXX XXXXX 6605679 963 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   B   A   C   A   C   A     Non-QM 1
62112 XXXXX 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     A 1 XXXXX CA P 3 C   A   B   A   C   A   C   A     Non-QM 1
63360 XXXXXX 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     A 1 XXXXX CA P 1 C   A   C   A   C   A   C   A     Non-QM 1
63360 XXXXXX 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     A 1 XXXXX CA P 1 C   A   C   A   C   A   C   A     Non-QM 1
63360 XXXXXX 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     A 1 XXXXX CA P 1 C   A   C   A   C   A   C   A     Non-QM 1
63360 XXXXXX XXXXXX 6657746 898 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   A   C   A   C   A   C   A     Non-QM 1
63360 XXXXXX XXXXXX 6657747 902 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   A   C   A   C   A   C   A     Non-QM 1
62097 XXXXXX 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 B 2 XXXXX HI I 1 D   B   D   B   N/A N/A A   A     Exempt 1
62097 XXXXXX 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     A 1 XXXXX HI I 1 D   B   D   B   N/A N/A A   A     Exempt 1
62097 XXXXXX 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     A 1 XXXXX HI I 1 D   B   D   B   N/A N/A A   A     Exempt 1
62098 XXXXXX 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     A 1 XXXXX ID I 1 C   A   C   A   N/A N/A C   A     Exempt 1
62100 XXXXXX 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     A 1 XXXXX TX I 13 C   A   A   A   N/A N/A C   A     Exempt 1
62100 XXXXXX 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     A 1 XXXXX TX I 13 C   A   A   A   N/A N/A C   A     Exempt 1
62104 XXXXXX 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     A 1 XXXXX HI I 13 C   A   A   A   N/A N/A C   A     Exempt 1
62108 XXXXXX XXXXXX 6612340 666 XXXXX Compliance Sales Contract   Sales Contract - Compliance \ Sales Contract missing   Sales XXXXX missing Information provided     02/08/2022     A 1 XXXXX CA P 1 C   A   A   A   C   A   C   A     Non-QM 1
62113 XXXXX 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 B 2 XXXXX TX I 1 C   B   C   B   N/A N/A C   A     Exempt 1
62116 XXXXX 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     A 1 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
62116 XXXXX 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     A 1 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
62116 XXXXX 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 B 2 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
62119 XXXXX 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 B 2 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
62119 XXXXX XXXXX 6647343 1108 XXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Missing valuation. Docs provided.     02/08/2022     A 1 XXXXX FL I 13 C   B   C   B   N/A N/A C   A     Exempt 1
62765 XXXXXX 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     A 1 XXXXX FL I 1 C   A   A   A   N/A N/A C   A     Exempt 1
62765 XXXXXX XXXXXX 6646187 382 XXXXX Credit UW Other   UW Other - UW - HUD-1 to evidence source of funds     Received     02/23/2022     A 1 XXXXX FL I 1 C   A   A   A   N/A N/A C   A     Exempt 1
62095 XXXXXX XXXXXX 6642789 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     02/23/2022     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
62095 XXXXXX XXXXXX 6642790 898 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
62096 XXXXXX XXXXXX 6643053 973 XXXXX Compliance Compliance   Compliance - CD- Other   Please provide a XXXX verifying the correct funding date and disbursement date. Information provided     02/24/2022     A 1 XXXXX CA P 13 C   A   A   A   C   A   C   A     Non-QM 1
62096 XXXXXX XXXXXX 6643050 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     03/04/2022     A 1 XXXXX CA P 13 C   A   A   A   C   A   C   A     Non-QM 1
62096 XXXXXX XXXXXX 6643051 898 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   C   A     Non-QM 1
62096 XXXXXX XXXXXX 6643052 966 XXXXX Compliance Compliance   Compliance - CD- Data Missing   Please provide a XXXX with section E recording fees itemized. Information provided     02/24/2022     A 1 XXXXX CA P 13 C   A   A   A   C   A   C   A     Non-QM 1
62103 XXXXXX 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     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
62103 XXXXXX XXXXXX 6642965 902 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
62103 XXXXXX XXXXXX 6642966 966 XXXXX Compliance Compliance   Compliance - CD- Data Missing   Please provide a XXXX showing section E recording fees itemized. Information provided     02/23/2022     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
62103 XXXXXX XXXXXX 6642967 973 XXXXX Compliance Compliance   Compliance - CD- Other   Please provide a XXXX verifying the correct funding date and disbursement date. Information provided     02/23/2022     A 1 XXXXX CA P 3 C   A   A   A   C   A   C   A     Non-QM 1
62771 XXXXX 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     A 1 XXXXX WA I 3 C   A   A   A   N/A N/A C   A     Exempt 1
62772 XXXXX 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     A 1 XXXXX HI I 3 C   A   A   A   N/A N/A C   A     Exempt 1
62759 XXXXXX 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     A 1 XXXXX HI P 13 C   A   A   A   A   A   C   A     Non-QM 1
62769 XXXXXX XXXXXX 6646664 902 XXXXX Compliance 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     A 1 XXXXX CA P 1 C   A   A   A   C   A   C   A     Non-QM 1
62769 XXXXXX 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     A 1 XXXXX CA P 1 C   A   A   A   C   A   C   A     Non-QM 1
62757 XXXXXX XXXXXX 6676357 920 XXXXX Credit Compliance   Compliance - TRID-Missing Final CD   Please provide final XX signed at closing Final\ XX\ provided     03/25/2022     A 1 XXXXX CA I 13 A   A   A   A   N/A N/A A   A     Exempt 1
62762 XXXXXX XXXXXX 6686587 320 XXXXX Credit UW Assets   UW Assets - UW - Asset Other   Missing XX/XXXX Received     03/21/2022     A 1 XXXXX CA P 13 A   A   A   A   A   A   A   A     Non-QM 1
62767 XXXXXX 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     A 1 XXXXX CA I 3 C   A   A   A   N/A N/A C   A     Exempt 1
62767 XXXXXX 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     A 1 XXXXX CA I 3 C   A   A   A   N/A N/A C   A     Exempt 1
62763 XXXXXX XXXXXX 6677782 902 XXXXX Compliance 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     A 1 XXXXX CA P 13 C   A   A   A   C   A   A   A     Non-QM 1
62763 XXXXXX XXXXXX 6677783 973 XXXXX Compliance Compliance   Compliance - CD- Other   Please provide a XXXX verifying the correct funding date and disbursement date. Information provided     03/10/2022     A 1 XXXXX CA P 13 C   A   A   A   C   A   A   A     Non-QM 1
62105 XXXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
62105 XXXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
62105 XXXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
63361 XXXXXX XXXXXX 6708350 884 XXXXX Credit Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information\ provided     03/16/2022     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
63361 XXXXXX XXXXXX 6708351 897 XXXXX Credit Compliance   Compliance - TRID CD- Other   Missing XX''''s from file Information\ provided     03/16/2022     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
63362 XXXXXX 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     A 1 XXXXX CA P 1 A   A   A   A   A   A   A   A     Non-QM 1
63368 XXXXXX 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     A 1 XXXXX CA I 13 A   A   A   A   N/A N/A A   A     Exempt 1
63368 XXXXXX 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     A 1 XXXXX CA I 13 A   A   A   A   N/A N/A A   A     Exempt 1
63368 XXXXXX 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     A 1 XXXXX CA I 13 A   A   A   A   N/A N/A A   A     Exempt 1
63369 XXXXXX XXXXXX 6722767 884 XXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information\ provided     03/21/2022     A 1 XXXXX CA P 3 C   B   A   B   C   A   A   A     Non-QM 1
63369 XXXXXX XXXXXX 6722768 895 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   B   A   B   C   A   A   A     Non-QM 1
63369 XXXXXX XXXXXX 6723091 898 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   B   A   B   C   A   A   A     Non-QM 1
63369 XXXXXX XXXXXX 6723092 902 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   B   A   B   C   A   A   A     Non-QM 1
63369 XXXXXX XXXXXX 6723093 973 XXXXX Compliance 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     A 1 XXXXX CA P 3 C   B   A   B   C   A   A   A     Non-QM 1
63369 XXXXXX 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 B 2 XXXXX CA P 3 C   B   A   B   C   A   A   A     Non-QM 1
63373 XXXXXX XXXXXX 6724303 110 XXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - legal description is missing.     Information\ provided     03/21/2022     A 1 XXXXX FL P 1 C   A   A   A   C   A   A   A     Non-QM 1
63373 XXXXXX XXXXXX 6724314 879 XXXXX Compliance Application   Application - Other:   Employment\ start\ date\ is\ missing\ from\ application\. Information\ provided     03/21/2022     A 1 XXXXX FL P 1 C   A   A   A   C   A   A   A     Non-QM 1
63373 XXXXXX 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     A 1 XXXXX FL P 1 C   A   A   A   C   A   A   A     Non-QM 1
64010 XXXXXX 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 B 2 XXXXX CA P 13 C   B   C   B   A   A   A   A     Non-QM 1
64010 XXXXXX 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     A 1 XXXXX CA P 13 C   B   C   B   A   A   A   A     Non-QM 1
64013 XXXXXX 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     A 1 XXXXX CA P 1 A   A   A   A   A   A   A   A     Non-QM 1
64027 XXXXXX 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     A 1 XXXXX WA P 1 A   A   A   A   A   A   A   A     Non-QM 1
64031 XXXXXX 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     A 1 XXXXX CA P 1 A   A   A   A   A   A   A   A     Non-QM 1
64012 XXXXXX 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     A 1 XXXXX WA I 3 C   A   C   A   N/A N/A A   A     Exempt 1
64012 XXXXXX XXXXXX 6748530 897 XXXXX Credit Compliance   Compliance - TRID CD- Other   Please\ provide\ any\ revised\ XX''''s\. Information\ provided     04/04/2022     A 1 XXXXX WA I 3 C   A   C   A   N/A N/A A   A     Exempt 1
64012 XXXXXX 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     A 1 XXXXX WA I 3 C   A   C   A   N/A N/A A   A     Exempt 1
64012 XXXXXX XXXXXX 6748532 920 XXXXX Credit Compliance   Compliance - TRID-Missing Final CD     Information\ provided     04/04/2022     A 1 XXXXX WA I 3 C   A   C   A   N/A N/A A   A     Exempt 1
64016 XXXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
64016 XXXXXX 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     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
64016 XXXXXX XXXXXX 6748940 920 XXXXX Credit Compliance   Compliance - TRID-Missing Final CD     Information\ provided     04/04/2022     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
64016 XXXXXX XXXXXX 6749318 72 XXXXX Credit Closing Package   Closing Package -    Final\ XX\ is\ missing Information\ provided     04/04/2022     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
64016 XXXXXX XXXXXX 6754321 330 XXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final\ XX\ to\ verify\ cash\ out\ is\ missing\. Received     04/04/2022     A 1 XXXXX CA I 13 C   A   C   A   N/A N/A A   A     Exempt 1
64009 XXXXXX XXXXXX 6754494 330 XXXXX Credit UW Credit   UW Credit - UW - Credit Other   Closing\ XXXXX\ to\ verify\ cash\ out\ is\ missing\. Received     04/04/2022     A 1 XXXXX CT I 13 A   A   A   A   N/A N/A A   A     Exempt 1
63370 XXXXXX 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     A 1 XXXXX TX I 1 C   A   C   A   N/A N/A A   A     Exempt 1
63371 XXXXXX 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX XXXXXX 6749505 891 XXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application     Information\ provided     04/05/2022     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX XXXXXX 6749506 895 XXXXX Compliance 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX XXXXXX 6749507 902 XXXXX Compliance 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX XXXXXX 6749509 891 XXXXX Compliance Compliance   Compliance - TRID LE-  Initial LE not disclosed within 3 days of Application     Information\ provided     04/05/2022     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX XXXXXX 6749510 895 XXXXX Compliance 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX XXXXXX 6749511 902 XXXXX Compliance 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX XXXXXX 6751053 898 XXXXX Compliance 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     A 1 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
63371 XXXXXX 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 B 2 XXXXX OR P 1 C   B   C   B   C   A   A   A     Non-QM 1
64023 XXXXXX 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     A 1 XXXXX TX I 1 A   A   A   A   N/A N/A A   A     Exempt 1
64026 XXXXXX XXXXXX 6760249 330 XXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing\ XXXXXXX\ XXXXX\ from\ file\. Received     04/08/2022     A 1 XXXXX CA I 1 A   A   A   A   N/A N/A A   A     Exempt 1

 

 


 

