GCAT 2022-NQM2 Trust ABS-15G/A
Exhibit 99.11
| Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Application Date | TRID | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | 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 Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | HOA Name | HOA Address State | Fee Amount | 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 | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | 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 | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date |
| 436293747 | Non QM | Yes | No | $11,040.00 | $13,458.75 | 5.980% | No | No | Employed | Permanent Resident Alien | $4,961.78 | 1 | $453.00 | 42.127% | 42.127% | 42.127% | 03/19/2018 | 702 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2018 [Borrower - Primary Income - Wages]; WVOE - 2018 [Borrower - Primary Income - Wages]; WVOE - 2018 |
Other | 0 | 0 | 0 | None | $11,040.00 | 4.480% | $0.00 | None | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.0598 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293931 | N/A | Yes | No | No | No | 0 | Foreign National | 2 | $2,532.84 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293932 | N/A | Yes | No | No | No | 0 | 0 | US Citizen | US Citizen | 2 | $2,169.96 | 0.000% | 0.000% | 0.000% | 06/01/2021 | 707 | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.97 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293935 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $2,364.00 | 0.000% | 0.000% | 0.000% | 06/04/2021 | 756 | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293945 | N/A | Yes | No | No | No | Permanent Resident Alien | 1 | $1,495.92 | 0.000% | 0.000% | 0.000% | 06/07/2021 | 700 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293948 | N/A | Yes | No | No | No | US Citizen | 1 | $2,267.04 | 0.000% | 0.000% | 0.000% | 05/04/2021 | 798 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293949 | N/A | Yes | No | No | No | Foreign National | 2 | $1,595.04 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293952 | N/A | Yes | No | No | No | US Citizen | 1 | $470.04 | 0.000% | 0.000% | 0.000% | 06/06/2021 | 799 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293955 | N/A | Yes | No | No | No | US Citizen | 1 | $2,622.00 | 0.000% | 0.000% | 0.000% | 06/23/2021 | 808 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.09 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293878 | N/A | Yes | No | No | No | US Citizen | 2 | $1,766.04 | 0.000% | 0.000% | 0.000% | 03/24/2021 | 734 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293879 | N/A | Yes | No | No | No | US Citizen | 1 | $1,122.00 | 0.000% | 0.000% | 0.000% | 04/23/2021 | 775 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293880 | N/A | Yes | No | No | No | US Citizen | 1 | $6,732.00 | 0.000% | 0.000% | 0.000% | 05/07/2021 | 722 | No | No | Other | 1 | 0 | 0 | No | $0.00 | N/A | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293884 | N/A | Yes | No | No | No | US Citizen | 1 | $1,199.04 | 0.000% | 0.000% | 0.000% | 04/19/2021 | 794 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293888 | N/A | Yes | No | No | No | Non-Permanent Resident Alien | 1 | $1,278.96 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293892 | N/A | Yes | No | No | No | US Citizen | 2 | $1,853.04 | 0.000% | 0.000% | 0.000% | 04/16/2021 | 707 | No | No | Other | 1 | 0 | 0 | No | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293933 | N/A | Yes | No | $17,580.00 | $10,112.50 | 6.325% | No | No | Not Employed | Self-Employed | 4 | Foreign National | $58,874.00 | 1 | $5,808.00 | 23.566% | 23.566% | 23.566% | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - Primary Income - Sole Proprietor]; CPA Letter - 2021 | Other | 0 | 0 | 0 | None | $17,580.00 | 2.780% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.06325 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293934 | N/A | Yes | No | $15,348.40 | $10,362.50 | 6.348% | No | No | Not Employed | Self-Employed | 2.05 | Foreign National | $61,072.07 | 1 | $3,650.04 | 20.712% | 20.712% | 20.712% | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - Primary Income - Sole Proprietor]; CPA Letter - 2021 | Other | 0 | 0 | 0 | None | $15,348.40 | 2.780% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.06348 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293937 | N/A | Yes | No | $53,775.00 | $25,630.25 | 6.368% | No | No | Not Employed | Self-Employed | Not Employed | 27.37 | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $449,074.02 | 1 | $17,430.00 | 4.643% | 4.643% | 4.643% | Level 3-Stated/Partially Verified | Level 2-Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Sole Proprietor]; P&L Statement - 2021 |
