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  </