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 XXXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX                                                     N/A 1
60461 XXXXXXXXXX XXXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX                                                     N/A 1
60460 XXXXXXXXXX XXXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX                                                     N/A 1
60459 XXXXXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 25.40% XXXXXXXX 1004                                               N/A 1.5
61347 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
61348 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
61349 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate risk XXXXXXXX                                 N/A  
61350 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
61351 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 3.75% XXXXXXXX 1004                                               N/A  
61352 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
62094 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
61353 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital LOW RISK XXXXXXXX                                 N/A  
62095 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate risk XXXXXXXX                                 N/A  
62096 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
63360 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
61354 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate risk XXXXXXXX                                 N/A  
62097 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
62098 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXX 0.76% Clear Capital Moderate XXXXXXXX                                 N/A  
61355 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
61356 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62099 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate risk XXXXXXXX                                 N/A  
61357 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62100 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE RISK XXXXXXXX                                 N/A  
62101 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
62755 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
62102 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
63361 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
61358 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
64009 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62103 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
61359 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate risk XXXXXXXX                                 N/A  
62756 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXXX -6.64% Clear Capital Moderate XXXXXXXX                                 N/A  
62104 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62105 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62757 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
62106 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
62108 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXXX XXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
61360 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
62758 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62759 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
62760 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital LOW XXXXXXXX                                 N/A  
63362 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 1.89% XXXXXXXX 1004                                               N/A  
64010 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
62761 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE  XXXXXXXX                                 N/A  
62762 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXX 1.22% Clear Capital Low Risk XXXXXXXX                                 N/A  
64011 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
62763 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Modrate XXXXXXXX                                 N/A  
62109 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX XXXXXXX -9.49% Clear Capital low XXXXXXXX                                 N/A  
62764 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
62765 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A 3.1
63363 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62766 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
62767 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX XXXXXX 3.03% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
62768 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
63365 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX 0.00% XXXXXXXX 1004D       XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A 1
62769 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
63367 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXXX -6.33% Clear Capital Moderate XXXXXXXX                                 N/A  
63368 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
63369 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
63370 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX 0.00% XXXXXXXX 1004D       XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
63371 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX 0.00% XXXXXXXX 1004                                               N/A  
64012 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
64013 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
64014 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX             XXXXXX 0.00% Thomas Appraisal Company XXXXXXXX               N/A  
64016 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
64017 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
64019 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
64020 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
64021 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
63372 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
64022 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX 4.35% XXXXXXXX 1004                                               N/A  
64023 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
63373 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX 0.00% XXXXXXXX 1004D       XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
64024 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
64025 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
64026 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
64027 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
64028 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
64029 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 2.41% XXXXXXXX 1004                                               N/A  
64031 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
64032 XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49074 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 5.46% XXXXXXXX 1004                                               N/A  
49538 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
56087 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57371 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate  XXXXXXXX                                 N/A  
56076 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
60281 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
57785 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 1.09% XXXXXXXX 1004                                               N/A  
48557 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49060 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
50719 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49058 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49533 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49063 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49059 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49056 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX -2.24% XXXXXXXX 1004                                               N/A  
49540 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 15.00% XXXXXXXX 1004                                               N/A  
62110 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
49528 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49064 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX XXXXXX 4.17% Clear Capital Unknown XXXXXXXX                                 N/A  
49541 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49065 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
55405 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX XXXXXX 5.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49062 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49080 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
49635 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49075 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
49081 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49524 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49525 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49076 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
49529 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
49534 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 1.67% XXXXXXXX 1004                                               N/A  
49078 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49530 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
49537 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXX -0.43% Clear Capital Moderate XXXXXXXX                                 N/A  
49531 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
50720 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49633 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49073 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
49634 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49636 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49535 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49536 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49532 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXX 0.16% XXXXXXXX                                                 N/A  
49632 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
49527 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
50722 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
49539 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
54190 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
50723 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
50724 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
54191 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 1.52% XXXXXXXX 1004                                               N/A  
50726 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
50727 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
53387 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 1.02% XXXXXXXX 1004                                               N/A  
52364 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 0.20% XXXXXXXX 1004                                               N/A  
52365 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 1.77% XXXXXXXX 1004                                               N/A  
62111 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
62112 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004D       XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
52366 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
50729 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
50730 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
50731 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
50732 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
56088 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
55406 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE RISK XXXXXXXX                                 N/A  
55407 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
52367 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
52368 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
53388 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 4.53% XXXXXXXX 1004                                               N/A  
52369 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
52370 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
54193 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
57786 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 13.33% XXXXXXXX 1073                                               N/A  
56089 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
52371 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
52372 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
54194 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
55408 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
58131 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
52374 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
55409 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital LOW RISK XXXXXXXX                                 N/A  
52375 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57356 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004D       XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
55410 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
55411 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
56090 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
56091 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate risk XXXXXXXX                                 N/A  
56092 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate risk XXXXXXXX                                 N/A  
56093 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
52376 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
53390 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
53391 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
53392 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
55412 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
53393 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
54197 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
56094 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXX 11.18% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
56095 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX XXXX 0.75% XXXXXXXX 1073                                               N/A  
56096 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
55413 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
55414 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
55415 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57357 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
55416 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXXX -4.20% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
56097 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
56098 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
55417 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 2.32% XXXXXXXX 1004                                               N/A  
57358 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57359 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
55418 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital MODERATE RISK XXXXXXXX                                 N/A  
57361 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
56099 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
56100 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
55419 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
57362 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
55420 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
56077 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
56101 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
56102 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXX 24.14% Clear Capital low XXXXXXXX                                 N/A  
55421 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
57363 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
56103 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
56104 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXXX -2.86% Clear Capital Moderate XXXXXXXX                                 N/A  
56078 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
56105 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
54198 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
56079 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A 1
57364 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
55422 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE RISK XXXXXXXX                                 N/A  
56106 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
55423 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
56107 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57787 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 1.60% XXXXXXXX 1004                                               N/A  
56109 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
56080 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
56111 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57365 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
57366 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
61361 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low  XXXXXXXX                                 N/A  
57367 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57368 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
56081 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57369 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
58132 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 2.32% XXXXXXXX 1004                                               N/A  
56082 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57788 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58133 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57370 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
56112 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 3.55% XXXXXXXX 1004                                               N/A  
56113 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
56084 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
56114 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
57789 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
56115 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57372 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
57373 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
56116 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
56117 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate risk XXXXXXXX                                 N/A  
57790 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
57374 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXX 0.53% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57791 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57375 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
57376 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57377 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
57378 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
57379 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low  XXXXXXXX                                 N/A  
56118 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX 0.00% XXXXXXXX 1004                                               N/A  
58134 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57381 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
57382 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57383 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
57384 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX XXXXXXX -6.67% Clear Capital Moderate XXXXXXXX                                 N/A  
58135 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate Risk XXXXXXXX                                 N/A  
57792 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
56085 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
57793 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate  XXXXXXXX                                 N/A  
57385 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk  XXXXXXXX                                 N/A  
57386 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57387 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 3.23% XXXXXXXX 1025                                               N/A  
57388 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXX 2.99% Clear Capital 0.0 XXXXXXXX                                 N/A  
57794 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57795 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57796 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 5.26% XXXXXXXX 1004                                               N/A  
57797 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A 1
57389 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXX 0.22% XXXXXXXX 1004                                               N/A  
56086 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX 0.00% XXXXXXXX 1004D       XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
57799 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
57800 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58137 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
57801 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital 0.0 XXXXXXXX                                 N/A  
60282 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
57390 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate risk XXXXXXXX                                 N/A  
58138 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
58139 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57802 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
57391 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58140 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
60283 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57392 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
58141 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXX XXXXXX -8.65% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58142 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
58143 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
57393 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital 0.0 XXXXXXXX                                 N/A  
58144 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58145 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
58146 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
60284 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
61362 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57394 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
57803 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX XXXXXX -2.91% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58147 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1025                                               N/A  
57804 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital 0.0 XXXXXXXX                                 N/A  
58148 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital LOW XXXXXXXX                                 N/A  
58149 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58150 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57805 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
58152 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX XXXXXXX -7.33% Clear Capital Moderate XXXXXXXX                                 N/A  
61363 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62113 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57806 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low  XXXXXXXX                                 N/A  
58153 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital low XXXXXXXX                                 N/A  
57807 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 4.51% XXXXXXXX 1004                                               N/A  
57808 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58157 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
58158 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58159 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
57809 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
61364 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57810 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital 0.0 XXXXXXXX                                 N/A  
62770 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 11.33% XXXXXXXX 1004                                               N/A  
58160 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58161 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX 0.00% XXXXXXXX 1004D       XXXXXX 0.00% Clear Capital Low Risk XXXXXXXX                                 N/A  
60287 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
62771 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital low  XXXXXXXX                                 N/A  
58162 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital low risk XXXXXXXX                                 N/A  
58163 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
57811 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 4.29% XXXXXXXX 1004                                               N/A  
62114 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
62115 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
62116 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57812 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
62117 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57395 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital 0.0 XXXXXXXX                                 N/A  
62118 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
62119 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low risk XXXXXXXX                                 N/A  
57396 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57397 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
61365 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate  XXXXXXXX                                 N/A  
58164 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
58165 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
58166 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57813 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX -1.37% XXXXXXXX 1004                                               N/A  
58167 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate Risk XXXXXXXX                                 N/A  
57814 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXX 3.47% XXXXXXXX 1004                                               N/A  
61366 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
57815 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
60289 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXXX 32.31% XXXXXXXX 1004                                               N/A  
61367 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004D       XXXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
58168 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004                                               N/A  
60290 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXX 18.15% XXXXXXXX 1004                                               N/A  
58169 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
60291 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXX 0.25% XXXXXXXX 1004                                               N/A  
62772 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXX 0.00% XXXXXXXX 1004D                                               N/A  
61368 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
61369 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
58170 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A 1.7
58172 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
61370 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
60292 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Low XXXXXXXX                                 N/A  
58173 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital C3 XXXXXXXX                                 N/A  
60293 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital low  XXXXXXXX                                 N/A  
61371 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX 0.00% XXXXXXXX 1004D       XXXXXX XXXXXX -3.25% Clear Capital moderate risk XXXXXXXX                                 N/A  
61372 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital Moderate XXXXXXXX                                 N/A  
61373 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital 0.0 XXXXXXXX                                 N/A  
61374 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital moderate  XXXXXXXX                                 N/A  
61375 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXXX XXXXXX 160.99% Clear Capital Moderate XXXXXXXX                                 N/A  
61376 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX             XXXXXX 0.00% Clear Capital MODERATE XXXXXXXX                                 N/A  
58174 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX             XXXXXXX 0.00% Clear Capital moderate XXXXXXXX                                 N/A  
61377 XXXXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXX 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 XXXXXXXXXX Exempt N/A No XXXXXXXXXX Yes     0.00% Not Required   US Citizen   No  
60461 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX Yes     0.00% Not Required   Permanent Resident Alien   No  
60460 XXXXXXXXXX XXXXXXXXXX Exempt N/A No XXXXXXXXXX Yes     0.00% Unemployed   US Citizen   No  
60459 XXXXXXXXXX XXXXXXXXXX Non-QM N/A No XXXXXXXXXX   $2,190.00 10/04/2021 4.515% Self-Employed Unemployed Non Permanent Resident Alien Non Permanent Resident Alien No  
61347 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $19,527.80 11/05/2021 4.065% Self-Employed   US Citizen   No  
61348 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
61349 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Employed Self-Employed US Citizen US Citizen No  
61350 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required Not Required US Citizen US Citizen No  
61351 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $67,432.50 11/10/2021 3.655% Self-Employed   US Citizen   No  
61352 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   US Citizen   No  
62094 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $10,601.25 12/17/2021 3.514% Self-Employed Self-Employed Permanent Resident Alien US Citizen No  
61353 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $14,740.00 12/10/2021 3.691% Employed   US Citizen   Yes $4,647.34
62095 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $20,150.51 11/12/2021 3.795% Self-Employed   US Citizen   No  
62096 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $15,251.25 11/11/2021 4.103% Self-Employed   US Citizen   No  
63360 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $12,852.50 11/10/2021 6.236% Self-Employed   Permanent Resident Alien   No  
61354 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $8,313.00 11/09/2021 3.371% Self-Employed   US Citizen   No  
62097 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   12/27/2021 0.00% Self-Employed Employed US Citizen US Citizen No  
62098 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
61355 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   US Citizen   No  
61356 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,247.50 11/15/2021 5.703% Employed   US Citizen   No  
62099 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
61357 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $34,140.51 11/15/2021 4.792% Self-Employed   US Citizen   No  
62100 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   11/18/2021 0.00% Not Required Not Required US Citizen US Citizen No  
62101 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   11/15/2021 0.00% Self-Employed Self-Employed US Citizen US Citizen Yes $5,836.18
62755 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $19,741.25 01/03/2022 4.236% Self-Employed   US Citizen   No  
62102 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $14,132.50 12/16/2021 3.51% Self-Employed   US Citizen   No  
63361 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   12/28/2021 0.00% Not Required   US Citizen   No  
61358 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $19,620.00 12/06/2021 3.446% Self-Employed   US Citizen   No  
64009 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
62103 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $11,152.50 12/22/2021 3.597% Self-Employed   US Citizen   No  
61359 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX     12/13/2021 0.00% Retired   US Citizen   No  
62756 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $7,120.00 01/21/2022 5.181% Self-Employed   US Citizen   No  
62104 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   11/23/2021 0.00% Not Required Not Required US Citizen US Citizen No  
62105 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   12/21/2021 0.00% Self-Employed   US Citizen   No  
62757 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   11/23/2021 0.00% Self-Employed Self-Employed US Citizen US Citizen No  
62106 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $16,075.00 12/27/2021 4.051% Self-Employed   US Citizen   No  
62108 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,420.00 12/23/2021 4.015% Self-Employed   US Citizen   No  
61360 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   12/13/2021 0.00% Not Required Not Required US Citizen US Citizen No  
62758 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
62759 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $14,700.00 01/10/2022 4.134% Not Required Not Required US Citizen US Citizen No  
62760 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
63362 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $22,820.00 12/23/2021 5.006% Self-Employed   US Citizen   No  
64010 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $30,992.70 12/11/2021 3.816% Employed Employed US Citizen US Citizen Yes $6,914.85
62761 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