Other | 0 | 0 | 0 | None | $53,775.00 | 2.830% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.06368 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293938 | N/A | Yes | No | $34,448.20 | $28,559.55 | 5.792% | No | No | Employed | Permanent Resident Alien | $8,092.83 | 1 | $314.04 | 40.053% | 40.053% | 40.053% | 05/26/2021 | 804 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $34,448.20 | 3.040% | $0.00 | None | N/A | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05792 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293939 | Exempt from ATR | Yes | No | $4,277.00 | $4,897.63 | 5.824% | No | No | Employed | US Citizen | $3,369.31 | 1 | $1,496.04 | 32.614% | 32.614% | 32.614% | 06/24/2021 | 711 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,277.00 | 2.930% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05824 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293941 | Exempt from ATR | Yes | No | $17,640.00 | $22,052.50 | 6.347% | No | No | Self-Employed | US Citizen | $18,043.09 | 1 | $2,240.04 | 27.420% | 27.420% | 27.420% | 06/16/2021 | 703 | No | No | Third Party Prepared (Unaudited) | [Borrower - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $17,640.00 | 3.140% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | 0.06347 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293942 | Exempt from ATR | Yes | No | $4,870.00 | $6,082.73 | 5.455% | No | No | Employed | Permanent Resident Alien | $3,811.86 | 1 | $0.00 | 43.943% | 43.943% | 43.943% | 05/27/2021 | 722 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,870.00 | 2.220% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05455 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293943 | Exempt from ATR | Yes | No | $6,021.25 | $6,873.84 | 5.714% | No | No | Employed | US Citizen | $5,289.53 | 1 | $987.24 | 30.401% | 30.401% | 30.401% | 06/07/2021 | 776 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,021.25 | 2.300% | $0.00 | None | N/A | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05714 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293944 | N/A | Yes | No | $36,965.00 | $21,351.39 | 5.957% | No | No | Employed | Non-Permanent Resident Alien | $8,754.32 | 1 | $812.04 | 12.457% | 12.457% | 12.457% | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $36,965.00 | 2.830% | $0.00 | None | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05957 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293946 | Exempt from ATR | Yes | No | $21,750.00 | $24,337.15 | 4.249% | No | No | Employed | US Citizen | $8,847.89 | 1 | $2,262.00 | 35.288% | 52.273% | 35.288% | 06/03/2021 | 767 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 [Borrower - Non-Primary Income - Wages]; VVOE - 2021 [Borrower - Non-Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $21,750.00 | 2.740% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 0.04249 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293947 | Exempt from ATR | Yes | No | $7,071.25 | $8,751.88 | 5.673% | No | No | Employed | US Citizen | $5,940.70 | 1 | $1,293.96 | 37.466% | 37.466% | 37.466% | 06/07/2021 | 788 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,071.25 | 2.980% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05673 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293953 | Exempt from ATR | Yes | No | $5,420.00 | $7,537.67 | 4.875% | No | No | Employed | Permanent Resident Alien | $5,281.80 | 1 | $0.00 | 41.313% | 50.249% | 41.313% | 05/11/2021 | 680 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,420.00 | 2.720% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.04875 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293954 | Exempt from ATR | Yes | No | $5,590.00 | $5,893.13 | 5.577% | No | No | Employed | Permanent Resident Alien | $2,810.35 | 1 | $780.96 | 29.741% | 29.741% | 29.741% | 06/12/2021 | 693 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,590.00 | 2.950% | $0.00 | None | N/A | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05577 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293894 | Exempt from ATR | Yes | No | $8,140.00 | $19,528.30 | 4.533% | No | No | Employed | Permanent Resident Alien | $6,841.11 | 1 | $927.96 | 39.190% | 56.651% | 39.190% | 06/19/2021 | 745 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,140.00 | 2.750% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.04533 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293895 | Exempt from ATR | Yes | No | $5,500.00 | $7,048.92 | 4.443% | No | No | Employed | US Citizen | $4,688.73 | 1 | $1,184.04 | 27.963% | 43.053% | 27.963% | 06/23/2021 | 786 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,500.00 | 2.710% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.04443 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293876 | Exempt from ATR | Yes | No | $9,100.00 | $11,608.50 | 5.088% | No | No | Employed | Non-Permanent Resident Alien | $4,933.49 | 1 | $729.96 | 41.959% | 41.959% | 41.959% | 04/24/2021 | 770 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,100.00 | 2.990% | $0.00 | None | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05088 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293877 | Exempt from ATR | Yes | No | $9,572.50 | $12,412.19 | 6.010% | No | No | Employed | Non-Permanent Resident Alien | $4,280.62 | 1 | $1,014.96 | 39.568% | 39.568% | 39.568% | 04/15/2021 | 708 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,572.50 | 3.050% | $0.00 | None | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.0601 | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293881 | N/A | Yes | No | $6,972.31 | $8,641.89 | 6.406% | No | No | Self-Employed | US Citizen | $20,454.47 | 1 | $852.96 | 28.800% | 28.800% | 28.800% | 06/07/2021 | 711 | No | No | Audited | [Borrower - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,972.31 | 2.990% | $0.00 | None | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 16.53 | No | 0.06406 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293882 | N/A | Yes | No | $6,180.63 | $7,929.64 | 5.804% | No | No | Employed | US Citizen | $7,477.55 | 1 | $897.00 | 12.707% | 12.707% | 12.707% | 05/21/2021 | 806 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,180.63 | 3.000% | $0.00 | None | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05804 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293883 | Exempt from ATR | Yes | No | $20,826.25 | $23,830.00 | 5.239% | No | No | Employed | Permanent Resident Alien | $8,628.08 | 2 | $831.00 | 46.904% | 46.904% | 46.904% | 04/13/2021 | 766 | No | No | [Borrower - Primary Income - Wages]; WVOE - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $20,826.25 | 2.990% | $1,000.00 | None | N/A | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05239 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293885 | N/A | Yes | No | $16,315.00 | $9,626.56 | 6.002% | No | No | Employed | US Citizen | $6,806.18 | 1 | $1,051.08 | 13.113% | 13.113% | 13.113% | 05/06/2021 | 724 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 1 | 0 | 0 | 0 | None | $16,315.00 | 2.990% | $0.00 | None | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.06002 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293886 | Exempt from ATR | Yes | No | $12,318.63 | $14,566.83 | 5.510% | No | No | Employed | Permanent Resident Alien | $4,985.00 | 1 | $410.04 | 42.035% | 42.035% | 42.035% | 04/19/2021 | 744 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
Other | 0 | 0 | 0 | None | $12,318.63 | 3.050% | $0.00 | None | N/A | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.0551 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293887 | N/A | Yes | No | $10,693.20 | $7,562.10 | 4.635% | No | No | Employed | Foreign National | $4,663.67 | 1 | $1,155.00 | 22.272% | 33.922% | 22.272% | No | No | [Borrower - Primary Income - Wages]; Other - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,693.20 | 2.730% | $0.00 | None | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.04635 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293889 | Exempt from ATR | Yes | No | $25,480.00 | $28,084.00 | 4.921% | No | No | Employed | Permanent Resident Alien | $15,355.03 | 1 | $2,043.96 | 43.130% | 43.130% | 43.130% | 03/31/2021 | 728 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $25,480.00 | 3.020% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.04921 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293890 | N/A | Yes | No | $18,728.90 | $7,869.12 | 5.634% | No | No | Employed | US Citizen | $4,375.62 | 1 | $2,753.04 | 41.658% | 41.658% | 41.658% | 05/10/2021 | 720 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $18,728.90 | 2.980% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.05634 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293891 | Exempt from ATR | Yes | No | $4,900.00 | $5,355.00 | 6.311% | No | No | Employed | US Citizen | $5,373.93 | 1 | $465.96 | 32.826% | 32.826% | 32.826% | 05/20/2021 | 699 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,900.00 | 2.980% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.06311 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293893 | N/A | Yes | No | $23,020.00 | $15,373.01 | 6.145% | No | No | Employed | US Citizen | $16,149.20 | 1 | $2,136.72 | 30.314% | 30.314% | 30.314% | 05/24/2021 | 705 | No | No | [Borrower - Primary Income - Wages]; VVOE - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $23,020.00 | 2.980% | $0.00 | None | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.06145 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293832 | N/A | Yes | No | $51,142.81 | $18,962.75 | 3.807% | No | No | Self-Employed | US Citizen | $18,533.71 | 1 | $1,294.80 | 37.225% | 37.225% | 37.225% | 07/07/2021 | 715 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $51,142.81 | 3.010% | $0.00 | 3.7 | None | No | No | 3.