62762 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $10,557.50 01/12/2022 5.058% Self-Employed   US Citizen   No  
64011 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
62763 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $16,009.38 01/18/2022 4.915% Self-Employed Employed US Citizen US Citizen No  
62109 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $32,468.75 01/03/2022 3.80% Employed Self-Employed US Citizen US Citizen No  
62764 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   US Citizen   No  
62765 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   01/04/2022 0.00% Employed Employed US Citizen US Citizen No  
63363 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required Not Required US Citizen US Citizen No  
62766 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $12,302.50 01/14/2022 4.867% Self-Employed   US Citizen   No  
62767 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   01/26/2022 0.00% Self-Employed   US Citizen   No  
62768 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX     01/24/2022 0.00% Not Required   US Citizen   No  
63365 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   01/27/2022 0.00% Not Required   US Citizen   No  
62769 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $10,542.75 01/12/2022 4.996% Self-Employed   US Citizen   No  
63367 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
63368 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   02/01/2022 0.00% Not Required Not Required US Citizen US Citizen No  
63369 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $10,515.00 02/02/2022 5.04% Self-Employed   US Citizen   No  
63370 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   Permanent Resident Alien   No  
63371 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $12,960.00 02/18/2022 6.301% Self-Employed   US Citizen   No  
64012 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   01/25/2022 0.00% Not Required   US Citizen   No  
64013 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $87,721.60 01/26/2022 4.505% Self-Employed   Permanent Resident Alien   No  
64014 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
64016 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No   02/10/2022 0.00% Not Required   US Citizen   No  
64017 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
64019 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required Not Required US Citizen US Citizen No  
64020 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required Not Required US Citizen US Citizen No  
64021 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required Not Required US Citizen US Citizen No  
63372 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
64022 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $71,850.00 02/02/2022 4.108% Employed   US Citizen   No  
64023 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
63373 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $11,370.00 02/11/2022 6.285% Self-Employed   US Citizen   No  
64024 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $22,870.00 02/12/2022 6.374% Self-Employed   US Citizen   No  
64025 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
64026 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
64027 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX   $27,124.00 03/01/2022 5.731% Self-Employed   US Citizen   No  
64028 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   Permanent Resident Alien   No  
64029 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $28,055.50 02/17/2022 4.697% Self-Employed Unemployed US Citizen US Citizen No  
64031 XXXXXXXXX XXXXXXXXX Non-QM N/A No XXXXXXXXXX No $17,127.50 03/11/2022 5.916% Self-Employed Unemployed US Citizen US Citizen No  
64032 XXXXXXXXX XXXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
49074 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/12/2021 4.393% Self-Employed   US Citizen   No  
49538 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
56087 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
57371 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $7,255.00 09/30/2021 3.83% Self-Employed   US Citizen   No  
56076 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $22,318.75 09/27/2021 3.492% Self-Employed   US Citizen   No  
60281 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $2,369.00 11/08/2021 4.38% Self-Employed   Permanent Resident Alien   No  
57785 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $24,302.50 11/05/2021 4.809% Self-Employed   US Citizen   No  
48557 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 01/29/2021 5.853% Self-Employed   US Citizen   No  
49060 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 02/12/2021 4.173% Self-Employed   Permanent Resident Alien   Yes $3,974.79
50719 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,303.55 04/01/2021 3.729% Employed Employed US Citizen US Citizen No  
49058 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 02/02/2021 2.81% Employed Employed US Citizen US Citizen No  
49533 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 03/29/2021 3.791% Self-Employed   US Citizen   No  
49063 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 03/19/2021 4.379% Self-Employed   US Citizen   No  
49059 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 03/23/2021 4.28% Self-Employed   US Citizen   No  
49056 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $6,615.00 03/17/2021 4.93% Self-Employed   US Citizen   No  
49540 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/22/2021 5.467% Self-Employed   US Citizen   No  
62110 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     12/23/2021 0.00% Self-Employed   US Citizen   No  
49528 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
49064 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Employed   US Citizen   No  
49541 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
49065 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $16,425.00 03/08/2021 3.886% Self-Employed   US Citizen   Yes $26,624.50
55405 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $56,115.00 07/20/2021 4.297% Self-Employed   US Citizen   No  
49062 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 03/16/2021 5.358% Self-Employed   US Citizen   No  
49080 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/15/2021 5.355% Self-Employed Self-Employed US Citizen US Citizen No  
49635 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
49075 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/08/2021 5.513% Self-Employed   US Citizen   No  
49081 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/12/2021 4.027% Self-Employed Self-Employed US Citizen US Citizen No  
49524 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/30/2021 5.544% Employed Employed US Citizen US Citizen No  
49525 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/27/2021 0.00% Retired Retired US Citizen US Citizen No  
49076 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/22/2021 5.425% Self-Employed   Permanent Resident Alien   No  
49529 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $86,757.50 04/16/2021 3.647% Self-Employed   US Citizen   Yes $76,702.74
49534 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/21/2021 4.71% Employed   US Citizen   No  
49078 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $12,420.00 04/20/2021 5.012% Self-Employed   Non Permanent Resident Alien   No  
49530 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
49537 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $13,915.00 04/12/2021 4.504% Self-Employed Unemployed US Citizen US Citizen Yes $99,056.69
49531 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     04/13/2021 0.00% Employed   US Citizen   No  
50720 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $4,870.00 06/08/2021 4.234% Self-Employed   US Citizen   No  
49633 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $19,464.47 05/03/2021 3.48% Self-Employed Self-Employed US Citizen US Citizen No  
49073 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
49634 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     04/15/2021 0.00% Unemployed   US Citizen   No  
49636 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
49535 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 05/07/2021 6.299% Self-Employed   US Citizen   No  
49536 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/16/2021 4.346% Self-Employed Self-Employed US Citizen Non Permanent Resident Alien No  
49532 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 04/29/2021 5.298% Self-Employed   US Citizen   No  
49632 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
49527 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $15,411.40 05/07/2021 4.372% Employed   US Citizen   No  
50722 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $5,465.00 06/14/2021 3.612% Self-Employed   US Citizen   No  
49539 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $0.00 05/11/2021 3.935% Self-Employed   Permanent Resident Alien   No  
54190 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $8,912.50 07/09/2021 4.113% Self-Employed   US Citizen   Yes $4,478.89
50723 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $16,057.50 05/27/2021 5.488% Employed Self-Employed US Citizen US Citizen No  
50724 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $22,069.00 06/15/2021 4.45% Retired   US Citizen   Yes $5,810.53
54191 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $60,043.05 05/27/2021 5.486% Self-Employed   US Citizen   No  
50726 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
50727 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
53387 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
52364 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $0.00 07/22/2021 4.436% Self-Employed   US Citizen   No  
52365 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $0.00 07/31/2021 4.022% Self-Employed   US Citizen   No  
62111 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     05/20/2021 0.00% Self-Employed   US Citizen   No  
62112 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $26,066.00 12/21/2021 3.37% Self-Employed   US Citizen   No  
52366 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,804.00 06/09/2021 4.948% Self-Employed   US Citizen   Yes $8,207.16
50729 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     06/09/2021 0.00% Self-Employed   US Citizen   Yes $7,500.73
50730 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Employed   US Citizen   No  
50731 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $6,570.00 06/14/2021 0.00% Self-Employed   US Citizen   No  
50732 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed Unemployed US Citizen US Citizen No  
56088 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
55406 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $15,132.50 09/08/2021 3.441% Self-Employed   US Citizen   No  
55407 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $7,401.25 08/31/2021 3.321% Self-Employed Unemployed US Citizen US Citizen No  
52367 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $0.00 07/20/2021 3.992% Self-Employed   US Citizen   No  
52368 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   Yes $9,979.20
53388 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $43,809.00 07/20/2021 3.883% Self-Employed   US Citizen   No  
52369 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Retired Retired US Citizen US Citizen No  
52370 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $0.00 07/06/2021 4.769% Self-Employed   US Citizen   No  
54193 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $13,115.00 08/17/2021 3.864% Self-Employed   US Citizen   Yes $10,416.38
57786 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $21,320.00 06/21/2021 4.05% Self-Employed Self-Employed US Citizen US Citizen No  
56089 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
52371 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Other Self-Employed US Citizen US Citizen No  
52372 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   Yes $151,018.54
54194 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed Unemployed US Citizen US Citizen No  
55408 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Employed   US Citizen   Yes $5,536.00
58131 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $12,086.40 11/02/2021 4.778% Self-Employed   US Citizen   No  
52374 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $14,715.00 06/28/2021 5.508% Self-Employed   US Citizen   No  
55409 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   Yes $4,704.22
52375 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $14,583.75 07/07/2021 3.392% Self-Employed   US Citizen   No  
57356 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $29,120.14 09/24/2021 4.631% Self-Employed   US Citizen   No  
55410 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,495.00 08/10/2021 3.809% Self-Employed   US Citizen   Yes $2,925.39
55411 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   Yes $5,265.51
56090 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
56091 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Retired   US Citizen   No  
56092 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
56093 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
52376 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
53390 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Other   Permanent Resident Alien   No  
53391 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Retired   US Citizen   No  
53392 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
55412 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $2,369.25 08/25/2021 3.689% Self-Employed   US Citizen   No  
53393 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $4,620.00 08/04/2021 4.327% Other   US Citizen   Yes -$2,647.40
54197 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $12,120.00 08/03/2021 5.213% Self-Employed   US Citizen   Yes $7,822.89
56094 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $11,210.00 07/29/2021 3.737% Self-Employed   US Citizen   Yes $21,580.92
56095 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
56096 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
55413 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $23,932.50 08/20/2021 4.648% Self-Employed Self-Employed US Citizen US Citizen No  
55414 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $10,620.00 09/01/2021 4.105% Self-Employed   US Citizen   Yes $7,312.03
55415 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $13,965.00 09/03/2021 4.089% Self-Employed   US Citizen   No  
57357 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
55416 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No   08/05/2021 0.00% Employed   US Citizen   No  
56097 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
56098 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
55417 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $18,975.29 08/09/2021 5.505% Self-Employed   US Citizen   No  
57358 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $8,193.69 09/02/2021 3.724% Self-Employed   US Citizen   No  
57359 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $14,120.00 09/17/2021 4.457% Self-Employed Employed US Citizen US Citizen Yes $30,786.20
55418 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $29,919.00 08/31/2021 4.36% Self-Employed Self-Employed US Citizen US Citizen Yes $126,518.86
57361 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed Unemployed US Citizen US Citizen No  
56099 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
56100 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $17,604.38 08/18/2021 3.714% Self-Employed Employed US Citizen US Citizen Yes $20,402.59
55419 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     08/12/2021 0.00% Self-Employed   US Citizen   No  
57362 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $12,882.50 09/28/2021 3.591% Self-Employed   US Citizen   No  
55420 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed Employed US Citizen US Citizen No  
56077 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $6,026.25 09/24/2021 3.814% Self-Employed   US Citizen   No  
56101 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   Permanent Resident Alien   No  
56102 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
55421 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $10,821.25 09/08/2021 3.954% Self-Employed   US Citizen   No  
57363 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
56103 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
56104 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed Unemployed US Citizen US Citizen No  
56078 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
56105 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
54198 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $62,020.00 07/29/2021 4.522% Self-Employed   US Citizen   No  
56079 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $25,995.00 10/08/2021 4.491% Self-Employed   Permanent Resident Alien   Yes $13,231.95
57364 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required Not Required US Citizen US Citizen No  
55422 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,566.30 09/16/2021 4.527% Self-Employed   US Citizen   No  
56106 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Retired   US Citizen   No  
55423 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $3,048.75 08/30/2021 4.735% Self-Employed   US Citizen   No  
56107 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No   09/26/2021 0.00% Self-Employed Unemployed US Citizen US Citizen No  
57787 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $73,995.00 10/28/2021 4.582% Self-Employed   US Citizen   No  
56109 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   Permanent Resident Alien   No  
56080 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $4,057.50 08/30/2021 3.952% Self-Employed   US Citizen   No  
56111 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
57365 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $17,565.00 10/04/2021 3.445% Self-Employed   US Citizen   No  
57366 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed Unemployed US Citizen US Citizen No  
61361 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $6,748.64 11/09/2021 5.916% Employed   US Citizen   No  
57367 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     10/28/2021 0.00% Unemployed Unemployed US Citizen US Citizen No  
57368 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No   09/28/2021 0.00% Unemployed Unemployed US Citizen US Citizen No  
56081 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $22,900.00 09/07/2021 3.786% Self-Employed   US Citizen   Yes $32,007.11
57369 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     08/30/2021 0.00% Self-Employed   US Citizen   No  
58132 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $49,619.99 10/21/2021 4.06% Self-Employed Unemployed US Citizen US Citizen No  
56082 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $25,020.00 09/16/2021 5.911% Self-Employed   US Citizen   No  
57788 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $15,475.00 09/07/2021 3.951% Self-Employed   US Citizen   No  
58133 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $6,432.50 10/22/2021 4.324% Self-Employed   US Citizen   No  
57370 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
56112 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed Self-Employed US Citizen US Citizen Yes $77,478.89
56113 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $6,540.00 09/13/2021 4.331% Self-Employed   US Citizen   No  
56084 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $15,457.50 09/28/2021 4.924% Self-Employed   US Citizen   Yes $13,129.87
56114 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $7,452.00 09/22/2021 4.108% Self-Employed   US Citizen   No  
57789 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $6,182.50 09/28/2021 3.932% Retired   US Citizen   No  
56115 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Employed Employed US Citizen US Citizen No  
57372 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
57373 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   US Citizen   No  
56116 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No   09/27/2021 0.00% Self-Employed Unemployed US Citizen US Citizen Yes $6,025.86
56117 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $4,620.00 09/20/2021 4.446% Self-Employed   US Citizen   No  
57790 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $6,611.12 09/22/2021 3.543% Self-Employed Unemployed US Citizen US Citizen No  
57374 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $19,997.01 09/07/2021 3.67% Self-Employed   US Citizen   No  
57791 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
57375 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $23,570.00 09/30/2021 5.248% Self-Employed   US Citizen   Yes $20,437.17
57376 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $5,206.50 10/19/2021 5.019% Self-Employed   US Citizen   No  
57377 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $7,695.00 10/08/2021 4.549% Retired Self-Employed US Citizen US Citizen No  
57378 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $10,320.00 10/12/2021 5.018% Employed   US Citizen   No  
57379 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $10,935.00 10/19/2021 5.77% Self-Employed   US Citizen   No  
56118 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     10/05/2021 0.00% Not Required   US Citizen   No  
58134 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Employed Unemployed US Citizen Permanent Resident Alien No  
57381 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $16,316.78 09/16/2021 3.263% Self-Employed   US Citizen   No  
57382 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $8,951.25 09/16/2021 5.527% Self-Employed   US Citizen   No  
57383 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $7,380.00 10/20/2021 5.86% Self-Employed   US Citizen   No  
57384 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
58135 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
57792 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $13,620.00 10/21/2021 4.61% Self-Employed Not Required US Citizen US Citizen No  
56085 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $1,620.00 09/23/2021 4.073% Self-Employed   US Citizen   No  
57793 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $12,157.60 09/27/2021 3.727% Self-Employed Unemployed US Citizen US Citizen No  
57385 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $18,495.00 09/24/2021 5.031% Self-Employed   US Citizen   No  
57386 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
57387 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $45,020.00 10/12/2021 3.767% Self-Employed Self-Employed US Citizen US Citizen No  
57388 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Employed Employed US Citizen US Citizen No  
57794 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $5,781.00 11/02/2021 3.118% Self-Employed   US Citizen   Yes $3,615.17
57795 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $6,120.00 10/29/2021 3.817% Self-Employed Employed US Citizen US Citizen No  
57796 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $55,042.50 09/28/2021 3.807% Self-Employed Not Required US Citizen US Citizen No  
57797 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $11,199.38 09/28/2021 4.884% Self-Employed   US Citizen   No  
57389 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $1,620.00 09/27/2021 4.412% Self-Employed   US Citizen   No  
56086 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $7,695.00 10/06/2021 4.992% Employed   US Citizen   No  
57799 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
57800 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $8,310.00 10/26/2021 6.032% Self-Employed   Permanent Resident Alien   No  
58137 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $2,935.00 10/28/2021 3.502% Employed   US Citizen   No  
57801 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No   10/25/2021 0.00% Self-Employed   US Citizen   No  
60282 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $8,955.20 11/05/2021 5.128% Self-Employed   US Citizen   No  
57390 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $16,682.50 10/20/2021 4.964% Employed Self-Employed US Citizen US Citizen No  
58138 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $29,526.00 11/12/2021 3.483% Self-Employed Self-Employed US Citizen US Citizen No  
58139 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
57802 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $31,620.00 10/27/2021 3.749% Self-Employed   US Citizen   No  
57391 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $7,331.39 09/30/2021 3.836% Employed Employed Permanent Resident Alien Permanent Resident Alien No  
58140 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $21,271.25 10/25/2021 3.599% Self-Employed   US Citizen   No  
60283 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $14,055.00 11/04/2021 3.448% Self-Employed   US Citizen   No  
57392 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $13,620.00 10/04/2021 3.685% Unemployed Unemployed US Citizen US Citizen No  
58141 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $9,470.00 11/05/2021 3.996% Self-Employed Self-Employed US Citizen US Citizen No  
58142 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $17,790.00 11/01/2021 3.226% Self-Employed   US Citizen   No  
58143 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $7,675.00 11/10/2021 4.112% Self-Employed   US Citizen   No  
57393 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
58144 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No   10/01/2021 0.00% Not Required   US Citizen   No  
58145 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
58146 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
60284 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $14,398.40 10/29/2021 4.085% Self-Employed   US Citizen   No  
61362 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $11,205.18 10/22/2021 3.403% Self-Employed   US Citizen   Yes $13,645.55
57394 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $4,495.50 10/14/2021 5.072% Self-Employed Self-Employed US Citizen US Citizen No  
57803 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,970.00 10/22/2021 4.125% Self-Employed Employed US Citizen US Citizen No  
58147 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $98,045.00 11/03/2021 3.339% Not Required Not Required US Citizen US Citizen No  
57804 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $4,620.00 10/20/2021 3.264% Self-Employed   US Citizen   No  
58148 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $18,821.40 11/12/2021 4.087% Self-Employed   US Citizen   No  
58149 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No   11/05/2021 0.00% Self-Employed Unemployed US Citizen US Citizen No  
58150 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     10/06/2021 0.00% Employed Not Required US Citizen US Citizen No  
57805 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $26,856.50 10/26/2021 4.755% Self-Employed Self-Employed US Citizen US Citizen No  
58152 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $12,870.00 10/15/2021 3.986% Self-Employed   US Citizen   No  
61363 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   US Citizen   No  
62113 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   Permanent Resident Alien   No  
57806 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $6,805.00 11/04/2021 5.391% Self-Employed   US Citizen   No  
58153 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $8,505.00 10/28/2021 4.686% Self-Employed Unemployed US Citizen US Citizen No  
57807 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $26,965.00 10/21/2021 3.645% Self-Employed   US Citizen   No  
57808 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $6,525.00 10/28/2021 5.993% Self-Employed   US Citizen   No  
58157 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $12,122.00 10/21/2021 4.501% Self-Employed   US Citizen   No  
58158 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $9,172.00 11/02/2021 4.243% Self-Employed Not Required US Citizen US Citizen No  
58159 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $28,020.00 11/01/2021 4.669% Self-Employed   US Citizen   No  
57809 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $5,660.00 11/02/2021 4.672% Not Required   US Citizen   No  
61364 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $14,880.00 10/26/2021 4.001% Self-Employed Not Required US Citizen US Citizen No  
57810 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX     10/12/2021 0.00% Not Required   US Citizen   No  
62770 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $45,382.50 11/05/2021 4.194% Self-Employed   US Citizen   No  
58160 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $14,535.00 10/25/2021 3.076% Self-Employed Not Required US Citizen US Citizen No  
58161 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No   10/25/2021 0.00% Not Required   US Citizen   No  
60287 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,572.00 11/05/2021 4.604% Employed   Non Permanent Resident Alien   No  
62771 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   US Citizen   No  
58162 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   US Citizen   No  
58163 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $78,215.00 11/05/2021 4.432% Self-Employed Not Required US Citizen US Citizen No  
57811 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
62114 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
62115 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
62116 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
57812 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $12,120.00 11/04/2021 4.31% Self-Employed Unemployed US Citizen US Citizen No  
62117 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
57395 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
62118 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
62119 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
57396 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
57397 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
61365 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required Not Required US Citizen US Citizen No  
58164 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,513.75 11/04/2021 3.849% Self-Employed   US Citizen   No  
58165 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $8,674.64 11/03/2021 3.98% Self-Employed   US Citizen   No  
58166 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $14,055.00 10/27/2021 4.362% Self-Employed   US Citizen   No  
57813 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $22,795.00 10/25/2021 3.481% Self-Employed   US Citizen   Yes $25,581.83
58167 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required Not Required US Citizen US Citizen No  
57814 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $21,420.00 10/29/2021 4.869% Self-Employed Unemployed US Citizen US Citizen No  
61366 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Self-Employed Self-Employed US Citizen US Citizen No  
57815 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $15,645.00 10/21/2021 3.643% Self-Employed   US Citizen   No  
60289 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $62,202.00 11/29/2021 4.08% Self-Employed   US Citizen   No  
61367 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $11,552.00 10/21/2021 4.006% Employed Self-Employed US Citizen US Citizen No  
58168 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $52,800.00 10/21/2021 3.805% Self-Employed Self-Employed US Citizen US Citizen No  
60290 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $2,120.00 11/01/2021 3.268% Self-Employed Unemployed US Citizen US Citizen No  
58169 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $16,610.00 11/05/2021 3.37% Self-Employed   Permanent Resident Alien   No  
60291 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $13,870.00 11/12/2021 4.087% Employed Employed Permanent Resident Alien Permanent Resident Alien No  
62772 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required   US Citizen   No  
61368 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed   Permanent Resident Alien   No  
61369 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required Not Required US Citizen US Citizen No  
58170 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $1,890.00 10/27/2021 3.938% Self-Employed   US Citizen   No  
58172 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $3,195.00 10/26/2021 5.958% Self-Employed   US Citizen   No  
61370 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX No $9,300.00 11/05/2021 4.218% Self-Employed Unemployed US Citizen US Citizen No  
60292 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $5,670.00 10/27/2021 3.592% Self-Employed Self-Employed US Citizen US Citizen Yes $63,139.98
58173 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $6,620.00 10/28/2021 5.87% Self-Employed   US Citizen   No  
60293 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $9,537.75 11/05/2021 3.947% Self-Employed Retired US Citizen US Citizen No  
61371 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $11,891.25 11/15/2021 3.874% Self-Employed   Permanent Resident Alien   No  
61372 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   Non Permanent Resident Alien   No  
61373 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Self-Employed Not Required US Citizen US Citizen No  
61374 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX No     0.00% Not Required Not Required US Citizen US Citizen No  
61375 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $5,799.76 11/05/2021 3.37% Self-Employed   US Citizen   No  
61376 XXXXXXXX XXXXXXXX Exempt N/A No XXXXXXXXXX       0.00% Not Required   US Citizen   No  
58174 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $10,462.50 11/05/2021 4.307% Self-Employed   US Citizen   No  
61377 XXXXXXXX XXXXXXXX Non-QM N/A No XXXXXXXXXX   $10,529.06 11/10/2021 4.806% Self-Employed Unemployed US Citizen US Citizen No  

 

 


 

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

 

 

0 | Page

 

 

 

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

 

  

1 | Page

 

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.

 

 

2 | Page

 

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:

a)Rescission (§1026.23):
i)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;
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.
b)TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:
i)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).
c)Tolerances (§§1026.18, 22 and 23):
i)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.
d)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.
e)Higher-priced Mortgage Loan (§1026.35):
i)APR threshold test; and
ii)compliance with the escrow account and appraisal requirements.
f)With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):
i)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;

g)Homeownership counseling (§1026.36):
i)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.
h)Mandatory Arbitration Clauses (§1026.36):
i)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.
i)Prohibition on Financing Credit Insurance (§1026.36):
i)determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.
j)Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):
i)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:

a)Good Faith Estimate (GFE) (§1024.7) as applicable for loans with application dates prior to October 3, 2015:
i)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
v)confirm the presence of a settlement service provider list, as applicable.
b)Final HUD-1/A Settlement Statement (HUD) (§1024.8) as applicable for loans with application dates prior to October 3, 2015:
i)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.
c)GFE and Final HUD Comparison (§1024.7) as applicable for loans with application dates prior to October 3, 2015:
i)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.
d)Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):
i)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;
v)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
x)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):

a)Loan Estimate (LE) (§§1026.19 and 37):
i)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;
v)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);
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.
b)Closing Disclosure (CD) (§§1026.19 and 38):
i)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

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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.)

c)Your Home Loan Toolkit (§1026.19):
i)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:

a)The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));
b)Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));
c)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
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.