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03807 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293843 | Non QM | Yes | No | $17,677.50 | $21,254.86 | 4.169% | No | No | Self-Employed | US Citizen | $36,630.86 | 1 | $10,803.00 | 28.783% | 28.783% | 28.783% | 05/23/2021 | 701 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $17,677.50 | 2.930% | $0.00 | 2.6 | None | Yes | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04169 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293844 | Non QM | Yes | No | $10,330.75 | $11,355.09 | 6.146% | No | No | Self-Employed | US Citizen | $3,560.09 | 1 | $1,460.76 | 47.362% | 47.362% | 47.362% | 07/07/2021 | 693 | No | No | [Borrower - Primary Income - Sole Proprietor]; Account Statements - Personal - 2021 [Borrower - Primary Income - Sole Proprietor]; Other - 2021 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2020 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | Income Method of Calculation QM DTI QM Employment History - Current Employment Documentation lacks Date Info QM Points and Fees 2021 Sole Proprietorship Income Documentation Test |
$10,330.75 | 2.820% | $0.00 | 1.0 | None | Yes | No | 5.700% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.06146 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016606 | Non QM | Yes | No | $10,375.00 | $12,677.32 | 4.592% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,190.08 | 1 | $1,367.04 | 38.332% | 38.332% | 38.332% | 05/20/2021 | 726 | No | Yes | 25 | Personal | 45.000% | 100.000% | [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$10,375.00 | 2.850% | $0.00 | 1.0 | None | Yes | No | 4.425% | 0 | 0 | 0 | 0 | 3 | 0 | 25 | 0.00 | No | 0.04592 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293846 | Non QM | Yes | No | $100.00 | $3,691.02 | 5.385% | No | No | Self-Employed | US Citizen | $16,558.47 | 1 | $3,528.96 | 47.214% | 47.214% | 47.214% | 07/06/2021 | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2013 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$100.00 | 2.850% | $0.00 | 2.6 | None | N/A | No | 5.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05385 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293847 | Non QM | Yes | No | $34,495.00 | $38,266.30 | 3.445% | No | No | Self-Employed | US Citizen | $103,784.86 | 1 | $4,539.96 | 14.346% | 14.346% | 14.346% | 08/03/2021 | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $34,495.00 | 2.950% | $0.00 | 4.4 | None | N/A | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03445 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016608 | Non QM | Yes | No | $12,723.00 | $14,701.40 | 3.420% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $13,130.30 | 1 | $3,000.12 | 36.320% | 36.320% | 36.320% | 06/17/2021 | 772 | Yes | No | [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying Rental Income Documentation - 25% Method |
$12,723.00 | 2.930% | $0.00 | 1.0 | None | N/A | No | 3.275% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.0342 | 180 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293848 | Non QM | Yes | No | $3,999.25 | $4,723.60 | 7.904% | No | No | Self-Employed | US Citizen | $2,370.19 | 1 | $875.04 | 43.847% | 43.847% | 43.847% | 07/06/2021 | 667 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$3,999.25 | 2.820% | $0.00 | 1.0 | None | Yes | No | 7.675% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.07904 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293849 | Non QM | Yes | No | $11,496.25 | $13,566.85 | 4.643% | No | No | Self-Employed | US Citizen | $4,838.97 | 1 | $405.00 | 45.007% | 45.007% | 45.007% | 08/10/2021 | 794 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$11,496.25 | 2.980% | $0.00 | 1.4 | None | Yes | No | 4.350% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04643 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293850 | Non QM | Yes | No | $4,591.00 | $7,564.30 | 6.790% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,407.69 | 1 | $1,203.00 | 45.201% | 45.201% | 45.201% | 07/07/2021 | 697 | No | Yes | 24 | Business | 100.000% | 51.000% | 49.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Shared Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 5 | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI |
$4,591.00 | 2.820% | $0.00 | 2.7 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.0679 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293851 | Non QM | Yes | No | $9,463.75 | $11,676.00 | 4.931% | No | No | Employed | Non-Permanent Resident Alien | $6,536.28 | 1 | $1,617.00 | 49.626% | 49.626% | 49.626% | 08/12/2021 | 706 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 [Borrower - Primary Income - Wages]; Paystubs - 2020 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM DTI QM Points and Fees 2021 |