 

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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:

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

 

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(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;

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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 # # # #
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 # # # #
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
xx 0XZHVEZV4SK 57751       XXXX (DSCR30) 30 YR FIXED CASH FLOW 1 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $3,969.06 4.875% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable PUD xx xx Investor Yes Yes No 761 Not Applicable Unavailable First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx IAAWNGRDX5Z 57752       XXXX (ALT30) 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,897.85 5.375% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $15,839.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 741 Not Applicable 44.864% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx LETX0QZ5LRI 57754       XXXX (ALT30) 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,977.78 3.875% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $9,540.00 Unavailable Not Applicable 3 Family xx xx Primary Yes Yes No 753 Not Applicable 45.315% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Elevated Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 0OIJ4FH5WYT 56300       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx Florida xx xx xx Florida xx xx No                     Not Applicable       xx Not Applicable $960.96 3.500% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $4,342.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 753 Not Applicable 45.424% First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx OQYLZQNGOZC 60114       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $6,441.05 3.250% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Refinance xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $85,472.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 779 Not Applicable 14.331% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx GUHFSAO0DBI 60115       XXXX (EC30) TPO 30 YR FIXED EXCELERATE 3 YR PPP xx xx Not Applicable Not Applicable xx xx Nevada xx xx xx Nevada xx xx No                     Not Applicable       xx Not Applicable $1,816.92 5.500% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $18,558.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 644 Not Applicable 28.158% First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 1X30:0
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:Verification of Rent
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 1X30:2
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date: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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 44KCFR3WFFD 56329       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,222.61 5.625% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $30,000.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 704 Not Applicable 27.183% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 2LLRMH3HVEV 56310       XXXX (EC30) TPO 40 YR FIXED EXCELERATE I/O xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $3,575.00 $4,428.75 5.500% 480 480 xx xx xx Conventional Fixed 120 Cash Out xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $11,981.90 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 641 Not Applicable 38.139% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 3MWXFOCSYPP 56314       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $5,358.99 3.375% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Refinance xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $36,324.00 Unavailable Not Applicable PUD xx xx Primary Yes Yes No 727 Not Applicable 23.649% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx D5KVPF50DCI 57702       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 3 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $1,769.10 3.750% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 749 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 0UGZU2YJEIY 56302       XXXX (ALT30) TPO 30 YR FIXED PRIME 1 YR PPP xx xx xx xx xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $3,512.02 5.250% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $7,119.00 $6,805.00 Not Applicable 3 Family xx xx Investor Yes Yes No 729 756 45.687% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx N0NCEMENYKB 56319       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,769.01 4.000% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative No Not Applicable Not Applicable Not Applicable $9,021.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 773 Not Applicable 41.098% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx MYG2IYEQM4Y 56320       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW I/O 1 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $867.75 $1,394.96 4.875% 360 360 xx xx xx Conventional Fixed 120 Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Low Rise Condo  (1-4 Stories) xx xx Investor Yes Yes No 681 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 2YXQ4KRO43J 56330       XXXX (EC30) TPO 30 YR FIXED EXCELERATE I/O xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $5,104.17 $7,236.61 6.125% 360 360 xx xx Not Applicable Conventional Fixed 120 Purchase xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $44,188.75 Unavailable Not Applicable High Rise Condo (>=9 Stories) xx xx Primary Yes Yes No 735 Not Applicable 19.272% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable   Field: Borrower DTI Ratio Percent   Loan Value: 19.272%   Tape Value: 24.098% |---| -4.826% |----| -4.82600%   Comment: As per calculation the DTI is 24.09% and the P&I is 7236.61$   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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Verification of Rent
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 2X5CI3ALYOA 56322       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $12,200.11 4.250% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $33,653.58 Unavailable Not Applicable Mid Rise Condo  (5-8 Stories) xx xx Primary Yes Yes No 724 Not Applicable 48.686% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
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:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date: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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx N1SKD0QIA3P 60117       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW PLUS 1 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $6,946.73 3.750% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 768 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx UHWFEGZ1NML 56324       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $5,906.23 5.625% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $22,000.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 714 Not Applicable 41.384% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx WY2I4LNGFWR 56331       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 3 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $1,390.96 4.250% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Refinance xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 711 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 1X30:0
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 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx VYKDP0DDPO1 56332       XXXX (ALT30) TPO 30 YR FIXED PRIME I/O xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $3,858.75 $7,869.20 3.375% 360 360 xx xx Not Applicable Conventional Fixed 120 Refinance xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $29,127.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 798 Not Applicable 20.584% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 3JCDMPAPNZD 56326       XXXX (EC30) TPO 30 YR FIXED EXCELERATE xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,116.83 4.875% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $8,511.00 Unavailable Not Applicable PUD xx xx Primary Yes Yes No 720 Not Applicable 46.443% First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx EMQR02A1R3E 60118       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW I/O 3 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $1,992.19 $2,953.61 5.625% 360 360 xx xx xx Conventional Fixed 120 Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Unavailable Not Applicable 2 Family xx xx Investor Yes Yes No 719 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx XDVDGTKLX3K 56328       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 1 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx Texas xx xx No                     Not Applicable       xx Not Applicable $1,880.95 3.875% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 792 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx IBG5OVYERIK 56333       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $6,901.39 4.750% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $34,690.00 Unavailable Not Applicable PUD xx xx Primary Yes Yes No 756 Not Applicable 25.170% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Elevated Pass Pass Pass Pass Pass No Result Pass Value:
Date:
Type:Desk Review
Value:Not Applicable
Date:Not Applicable
Type: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
Mortgage/Rent Dlq Last 12 Mos:Not Applicable
Max Days Dlq Last 12 Mos:Not Applicable
Verification Type: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
Mortgage/Rent Dlq Last 12 Mos:Not Applicable
Max Days Dlq Last 12 Mos:Not Applicable
Verification 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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx UPL3ARSHRTU 56334       XXXX (ALT30) TPO 40 YR FIXED PRIME I/O xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $3,791.15 $5,723.44 3.625% 480 480 xx xx Not Applicable Conventional Fixed 120 Refinance xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $149,385.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 754 Not Applicable 12.763% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Elevated Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx TPUF2CNF4GU 58048       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $1,975.00 3.875% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $10,127.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes Yes 693 Not Applicable 41.026% First Title Search Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx JEWJ0JA1JHM 56336       XXXX (EC30) TPO 30 YR FIXED EXCELERATE xx xx Not Applicable Not Applicable xx xx California xx xx xx Nevada xx xx No                     Not Applicable       xx Not Applicable $3,942.73 5.250% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $13,424.67 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 665 Not Applicable 38.324% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Elevated Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 0JE1HEVHWAZ 56337       XXXX (DSCR40) TPO 40 YR FIXED CASH FLOW I/O 3 YR PPP xx xx xx xx xx xx California xx xx xx California xx xx No                     Not Applicable       xx $1,845.47 $2,687.40 3.875% 480 480 xx xx Not Applicable Conventional Fixed 120 Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 $0.00 Not Applicable Single Family xx xx Investor Yes Yes No 780 803 Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx YEC3DISKUAK 58050       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW PLUS 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $1,856.80 3.375% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Unavailable Not Applicable 3 Family xx xx Investor Yes Yes No 795 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx A0USZZTQIVF 58051       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $6,336.54 5.250% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $20,800.00 Unavailable Not Applicable Single Family xx xx Primary Yes No No 701 Not Applicable 46.223% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Elevated Pass Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx FSZXDQ0OI3N 57714       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx Arizona xx xx xx Arizona xx xx No                     Not Applicable       xx Not Applicable $3,187.09 3.500% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative No Not Applicable Not Applicable Not Applicable $11,617.00 Unavailable Not Applicable PUD xx xx Primary Yes No No 664 Not Applicable 40.790% First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Elevated Pass Pass 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 1X30:0
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 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx E0OE4CEYXJY 58055       XXXX (EC30) TPO 40 YR FIXED EXCELERATE I/O xx xx xx xx xx xx Arizona xx xx xx Arizona xx xx No                     Not Applicable       xx $2,756.25 $4,243.47 3.500% 480 480 xx xx xx Conventional Fixed 120 Cash Out xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $13,537.95 $2,192.20 Not Applicable PUD xx xx Primary Yes Yes No 788 770 38.362% First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx LLG3VQDTNY0 57717       XXXX (DSCR40) TPO 40 YR FIXED CASH FLOW I/O 5 YR PPP xx xx Not Applicable Not Applicable xx xx Florida xx xx xx Florida xx xx No                     Not Applicable       xx $1,525.00 $2,260.00 3.750% 480 480 xx xx Not Applicable Conventional Fixed 120 Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable PUD xx xx Investor Yes Yes No 780 Not Applicable Unavailable First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx VPVZJ5XPXZY 58058       XXXX (DSCR40) TPO 40 YR FIXED CASH FLOW I/O 3 YR PPP xx xx Not Applicable Not Applicable xx xx Colorado xx xx xx Nebraska xx xx No                     Not Applicable       xx $2,098.08 $2,958.06 4.125% 480 480 xx xx Not Applicable Conventional Fixed 120 Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable PUD xx xx Investor Yes Yes No 796 Not Applicable Unavailable First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx SA4OZFOWYBN 60386       XXXX (EC30) TPO 30 YR FIXED EXCELERATE xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,194.35 6.000% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $7,677.00 Unavailable Not Applicable Low Rise Condo  (1-4 Stories) xx xx Primary Yes Yes No 594 Not Applicable 46.929% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx B4D4VQO3D2O 57732       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx Illinois xx xx xx Illinois xx xx No                     Not Applicable       xx Not Applicable $2,713.71 5.000% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $14,960.00 Unavailable Not Applicable PUD xx xx Primary Yes Yes No 736 Not Applicable 32.203% First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Verification of Rent
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 1STLGWQCBDP 60387       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx xx xx xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $3,544.68 4.375% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $8,826.13 $4,492.19 Not Applicable PUD xx xx Primary Yes Yes No 769 767 39.117% First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx B4XG3XEZOKZ 60388       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $8,239.05 4.125% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $29,663.00 Unavailable Not Applicable PUD xx xx Primary Yes Yes No 705 Not Applicable 48.143% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass No Result Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx IKP34QOLN0G 60389       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW PLUS I/O 3 YR P xx xx xx xx xx xx California xx xx xx Texas xx xx No                     Not Applicable       xx $4,921.88 $10,037.25 3.375% 360 360 xx xx xx Conventional Fixed 120 Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 $0.00 Not Applicable Single Family xx xx Investor Yes No No 750 771 Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx QL31SG0VFIT 60390       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW PLUS 3 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,088.06 3.500% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 722 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx UUGH0PY4SZN 60392       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $1,097.47 3.500% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 721 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx ZG0MO1UTKHN 60394       XXXX (EC30) TPO 40 YR FIXED EXCELERATE I/O xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,540.03 4.500% 480 480 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $8,602.21 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 687 Not Applicable 44.622% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx ROSAQQWTHEE 58097       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $12,081.35 4.750% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $48,468.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 706 Not Applicable 48.579% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Elevated Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx JYP210DIVPO 60397       XXXX (DSCR40) TPO 40 YR FIXED CASH FLOW I/O 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $5,203.13 $7,710.87 3.750% 480 480 xx xx xx Conventional Fixed 120 Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 774 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 1JXRYAJY5H1 60135       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 5 YR PPP xx xx Not Applicable Not Applicable xx xx Hawaii xx xx xx Hawaii xx xx No                     Not Applicable       xx Not Applicable $3,689.55 4.250% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Unavailable Not Applicable Single Family xx xx Investor Yes Yes Yes 796 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx MEWXHPEKAH0 60403       XXXX (ALT30) TPO 30 YR FIXED PRIME 3 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $3,380.10 4.000% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $29,583.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 738 Not Applicable 39.037% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx JAWWS320USN 60411       XXXX (EC30) TPO 30 YR FIXED EXCELERATE xx xx xx xx xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $992.20 3.875% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $4,286.66 Not Applicable Not Applicable 2 Family xx xx Primary Yes Yes No 743 792 36.231% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 5W55BPTJJFR 60412       XXXX (DSCR40) TPO 40 YR FIXED CASH FLOW I/O 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $1,265.00 $1,874.69 3.750% 480 480 xx xx Not Applicable Conventional Fixed 120 Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 798 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx Y5V00L5YN5R 60414       XXXX (EC30) TPO 30 YR FIXED EXCELERATE xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $3,473.83 4.500% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $10,450.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 703 Not Applicable 45.501% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass Pass No Result Pass Value:
Date:
Type:Desk Review
Value:Not Applicable
Date:Not Applicable
Type: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
Mortgage/Rent Dlq Last 12 Mos:Not Applicable
Max Days Dlq Last 12 Mos:Not Applicable
Verification Type: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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 4EQ41BG5IDX 60416       XXXX (DSCR40) TPO 40 YR FIXED CASH FLOW I/O 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $4,037.50 $5,983.45 3.750% 480 480 xx xx Not Applicable Conventional Fixed 120 Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Unavailable Not Applicable 4 Family xx xx Investor Yes Yes No 785 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx PB5N4F4MYRP 60420       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $3,609.26 4.625% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $21,000.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 760 Not Applicable 28.591% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx LXA5XOZJLTL 60422       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $3,433.88 5.875% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $40,805.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 695 Not Applicable 38.084% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx GJLQ1MC2ZM4 60423       XXXX (EC30) TPO 40 YR FIXED EXCELERATE I/O xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $7,838.54 $10,734.63 4.375% 480 480 xx xx xx Conventional Fixed 120 Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $69,210.00 Unavailable Not Applicable PUD xx xx Primary Yes Yes No 688 Not Applicable 26.462% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Elevated Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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 1X30:1
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx RPCX2ZB1JNW 60424       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW PLUS I/O 1 YR P xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $1,353.52 $2,412.06 4.125% 360 360 xx xx Not Applicable Conventional Fixed 120 Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 805 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 5JBUP5SAAW2 60427       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx xx xx xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $317.41 3.875% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $3,078.00 $0.00 Not Applicable Low Rise Condo  (1-4 Stories) xx xx Primary Yes Yes No 764 769 35.661% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 00SLGQSVX4J 60429       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,268.16 4.125% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $12,691.00 Unavailable Not Applicable PUD xx xx Primary Yes Yes Yes 753 Not Applicable 29.692% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx YVUVM221ZI5 60430       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 1 YR PPP xx xx xx xx xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $5,807.43 3.875% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Single Family xx xx Investor Yes Yes No 765 768 Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 5CQN25VY1GK 60431       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx xx xx xx xx Texas xx xx xx Texas xx xx No                     Not Applicable       xx Not Applicable $5,918.81 3.250% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $19,303.27 $11,241.04 Not Applicable PUD xx xx Primary Yes Yes No 789 739 45.313% First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx GV5S0JO0OIA 60434       XXXX (DSCR40) TPO 40 YR FIXED CASH FLOW I/O 2 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $2,358.75 $3,146.53 4.625% 480 480 xx xx Not Applicable Conventional Fixed 120 Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 716 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx HNF1UKBFGOI 60435       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $6,181.57 4.000% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative No Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable 3 Family xx xx Investor Yes Yes No 791 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 3NH1MSBUU4F 60436       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $4,773.77 4.000% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Full Documentation Not Applicable Not Applicable Not Applicable Not Applicable $57,591.68 Unavailable Not Applicable Single Family xx xx Secondary Yes Yes No 759 Not Applicable 20.978% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Not Covered Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx NCTHM4JQQFP 60437       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx xx xx xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,257.14 3.875% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $26,104.00 $26,104.00 Not Applicable Single Family xx xx Primary Yes Yes No 717 745 8.678% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx KW4WFEASK2O 60438       XXXX (ALT30) TPO 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,501.66 3.875% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $15,830.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 724 Not Applicable 34.104% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable     Collections Comments:
Foreclosure Comments:
Bankruptcy Comments:
Not Applicable     1: Acceptable         Minimal Pass Pass Pass Pass 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
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:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx HSSIGUE0BSG 60442       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $2,528.39 4.000% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 763 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx FKAR0C3BA5G 60443       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW PLUS I/O 1 YR P xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $859.38 $1,630.44 3.750% 360 360 xx xx xx Conventional Fixed 120 Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 762 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx 0LLKADPOFQB 60444       XXXX (DSCR30) TPO 30 YR FIXED CASH FLOW 4 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $3,311.28 3.750% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 788 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx UHHE1GRIBUZ 56312       XXXX (ALT30) 30 YR FIXED PRIME xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $5,137.29 4.125% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $22,138.00 Unavailable Not Applicable Single Family xx xx Primary Yes Yes No 790 Not Applicable 43.426% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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 Pass Pass Pass 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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: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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
$313.00 $882.00 Not Applicable Not Applicable
xx 3SIUTLHIGRW 56335       XXXX (ALT30) 30 YR FIXED PRIME 1 YR PPP xx xx xx xx xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $4,664.06 6.250% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $18,807.00 $8,520.00 Not Applicable 2 Family xx xx Investor Yes Yes No 774 734 47.000% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx MZR1T4BH1V4 56338       XXXX (DSCR30) 30 YR FIXED CASH FLOW 3 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $1,287.86 3.500% 360 360 xx xx xx Conventional Fixed Not Applicable Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 795 Not Applicable 0.000% First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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: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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx KB125DGIYAQ 60141       XXXX (DSCR30) 30 YR FIXED CASH FLOW PLUS 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx Not Applicable $998.75 4.000% 360 360 xx xx Not Applicable Conventional Fixed Not Applicable Purchase xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Unavailable Not Applicable Single Family xx xx Investor Yes Yes No 727 Not Applicable Unavailable First Preliminary title policy Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable
xx CII2413MALS 58130       XXXX (DSCR40) 40 YR FIXED CASH FLOW PLUS I/O 5 YR PPP xx xx Not Applicable Not Applicable xx xx California xx xx xx California xx xx No                     Not Applicable       xx $2,712.50 $3,949.99 3.875% 480 480 xx xx xx Conventional Fixed 120 Cash Out xx xx Alternative Not Applicable Not Applicable Not Applicable Not Applicable $0.00 Unavailable Not Applicable 2 Family xx xx Investor Yes Yes No 734 Not Applicable Unavailable First Commitment Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 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
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
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
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
Number:0
Total Amount:Not Applicable
Last Date:Not Applicable
No Not Applicable 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
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? :
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
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Number:Not Applicable
Total Amount:Not Applicable
Last Date:Not Applicable
Not Applicable Not Applicable 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
xx IAAWNGRDX5Z 57752 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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
xx 0OIJ4FH5WYT 56300 xx Florida xx Cash Out Non-QM/Compliant 1 1 Compliance Compliance XXXX Active 3 1 * 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. Resolved:Cure Amount Updated Condition has been Cleard.     QC Complete 10/26/2021     10/25/2021
xx 0OIJ4FH5WYT 56300 xx Florida xx Cash Out Non-QM/Compliant 1 1 Credit Doc Issue XXXX Resolved 3 R * 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. 11/09/2021 - Received initial escrow account disclosure & condition resolved.     QC Complete 10/26/2021 11/09/2021 11/09/2021 10/26/2021
xx 44KCFR3WFFD 56329 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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
xx 2LLRMH3HVEV 56310 xx California xx Cash Out Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 4 2 * 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     10/18/2021
xx 2YXQ4KRO43J 56330 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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     10/19/2021
xx 2YXQ4KRO43J 56330 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Resolved 3 R * 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. 11/02/2021 - Received home loan toolkit & condition resolved.     QC Complete 10/19/2021 11/02/2021 11/02/2021 10/19/2021
xx 2YXQ4KRO43J 56330 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Resolved 3 R * 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. 11/10/2021 - Received initial LE & condition resolved.     QC Complete 10/19/2021 11/10/2021 11/10/2021 10/19/2021
xx 2X5CI3ALYOA 56322 xx California xx Purchase Non-QM/Compliant 1 1 Credit Assets Insufficient XXXX Resolved 3 R * 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. 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 11/02/2021 10/19/2021
xx UHWFEGZ1NML 56324 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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     10/18/2021
xx WY2I4LNGFWR 56331 xx California xx Refinance Not Covered/Exempt 2 2 Valuation Property XXXX Active 2 2 * 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
xx VYKDP0DDPO1 56332 xx California xx Refinance Non-QM/Compliant 1 1 Credit Credit XXXX Resolved 3 R * 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. 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 11/04/2021 10/19/2021
xx 3JCDMPAPNZD 56326 xx California xx Cash Out Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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     10/19/2021
xx TPUF2CNF4GU 58048 xx California xx Cash Out Non-QM/Compliant 3 1 AUS AUS XXXX Resolved 3 R * 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. 12/23/2021 - Received CDA as secondary valuation & condition resolved.     QC Complete 12/01/2021 12/23/2021 12/23/2021 12/01/2021
xx YEC3DISKUAK 58050 xx California xx Cash Out Not Covered/Exempt 3 1 Credit Other Disclosures XXXX Resolved 3 R * 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. 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 12/27/2021 12/01/2021
xx A0USZZTQIVF 58051 xx California xx Purchase Non-QM/Compliant 3 1 Compliance Compliance XXXX Resolved 3 R * 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. 12/22/2021 - Received home loan kit & condition resolved.     QC Complete 11/24/2021 12/22/2021 12/22/2021 11/24/2021
xx FSZXDQ0OI3N 57714 xx Arizona xx Purchase Non-QM/Compliant 3 1 Compliance Compliance XXXX Resolved 3 R * 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 Resolved 2/18/2022 : Received PCCD with cure of $200.00, hence conditions cleared     QC Complete 11/17/2021 02/18/2022 02/18/2022 11/16/2021
xx E0OE4CEYXJY 58055 xx Arizona xx Cash Out Non-QM/Compliant 3 1 Legal Docs Doc Issue XXXX Resolved 3 R * 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. 12/22/2021 - Received valid HOI policy & condition resolved.     QC Complete 12/02/2021 12/22/2021 12/22/2021 12/01/2021
xx LLG3VQDTNY0 57717 xx Florida xx Purchase Not Covered/Exempt 3 1 Credit Credit XXXX Resolved 3 R * 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. 02/18/2022 - Received Purchase contract & condition resolved.     QC Complete 11/16/2021 02/18/2022 02/18/2022 11/17/2021
xx VPVZJ5XPXZY 58058 xx Colorado xx Purchase Not Covered/Exempt 3 1 Credit Doc Issue XXXX Resolved 3 R * 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. 12/22/2021 - Received final 1003 & condition resolved.     QC Complete 11/18/2021 12/22/2021 12/22/2021 11/18/2021
xx VPVZJ5XPXZY 58058 xx Colorado xx Purchase Not Covered/Exempt 3 1 Legal Docs Doc Issue XXXX Resolved 3 R * 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. 12/22/2021 - Received valid HOI policy & condition resolved.     QC Complete 11/18/2021 12/22/2021 12/22/2021 11/18/2021
xx VPVZJ5XPXZY 58058 xx Colorado xx Purchase Not Covered/Exempt 3 1 Legal Docs Doc Issue XXXX Active 1 1 * 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     11/18/2021
xx SA4OZFOWYBN 60386 xx California xx Cash Out Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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     12/08/2021
xx B4D4VQO3D2O 57732 xx Illinois xx Purchase Non-QM/Compliant 3 2 Compliance Compliance XXXX Active 2 2 * 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     11/18/2021
xx B4D4VQO3D2O 57732 xx Illinois xx Purchase Non-QM/Compliant 3 2 Valuation Doc Issue XXXX Resolved 3 R * 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. 12/22/2021 - Received flood cert & condition resolved.     QC Complete 11/18/2021 12/22/2021 12/22/2021 11/17/2021
xx Y5V00L5YN5R 60414 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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     12/20/2021
xx PB5N4F4MYRP 60420 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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     12/20/2021
xx LXA5XOZJLTL 60422 xx California xx Purchase Non-QM/Compliant 2 2 Compliance Compliance XXXX Active 2 2 * 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     12/20/2021
xx UHHE1GRIBUZ 56312 xx California xx Purchase Non-QM/Compliant 1 1 AUS AUS XXXX Resolved 2 R * 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. 11/01/2021 - Received secondary valuation & condition resolved.     QC Complete 10/19/2021 11/01/2021 11/01/2021 10/20/2021
xx UHHE1GRIBUZ 56312 xx California xx Purchase Non-QM/Compliant 1 1 Compliance Compliance XXXX Resolved 1 R * 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. 11/01/2021 - Received updated final 1003 with appraised value as xx & condition resolved.     QC Complete 10/19/2021 11/01/2021 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
xx 0XZHVEZV4SK 57751   xx California Not Covered/Exempt 1 1 1 1 1 No No               PUD xx xx xx 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
xx     Alternative QC Complete 10/19/2021
xx IAAWNGRDX5Z 57752   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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 xx xx xx Primary Purchase 741   xx 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% No Alternative QC Complete 11/11/2021
xx LETX0QZ5LRI 57754   xx California Non-QM/Compliant 1 1 1 1 1 No No           Appraisal has provided 6comps to support theopinion of value Appraised has ticked on xx with Appraised value of xx   3 Family xx xx xx Primary Purchase 753   xx 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% No Full Documentation QC Complete 11/11/2021
xx 0OIJ4FH5WYT 56300   xx Florida Non-QM/Compliant 1 1 1 1 1 No No   *** (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 xx xx xx Primary Cash Out 753 0.75 xx 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
xx 45.424%   Alternative QC Complete 10/26/2021
xx OQYLZQNGOZC 60114   xx California Non-QM/Compliant 1 1 1 1 1 No No           As is date #xx as is value #xx, with 3 comparable of sale    Single Family xx xx xx Primary Refinance 779 2 xx 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
xx GUHFSAO0DBI 60115   xx Nevada Not Covered/Exempt 1 1 1 1 1 No No           Aprsl is AS IS with 6 sale comparable & 3 rent comparable   Single Family xx xx xx Investor Purchase 644 7 xx 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% No Alternative QC Complete 12/08/2021
xx 44KCFR3WFFD 56329   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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 xx xx xx Primary Purchase 704   xx 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
xx 2LLRMH3HVEV 56310   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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 xx xx xx Primary Cash Out 641 3 xx 4 $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
xx 38.139%   Full Documentation QC Complete 10/18/2021
xx 3MWXFOCSYPP 56314   xx California Non-QM/Compliant 1 1 1 1 1 No No           Appraisal has 3 Comprables   PUD xx xx xx Primary Refinance 727 1.25 xx 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
xx D5KVPF50DCI 57702   xx California Not Covered/Exempt 1 1 1 1 1 No No           Appraisal update 1004D dated xx confirms the improvements have been completed and no variance in original appraisal value xx   Single Family xx xx xx Investor Cash Out 749 4       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
xx     Alternative QC Complete 11/16/2021
xx 0UGZU2YJEIY 56302   xx California Not Covered/Exempt 1 1 1 1 1 No No           Appraisal has provided 3 comps to support the opinion of value Appraised has ticked on xx with Appraised value of xx   3 Family xx xx xx Investor Cash Out 729   xx 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
xx 45.687%   Full Documentation QC Complete 10/19/2021
xx N0NCEMENYKB 56319   xx California Non-QM/Compliant 1 1 1 1 1 No No               Single Family xx xx xx Primary Purchase 773   xx 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
xx MYG2IYEQM4Y 56320   xx California Not Covered/Exempt 1 1 1 1 1 No No               Low Rise Condo  (1-4 Stories) xx xx xx 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
xx     Alternative QC Complete 10/18/2021
xx 2YXQ4KRO43J 56330   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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) xx xx xx Primary Purchase 735   xx 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
xx 2X5CI3ALYOA 56322   xx California Non-QM/Compliant 1 1 1 1 1 No No     *** (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) xx xx xx Primary Purchase 724   xx 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
xx N1SKD0QIA3P 60117   xx California Not Covered/Exempt 1 1 1 1 1 No No               Single Family xx xx xx Investor Cash Out 768 38     $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
xx     Alternative QC Complete 12/09/2021
xx UHWFEGZ1NML 56324   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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 xx xx xx Primary Purchase 714   xx 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% No Alternative QC Complete 10/18/2021
xx WY2I4LNGFWR 56331   xx California Not Covered/Exempt 2 2 1 2 1 No No   *** (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 xx xx xx 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