$9,463.75 | 2.950% | $0.00 | 1.0 | None | N/A | No | 4.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04931 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016609 | Non QM | Yes | No | $6,651.25 | $7,545.55 | 6.109% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $1,623.30 | 1 | $1,571.04 | 45.591% | 45.591% | 45.591% | 07/28/2021 | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$6,651.25 | 2.950% | $0.00 | 2.5 | None | No | No | 5.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06109 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293853 | Non QM | Yes | No | $13,495.00 | $2,311.29 | 3.728% | No | No | Self-Employed | US Citizen | $9,873.56 | 1 | $906.00 | 23.163% | 23.163% | 23.163% | 06/15/2021 | 806 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $13,495.00 | 2.820% | $0.00 | 1.0 | None | N/A | No | 3.700% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03728 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293854 | Non QM | Yes | No | $10,270.00 | $11,203.08 | 6.664% | No | No | Self-Employed | US Citizen | $5,489.72 | 1 | $1,529.04 | 42.624% | 42.624% | 42.624% | 06/15/2021 | 676 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2017 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$10,270.00 | 2.850% | $0.00 | 1.1 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.06664 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016611 | Non QM | Yes | No | $8,694.50 | $10,110.10 | 3.917% | No | No | Self-Employed | US Citizen | $4,561.47 | 1 | $1,284.96 | 32.699% | 32.699% | 32.699% | 07/27/2021 | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$8,694.50 | 2.830% | $0.00 | 2.0 | None | No | No | 3.475% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03917 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293858 | Non QM | Yes | No | $10,675.00 | $4,967.58 | 7.046% | No | No | Self-Employed | US Citizen | $3,924.23 | 1 | $1,263.84 | 41.016% | 41.016% | 41.016% | 06/01/2021 | 679 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$10,675.00 | 2.820% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.07046 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293859 | Non QM | Yes | No | $9,903.25 | $2,833.28 | 6.610% | No | No | Self-Employed | US Citizen | $20,589.22 | 1 | $1,589.04 | 16.514% | 16.514% | 16.514% | 07/07/2021 | 663 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,903.25 | 2.820% | $542.00 | None | N/A | No | 6.550% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0661 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016612 | Non QM | Yes | No | $9,790.50 | $10,437.50 | 4.115% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,159.56 | 1 | $1,998.96 | 42.798% | 42.798% | 42.798% | 08/03/2021 | 719 | No | Yes | 12 | Business | 29.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2003 [Borrower - Non-Primary Income - Social Security]; Account Statements - 2021 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Borrower - Non-Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - Primary Income - Social Security]; Account Statements - 2021 [Coborrower(s) - Primary Income - Social Security]; Award Letter / Continuance Letter - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$9,790.50 | 2.830% | $0.00 | 1.0 | None | Yes | No | 3.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04115 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293861 | Non QM | Yes | No | $18,495.00 | $20,485.98 | 4.270% | No | No | Employed | US Citizen | $12,027.65 | 1 | $2,868.00 | 44.117% | 44.117% | 44.117% | 06/29/2021 | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$18,495.00 | 2.930% | $0.00 | 1.0 | None | Yes | No | 4.075% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0427 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293862 | N/A | Yes | No | $34,198.57 | $27,707.86 | 4.370% | No | No | Self-Employed | US Citizen | $16,427.77 | 1 | $1,138.80 | 46.089% | 46.089% | 46.089% | 07/07/2021 | 715 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $34,198.57 | 2.980% | $0.00 | 1.4 | None | N/A | No | 3.900% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0437 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016614 | Non QM | Yes | No | $6,545.00 | $2,755.62 | 3.363% | No | No | Self-Employed | US Citizen | $5,826.70 | 1 | $4,200.96 | 46.612% | 46.612% | 46.612% | 08/16/2021 | 807 | No | Yes | 24 | Business | 90.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Bank Statements]; Other - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI |
$6,545.00 | 2.930% | $0.00 | 1.0 | None | Yes | No | 3.325% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03363 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293864 | Non QM | Yes | No | $27,430.00 | $29,427.59 | 3.837% | No | No | Self-Employed | US Citizen | $30,960.19 | 2 | $1,320.48 | 16.219% | 16.219% | 16.219% | 08/12/2021 | 777 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$27,430.00 | 2.920% | $95,365.00 | None | No | No | 3.575% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03837 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293865 | Non QM | Yes | No | $10,175.00 | $11,110.16 | 5.244% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,744.86 | 1 | $788.04 | 42.645% | 29.955% | 42.645% | 07/08/2021 | 684 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Other - 2020 [Coborrower(s) - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Deferment of Principal |
$10,175.00 | 2.850% | $0.00 | 1.0 | None | N/A | No | 5.050% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05244 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293868 | Non QM | Yes | No | $14,601.25 | $19,572.91 | 6.621% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,753.17 | 1 | $690.00 | 39.610% | 39.610% | 39.610% | 682 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $14,601.25 | 2.820% | $24,845.83 | None | N/A | No | 6.450% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06621 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293821 | N/A | Yes | No | $14,824.40 | $7,476.00 | 4.298% | No | No | Employed | US Citizen | $5,107.17 | 2 | $1,780.20 | 20.414% | 20.414% | 20.414% | 07/06/2021 | 756 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | None | $14,824.40 | 2.850% | $0.00 | None | No | No | 4.125% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | 0.04298 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293855 | N/A | Yes | No | $6,032.48 | $2,040.68 | 4.220% | No | No | Self-Employed | US Citizen | $3,283.57 | 1 | $570.96 | 31.209% | 31.209% | 31.209% | 05/24/2021 | 773 | No | No | Borrower Prepared | [Borrower - Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - Primary Income - Sole Proprietor]; 1040-ES - 2020 |
[Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - No Results Returned - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | None | $6,032.48 | 3.010% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 4.125% | 0 | 1 | 0 | 3 | 1 | 17.97 | No | 0.0422 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293856 | N/A | Yes | No | $20,626.80 | $12,199.48 | 3.857% | No | No | Employed | US Citizen | $9,713.22 | 2 | $2,016.48 | 23.711% | 23.711% | 23.711% | 06/02/2021 | 747 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $20,626.80 | 2.850% | $0.00 | DU | ApproveIneligible | No | No | 3.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | 0.03857 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293857 | N/A | Yes | No | $20,816.00 | $12,413.48 | 3.859% | No | No | Employed | US Citizen | $6,946.59 | 2 | $2,016.48 | 40.627% | 40.627% | 40.627% | 06/02/2021 | 747 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $20,816.00 | 2.850% | $0.00 | DU | ApproveIneligible | No | No | 3.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | 0.03859 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293874 | N/A | Yes | No | $11,300.00 | $12,166.08 | 4.089% | No | No | Employed | US Citizen | $2,941.76 | 2 | $1,650.48 | 38.939% | 38.939% | 38.939% | 07/08/2021 | 757 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 [Borrower - Primary Income - Wages]; W-2 - 2018 [Borrower - Non-Primary Income - Partnership (>= 25%)]; Business License - 2022 [Borrower - Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021 [Borrower - Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021 [Borrower - Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019 [Borrower - Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 [Borrower - Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018 [Borrower - Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018 |
[Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1040 - 2018 [Borrower]; 4506-C - 2018 |
2 Years Tax Returns | 0 | 0 | 0 | None | $11,300.00 | 2.820% | $0.00 | DU | ApproveIneligible | No | No | 3.875% | 3 | 2 | 0 | 3 | 0 | 0.00 | No | 0.04089 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293875 | N/A | Yes | No | $895.00 | $1,813.85 | 4.192% | No | No | Not Employed | Employed | US Citizen | US Citizen | $3,548.32 | 1 | $1,260.00 | 37.497% | 37.497% | 37.497% | 08/06/2021 | 787 | No | No | [Coborrower(s) - Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; VVOE - 2021 [Coborrower(s) - Primary Income - Wages]; WVOE - 2021 [Coborrower(s) - Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 1040 - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2020 [Coborrower]; 1040 - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 4506-C - 2019 |