xx VYKDP0DDPO1 56332   xx California Non-QM/Compliant 1 1 1 1 1 No No     *** (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 xx xx xx Primary Refinance 798 21 xx 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
xx 3JCDMPAPNZD 56326   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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 xx xx xx Primary Cash Out 720 8 xx 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
xx 46.443%   Alternative QC Complete 10/19/2021
xx EMQR02A1R3E 60118   xx California Not Covered/Exempt 1 1 1 1 1 No No               2 Family xx xx xx Investor Cash Out 719 19.33   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
xx     Alternative QC Complete 12/09/2021
xx XDVDGTKLX3K 56328   xx California Not Covered/Exempt 1 1 1 1 1 No No           Value Supported by 5 Comps   Single Family xx xx xx 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
    No Alternative QC Complete 10/19/2021
xx IBG5OVYERIK 56333   xx California Non-QM/Compliant 1 1 1 1 1 No No           Value Supported by 4 Comps   PUD xx xx xx Primary Purchase 756   xx 10 $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
xx UPL3ARSHRTU 56334   xx California Non-QM/Compliant 1 1 1 1 1 No No           Appraisal Supports 6 Comp's.   Single Family xx xx xx Primary Refinance 754 1.83 xx 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
xx TPUF2CNF4GU 58048   xx California Non-QM/Compliant 3 1 1 1 1 No No     *** (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 xx xx xx Primary Cash Out 693 22 xx 6 $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
xx 41.026%   Alternative QC Complete 12/01/2021
xx JEWJ0JA1JHM 56336   xx California Non-QM/Compliant 1 1 1 1 1 No No               Single Family xx xx xx Primary Purchase 665   xx 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% No Full Documentation QC Complete 10/19/2021
xx 0JE1HEVHWAZ 56337   xx California Not Covered/Exempt 1 1 1 1 1 No No           Appraisal has 6 comparables   Single Family xx xx xx 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
    No Alternative QC Complete 10/19/2021
xx YEC3DISKUAK 58050   xx California Not Covered/Exempt 3 1 1 1 1 No No     *** (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 xx xx xx Investor Cash Out 795 19   0   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
xx     Alternative QC Complete 12/02/2021
xx A0USZZTQIVF 58051   xx California Non-QM/Compliant 3 1 1 1 1 No No     *** (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 xx xx xx Primary Purchase 701 4 xx 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% No Alternative QC Complete 11/24/2021
xx FSZXDQ0OI3N 57714   xx Arizona Non-QM/Compliant 3 1 1 1 1 No No     *** (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 xx xx xx Primary Purchase 664   xx 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% No Alternative QC Complete 11/17/2021
xx E0OE4CEYXJY 58055   xx Arizona Non-QM/Compliant 3 1 1 1 1 No No     *** (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 xx xx xx 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
xx 38.362%   Full Documentation QC Complete 12/02/2021
xx LLG3VQDTNY0 57717   xx Florida Not Covered/Exempt 3 1 1 1 1 No No     *** (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 xx xx xx 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
    No Alternative QC Complete 11/16/2021
xx VPVZJ5XPXZY 58058   xx Colorado Not Covered/Exempt 3 1 1 1 1 No No   *** (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 xx xx xx Investor Purchase 796 3       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
    No Alternative QC Complete 11/18/2021
xx SA4OZFOWYBN 60386   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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) xx xx xx Primary Cash Out 594 6 xx 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
xx 46.929%   Full Documentation QC Complete 12/08/2021
xx B4D4VQO3D2O 57732   xx Illinois Non-QM/Compliant 3 2 1 1 2 No No   *** (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 xx xx xx Primary Purchase 736 3.91 xx 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
xx 1STLGWQCBDP 60387   xx California Non-QM/Compliant 1 1 1 1 1 No No           Value Supported by 6 Comps   PUD xx xx xx Primary Purchase 767 2 xx 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
xx B4XG3XEZOKZ 60388   xx California Non-QM/Compliant 2 1 1 1 1 No No           Property Verified with 7 comp.   PUD xx xx xx 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
xx 48.143%   Alternative QC Complete 12/09/2021
xx IKP34QOLN0G 60389   xx California Not Covered/Exempt 1 1 1 1 1 No No               Single Family xx xx xx Investor Cash Out 750 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
xx     Alternative QC Complete 12/14/2021
xx QL31SG0VFIT 60390   xx California Not Covered/Exempt 1 1 1 1 1 No No               Single Family xx xx xx Investor Cash Out 718 17       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
xx     Alternative QC Complete 12/13/2021
xx UUGH0PY4SZN 60392   xx California Not Covered/Exempt 1 1 1 1 1 No No           Appraisal with #6 comparable properties   Single Family xx xx xx Investor Cash Out 721 7       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
xx     Alternative QC Complete 12/09/2021
xx ZG0MO1UTKHN 60394   xx California Non-QM/Compliant 3 1 1 1 1 No No           Value supported by 6 comps   Single Family xx xx xx Primary Cash Out 687 2 xx 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
xx 44.622%   Alternative QC Complete 12/13/2021
xx ROSAQQWTHEE 58097   xx California Non-QM/Compliant 1 1 1 1 1 No No           Verified through 6 comps   Single Family xx xx xx Primary Purchase 706 3.33 xx 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% No Alternative QC Complete 12/23/2021
xx JYP210DIVPO 60397   xx California Not Covered/Exempt 1 1 1 1 1 No No           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 xx xx xx Investor Cash Out 774 10       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
xx     Alternative QC Complete 12/09/2021
xx 1JXRYAJY5H1 60135   xx Hawaii Not Covered/Exempt 1 1 1 1 1 No No           Appraisal has #6 comparables   Single Family xx xx xx Investor Cash Out 796 3       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
xx     Alternative QC Complete 12/13/2021
xx MEWXHPEKAH0 60403   xx California Not Covered/Exempt 1 1 1 1 1 No No           Value supported by 3 comparables   Single Family xx xx xx Investor Purchase 738 2 xx 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% No Alternative QC Complete 12/20/2021
xx JAWWS320USN 60411   xx California Non-QM/Compliant 1 1 1 1 1 No No           Appraisal has provided 4 comps    2 Family xx xx xx Primary Cash Out 743 21 xx 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
xx 36.231%   Full Documentation QC Complete 12/13/2021
xx 5W55BPTJJFR 60412   xx California Not Covered/Exempt 1 1 1 1 1 No No           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 xx xx xx Investor Purchase 798 12   0   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
    No Alternative QC Complete 12/13/2021
xx Y5V00L5YN5R 60414   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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 xx xx xx Primary Purchase 703 3.25 xx 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
xx 4EQ41BG5IDX 60416   xx California Not Covered/Exempt 1 1 1 1 1 No No           Aprsl is AS IS with 4 Comps & 3 Rents   4 Family xx xx xx Investor Purchase 785 10       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
    No Alternative QC Complete 12/13/2021
xx PB5N4F4MYRP 60420   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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 xx xx xx Primary Purchase 760 7 xx 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
xx LXA5XOZJLTL 60422   xx California Non-QM/Compliant 2 2 1 1 2 No No   *** (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 xx xx xx Primary Purchase 695 0.75 xx 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
xx GJLQ1MC2ZM4 60423   xx California Non-QM/Compliant 1 1 1 1 1 No No           Appraisal has #3 comp to support opinion value.   PUD xx xx xx Primary Cash Out 688 4 xx 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
xx 26.462%   Alternative QC Complete 12/20/2021
xx RPCX2ZB1JNW 60424   xx California Not Covered/Exempt 1 1 1 1 1 No No           Value Supported by 6 Comps   Single Family xx xx xx 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
xx 5JBUP5SAAW2 60427   xx California Non-QM/Compliant 1 1 1 1 1 No No           Property verified with 6 Comp   Low Rise Condo  (1-4 Stories) xx xx xx Primary Purchase 764 4.08 xx 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
xx 00SLGQSVX4J 60429   xx California Non-QM/Compliant 1 1 1 1 1 No No           Value supported by 4 comps   PUD xx xx xx Primary Purchase 753 2.25 xx 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
xx YVUVM221ZI5 60430   xx California Not Covered/Exempt 1 1 1 1 1 No No               Single Family xx xx xx Investor Purchase 765 10       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
    No Alternative QC Complete 12/13/2021
xx 5CQN25VY1GK 60431   xx Texas Non-QM/Compliant 1 1 1 1 1 No No           Value supported by 8 comps   PUD xx xx xx Primary Purchase 739 7 xx 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% No Full Documentation QC Complete 12/21/2021
xx GV5S0JO0OIA 60434   xx California Not Covered/Exempt 1 1 1 1 1 No No           Value suppoeted by #8 comparables   Single Family xx xx xx 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
    No Alternative QC Complete 12/21/2021
xx HNF1UKBFGOI 60435   xx California Not Covered/Exempt 3 1 1 1 1 No No           Value Supported by 5 Comps   3 Family xx xx xx 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
    No Alternative QC Complete 12/22/2021
xx 3NH1MSBUU4F 60436   xx California Non-QM/Compliant 1 1 1 1 1 No No           Verified through 3 Comparables   Single Family xx xx xx Secondary Purchase 759 10.5 xx 15 $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% No Full Documentation QC Complete 12/13/2021
xx NCTHM4JQQFP 60437   xx California Non-QM/Compliant 1 1 1 1 1 No No           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 xx xx xx Primary Purchase 717 15 xx 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% No Alternative QC Complete 12/20/2021
xx KW4WFEASK2O 60438   xx California Non-QM/Compliant 3 1 1 1 1 No No           Appraisal has provided 6 comps    Single Family xx xx xx Primary Purchase 724 3 xx 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
xx HSSIGUE0BSG 60442   xx California Not Covered/Exempt 1 1 1 1 1 No No           Verified Through 3 Comparbles   Single Family xx xx xx Investor Purchase 763 10     $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
    No Alternative QC Complete 12/21/2021
xx FKAR0C3BA5G 60443   xx California Not Covered/Exempt 1 1 1 1 1 No No           Appraisal has provided 6 comparables to support the opinion of value.   Single Family xx xx xx Investor Cash Out 762 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
xx     Alternative QC Complete 12/22/2021
xx 0LLKADPOFQB 60444   xx California Not Covered/Exempt 1 1 1 1 1 No No               Single Family xx xx xx 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
    No Alternative QC Complete 12/21/2021
xx UHHE1GRIBUZ 56312   xx California Non-QM/Compliant 1 1 1 1 1 No No     *** (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 xx xx xx Primary Purchase 790   xx 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% No Alternative QC Complete 10/19/2021
xx 3SIUTLHIGRW 56335   xx California Not Covered/Exempt 1 1 1 1 1 No No           Verified with 6 comparables   2 Family xx xx xx Investor Cash Out 734   xx 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
xx 47.000%   Alternative QC Complete 10/19/2021
xx MZR1T4BH1V4 56338   xx California Not Covered/Exempt 1 1 1 1 1 No No           comparable with 6 properties   Single Family xx xx xx 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
xx 0.000%   Alternative QC Complete 10/19/2021
xx KB125DGIYAQ 60141   xx California Not Covered/Exempt 1 1 1 1 1 No No           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 xx xx xx 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
    No Alternative QC Complete 12/13/2021
xx CII2413MALS 58130   xx California Not Covered/Exempt 1 1 1 1 1 No No           Appraisal has provided 6comps to support the opinion of value Appraised has ticked on xx with Appraised value xx   2 Family xx xx xx 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
xx     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
xx 00SLGQSVX4J 60429 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 0JE1HEVHWAZ 56337 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 0LLKADPOFQB 60444 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 0OIJ4FH5WYT 56300 xx Florida xx Primary Cash Out A A A A D A A A D A A A D A A A D A A A D A A A D A A A D A A A D A A A D A CA CA RD RA VA VA D A A A D A A A
xx 0UGZU2YJEIY 56302 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 0XZHVEZV4SK 57751 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 1JXRYAJY5H1 60135 xx Hawaii xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 1STLGWQCBDP 60387 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 2LLRMH3HVEV 56310 xx California xx Primary Cash Out B A B A D B D A D B A A D B D A D B A A D B D A D B A A D B D A D B A A D B CD CA RD RB VA VA D B D A D B A A
xx 2X5CI3ALYOA 56322 xx California xx Primary Purchase A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A CD CA RA RA VA VA D A D A A A A A
xx 2YXQ4KRO43J 56330 xx California xx Primary Purchase B A B A D B D A D B A A D B D A D B A A D B D A D B A A D B D A D B A A D B CD CA RD RB VA VA D B D A D B A A
xx 3JCDMPAPNZD 56326 xx California xx Primary Cash Out B A B A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B CA CA RB RB VA VA B B A A B B A A
xx 3MWXFOCSYPP 56314 xx California xx Primary Refinance A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A CD CA RA RA VA VA D A D A A A A A
xx 3NH1MSBUU4F 60436 xx California xx Secondary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 3SIUTLHIGRW 56335 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 44KCFR3WFFD 56329 xx California xx Primary Purchase B A B A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B CA CA RB RB VA VA B B A A B B A A
xx 4EQ41BG5IDX 60416 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 5CQN25VY1GK 60431 xx Texas xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 5JBUP5SAAW2 60427 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx 5W55BPTJJFR 60412 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx A0USZZTQIVF 58051 xx California xx Primary Purchase A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A CD CA RA RA VA VA D A D A A A A A
xx B4D4VQO3D2O 57732 xx Illinois xx Primary Purchase B A B A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B CD CA RB RB VA VA D B D A B B A A
xx B4XG3XEZOKZ 60388 xx California xx Primary Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx CII2413MALS 58130 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx D5KVPF50DCI 57702 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx E0OE4CEYXJY 58055 xx Arizona xx Primary Cash Out A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A CD CA RA RA VA VA D A D A A A A A
xx EMQR02A1R3E 60118 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx FKAR0C3BA5G 60443 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx FSZXDQ0OI3N 57714 xx Arizona xx Primary Purchase A A A A D A A A D A A A D A A A D A A A D A A A D A A A D A A A D A A A D A CA CA RD RA VA VA D A A A D A A A
xx GJLQ1MC2ZM4 60423 xx California xx Primary Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx GUHFSAO0DBI 60115 xx Nevada xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx GV5S0JO0OIA 60434 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx HNF1UKBFGOI 60435 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx HSSIGUE0BSG 60442 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx IAAWNGRDX5Z 57752 xx California xx Primary Purchase B A B A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B CA CA RB RB VA VA B B A A B B A A
xx IBG5OVYERIK 56333 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx IKP34QOLN0G 60389 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx JAWWS320USN 60411 xx California xx Primary Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx JEWJ0JA1JHM 56336 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx JYP210DIVPO 60397 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx KB125DGIYAQ 60141 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx KW4WFEASK2O 60438 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx LETX0QZ5LRI 57754 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx LLG3VQDTNY0 57717 xx Florida xx Investor Purchase A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A CD CA RA RA VA VA D A D A A A A A
xx LXA5XOZJLTL 60422 xx California xx Primary Purchase B A B A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B CA CA RB RB VA VA B B A A B B A A
xx MEWXHPEKAH0 60403 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx MYG2IYEQM4Y 56320 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx MZR1T4BH1V4 56338 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx N0NCEMENYKB 56319 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx N1SKD0QIA3P 60117 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx NCTHM4JQQFP 60437 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx OQYLZQNGOZC 60114 xx California xx Primary Refinance A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx PB5N4F4MYRP 60420 xx California xx Primary Purchase B A B A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B CA CA RB RB VA VA B B A A B B A A
xx QL31SG0VFIT 60390 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx ROSAQQWTHEE 58097 xx California xx Primary Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx RPCX2ZB1JNW 60424 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx SA4OZFOWYBN 60386 xx California xx Primary Cash Out B A B A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B CA CA RB RB VA VA B B A A B B A A
xx TPUF2CNF4GU 58048 xx California xx Primary Cash Out A A A A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A CA CA RA RA VD VA D A A A A A D A
xx UHHE1GRIBUZ 56312 xx California xx Primary Purchase A A A A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A CA CA RA RA VD VA D A A A A A D A
xx UHWFEGZ1NML 56324 xx California xx Primary Purchase B A B A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B CA CA RB RB VA VA B B A A B B A A
xx UPL3ARSHRTU 56334 xx California xx Primary Refinance A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx UUGH0PY4SZN 60392 xx California xx Investor Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx VPVZJ5XPXZY 58058 xx Colorado xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx VYKDP0DDPO1 56332 xx California xx Primary Refinance A A A A D A D A D A A A D A D A D A A A D A D A D A A A D A D A D A A A D A CD CA RD RA VA VA D A D A D A A A
xx WY2I4LNGFWR 56331 xx California xx Investor Refinance B A A B B B A A B A B B B B A A B A B B B B A A B A B B B B A A B A B B B B CA CA RB RA VB VB B B A A B A B B
xx XDVDGTKLX3K 56328 xx California xx Investor Purchase A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A CD CA RA RA VA VA D A D A A A A A
xx Y5V00L5YN5R 60414 xx California xx Primary Purchase B A B A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B CA CA RB RB VA VA B B A A B B A A
xx YEC3DISKUAK 58050 xx California xx Investor Cash Out A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A CD CA RA RA VA VA D A D A A A A A
xx YVUVM221ZI5 60430 xx California xx Investor Purchase A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A
xx ZG0MO1UTKHN 60394 xx California xx Primary Cash Out A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A CA CA RA RA VA VA A A A A A A A A