1 Year Tax Returns | 0 | 0 | 0 | None | $895.00 | 3.070% | $0.00 | 1.1 | DU | ApproveIneligible | No | No | 4.125% | 0 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | 0.04192 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293808 | Non QM | Yes | No | $13,172.29 | $4,416.71 | 5.480% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $8,314.17 | 1 | $1,070.04 | 30.715% | 30.715% | 30.715% | 07/09/2021 | 748 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$13,172.29 | 2.950% | $14,750.00 | None | N/A | No | 5.425% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0548 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293809 | Non QM | Yes | No | $18,235.00 | $26,028.32 | 5.478% | No | No | Self-Employed | US Citizen | $24,437.32 | 1 | $5,514.84 | 36.423% | 36.423% | 36.423% | 05/12/2021 | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $18,235.00 | 2.830% | $0.00 | 2.6 | None | Yes | No | 5.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05478 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293810 | N/A | Yes | No | $89,526.00 | $69,286.16 | 3.358% | No | No | Not Employed | Self-Employed | US Citizen | $73,158.87 | 4 | $7,756.20 | 24.602% | 24.602% | 24.602% | 05/20/2021 | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $89,526.00 | 2.980% | $0.00 | None | No | No | 3.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03358 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293812 | N/A | Yes | No | $21,522.70 | $16,797.29 | 3.900% | No | No | Self-Employed | US Citizen | $71,097.49 | 1 | $477.00 | 14.216% | 14.216% | 14.216% | 05/04/2021 | 715 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $21,522.70 | 2.930% | $0.00 | 1.0 | None | Yes | No | 3.675% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.039 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016603 | Non QM | Yes | No | $10,677.25 | $12,983.62 | 3.844% | No | No | Not Employed | US Citizen | $17,609.70 | 1 | $3,123.96 | 47.900% | 47.900% | 47.900% | 07/21/2021 | 714 | Yes | No | [Borrower - Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2019 [Borrower - Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2019 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$10,677.25 | 2.930% | $100,000.00 | 1.1 | None | Yes | No | 3.675% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.03844 | Other | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293813 | N/A | Yes | No | $12,068.00 | $7,728.56 | 4.451% | No | No | Self-Employed | US Citizen | $118,015.54 | 1 | $1,118.04 | 12.130% | 12.130% | 12.130% | 06/09/2021 | 702 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 1 | 0 | 0 | 0 | None | $12,068.00 | 3.030% | $0.00 | 2.6 | None | Yes | No | 4.175% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04451 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293814 | Non QM | Yes | No | $21,745.00 | $9,009.45 | 5.435% | No | No | Self-Employed | US Citizen | $57,912.12 | 1 | $6,308.04 | 15.144% | 15.144% | 15.144% | 06/09/2021 | 743 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-T - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-T - 2019 [Borrower]; 4506-T - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$21,745.00 | 2.930% | $0.00 | 5.0 | None | No | No | 5.325% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.05435 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293815 | Non QM | Yes | No | $17,332.98 | $6,287.38 | 6.218% | No | No | Self-Employed | US Citizen | $27,549.55 | 1 | $5,211.96 | 37.032% | 37.032% | 37.032% | 07/15/2021 | 680 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $17,332.98 | 2.950% | $0.00 | 3.9 | None | No | No | 6.200% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06218 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293816 | Non QM | Yes | No | $10,849.76 | $13,422.16 | 6.669% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,552.32 | 1 | $864.00 | 25.358% | 25.358% | 25.358% | 06/30/2021 | 668 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $10,849.76 | 2.950% | $45,000.00 | 1.0 | None | Yes | No | 6.425% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06669 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293818 | N/A | Yes | No | $20,302.75 | $13,664.53 | 3.527% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,253.33 | 1 | $851.16 | 44.338% | 44.338% | 44.338% | 06/16/2021 | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Expense Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $20,302.75 | 2.950% | $0.00 | 1.0 | None | N/A | No | 3.