 

 


 

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
xx 0XZHVEZV4SK 57751   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx IAAWNGRDX5Z 57752   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               Yes 1
xx LETX0QZ5LRI 57754   xx xx xx xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx 0OIJ4FH5WYT 56300   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               Yes 1
xx OQYLZQNGOZC 60114   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx GUHFSAO0DBI 60115   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx 44KCFR3WFFD 56329   xx xx xx xx xx xx 1004 Residential Appraisal             xx xx 0.233% Clear Capital xx                               No Not Applicable
xx 2LLRMH3HVEV 56310   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx 3MWXFOCSYPP 56314   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx D5KVPF50DCI 57702   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx 0UGZU2YJEIY 56302   xx xx Not Applicable xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx N0NCEMENYKB 56319   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx MYG2IYEQM4Y 56320   xx xx Not Applicable xx xx xx 1073 Condominiums             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx 2YXQ4KRO43J 56330   xx xx xx xx xx xx 1073 Condominiums             xx xx 2.000% Clear Capital xx                               No Not Applicable
xx 2X5CI3ALYOA 56322   xx xx xx xx xx xx 1073 Condominiums             xx $0.00 0.000% Clear Capital xx                     xx xx -3.125% xx xx No Not Applicable
xx N1SKD0QIA3P 60117   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx UHWFEGZ1NML 56324   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               Unavailable Unavailable
xx WY2I4LNGFWR 56331   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx VYKDP0DDPO1 56332   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx 3JCDMPAPNZD 56326   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               Not Applicable Not Applicable
xx EMQR02A1R3E 60118   xx xx Not Applicable xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx XDVDGTKLX3K 56328   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx IBG5OVYERIK 56333   xx xx xx xx xx xx 1004 Residential Appraisal             xx xx 0.136% Clear Capital xx                               No Not Applicable
xx UPL3ARSHRTU 56334   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx TPUF2CNF4GU 58048   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx JEWJ0JA1JHM 56336   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx 0JE1HEVHWAZ 56337   xx xx xx xx xx xx 1004 Residential Appraisal             xx xx 4.331% Clear Capital xx                               No Not Applicable
xx YEC3DISKUAK 58050   xx xx Not Applicable xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx A0USZZTQIVF 58051   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx FSZXDQ0OI3N 57714   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx E0OE4CEYXJY 58055   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx LLG3VQDTNY0 57717   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx VPVZJ5XPXZY 58058   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx SA4OZFOWYBN 60386   xx xx Not Applicable xx xx xx 1073 Condominiums             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx B4D4VQO3D2O 57732   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               Yes 1
xx 1STLGWQCBDP 60387   xx xx xx xx xx xx 1004 Residential Appraisal             xx xx 0.148% Clear Capital xx                               No Unavailable
xx B4XG3XEZOKZ 60388   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx IKP34QOLN0G 60389   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx QL31SG0VFIT 60390   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx UUGH0PY4SZN 60392   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx ZG0MO1UTKHN 60394   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx ROSAQQWTHEE 58097   xx xx xx xx xx xx 1004 Residential Appraisal                                           xx $0.00 0.000% xx xx No Unavailable
xx JYP210DIVPO 60397   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx 1JXRYAJY5H1 60135   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx MEWXHPEKAH0 60403   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx JAWWS320USN 60411   xx xx Not Applicable xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               Yes 1
xx 5W55BPTJJFR 60412   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx Y5V00L5YN5R 60414   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx 4EQ41BG5IDX 60416   xx xx xx xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx PB5N4F4MYRP 60420   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx LXA5XOZJLTL 60422   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx GJLQ1MC2ZM4 60423   xx xx Not Applicable xx xx xx 1004 Residential Appraisal                                           xx $0.00 0.000% xx xx No Unavailable
xx RPCX2ZB1JNW 60424   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx 5JBUP5SAAW2 60427   xx xx xx xx xx xx 1073 Condominiums             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx 00SLGQSVX4J 60429   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx YVUVM221ZI5 60430   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx 5CQN25VY1GK 60431   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx GV5S0JO0OIA 60434   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx HNF1UKBFGOI 60435   xx xx xx xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx 3NH1MSBUU4F 60436   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               Yes 4.4
xx NCTHM4JQQFP 60437   xx xx xx xx xx xx 1004 Residential Appraisal             xx xx -2.632% Clear Capital xx                               No Unavailable
xx KW4WFEASK2O 60438   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No 4.6
xx HSSIGUE0BSG 60442   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx FKAR0C3BA5G 60443   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx 0LLKADPOFQB 60444   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx UHHE1GRIBUZ 56312   xx xx xx xx xx xx 1004 Residential Appraisal                                           xx xx 1.132% xx xx No 1.8
xx 3SIUTLHIGRW 56335   xx xx Not Applicable xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               No Not Applicable
xx MZR1T4BH1V4 56338   xx xx Not Applicable xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               Yes 1
xx KB125DGIYAQ 60141   xx xx xx xx xx xx 1004 Residential Appraisal             xx $0.00 0.000% Clear Capital xx                               No Unavailable
xx CII2413MALS 58130   xx xx Not Applicable xx xx xx 1025 2-4 Family Property             xx $0.00 0.000% Clear Capital xx                               No Not Applicable