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | 0.03527 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293822 | Non QM | Yes | No | $23,092.98 | $10,290.55 | 6.173% | No | No | Self-Employed | US Citizen | $11,047.03 | 1 | $1,440.00 | 48.411% | 37.658% | 48.411% | 07/02/2021 | 809 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$23,092.98 | 2.830% | $5,000.00 | 1.0 | None | Yes | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06173 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293823 | Non QM | Yes | No | $6,947.50 | $2,581.81 | 3.663% | No | No | Self-Employed | US Citizen | $17,142.96 | 1 | $1,398.00 | 28.889% | 28.889% | 28.889% | 07/22/2021 | 786 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$6,947.50 | 2.930% | $0.00 | 2.1 | None | Yes | No | 3.575% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03663 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293826 | N/A | Yes | No | $25,444.97 | $6,901.34 | 4.884% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $17,225.71 | 4 | $1,218.12 | 35.293% | 35.293% | 35.293% | 07/06/2021 | 773 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2014 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2014 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $25,444.97 | 2.930% | $650.00 | None | N/A | No | 4.825% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04884 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293827 | Non QM | Yes | No | $14,095.00 | $21,058.41 | 4.441% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $13,050.40 | 1 | $1,707.12 | 48.283% | 48.283% | 48.283% | 05/25/2021 | 734 | No | Yes | 13 | Business | 100.000% | 50.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI |
$14,095.00 | 2.830% | $7,000.00 | None | N/A | No | 4.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04441 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293828 | N/A | Yes | No | $16,953.00 | $12,321.88 | 3.928% | No | No | Self-Employed | US Citizen | $35,810.17 | 1 | $6,267.00 | 30.379% | 30.379% | 30.379% | 05/23/2021 | 701 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $16,953.00 | 2.950% | $0.00 | 1.0 | None | Yes | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03928 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293830 | Non QM | Yes | No | $6,712.19 | $2,869.18 | 5.264% | No | No | Self-Employed | US Citizen | $6,400.01 | 1 | $1,885.32 | 27.915% | 27.915% | 27.915% | 06/11/2021 | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2016 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2016 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $6,712.19 | 2.830% | $2,995.00 | 1.0 | None | N/A | No | 5.200% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05264 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016604 | Non QM | Yes | No | $6,405.00 | $8,762.58 | 6.103% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,603.84 | 1 | $785.04 | 24.128% | 24.128% | 24.128% | 07/26/2021 | 729 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $6,405.00 | 2.830% | $0.00 | 2.2 | None | Yes | No | 5.950% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06103 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293834 | Non QM | Yes | No | $17,365.00 | $18,516.85 | 4.499% | No | No | Not Employed | US Citizen | $7,768.29 | 1 | $2,482.56 | 35.838% | 35.838% | 35.838% | 04/28/2021 | 811 | Yes | No | [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-T - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-T - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-T - 2018 [Borrower]; 4506-T - 2017 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $17,365.00 | 2.950% | $0.00 | 1.7 | None | Yes | No | 4.250% | 0 | 0 | 0 | 4 | 0 | 0.00 | No | 0.04499 | Other | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293819 | N/A | Yes | No | $9,113.20 | $19,041.95 | 3.947% | No | No | Employed | US Citizen | $11,611.44 | 2 | $3,300.00 | 40.258% | 40.258% | 40.258% | 05/06/2021 | 776 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | None | $9,113.20 | 3.040% | $15,000.00 | DU | ApproveIneligible | N/A | No | 3.625% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | 0.03947 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293820 | N/A | Yes | No | $6,265.62 | $7,981.31 | 4.519% | No | No | Employed | US Citizen | $4,884.87 | 3 | $2,379.72 | 32.914% | 32.914% | 32.914% | 08/02/2021 | 757 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 |
[Borrower]; Transcripts (1040) - No Results Returned - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | None | $6,265.62 | 2.850% | $0.00 | DU | ApproveIneligible | No | No | 4.250% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | 0.04519 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293807 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $807.00 | 0.000% | 0.000% | 0.000% | 06/16/2021 | 754 | 765 | 728 | 754 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.0 | No | No | 5.825% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293811 | N/A | Yes | No | No | No | US Citizen | 4 | $2,949.00 | 0.000% | 0.000% | 0.000% | 07/27/2021 | 771 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.425% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 4.12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293817 | N/A | Yes | No | No | No | 0 | US Citizen | US Citizen | 1 | $726.00 | 0.000% | 0.000% | 0.000% | 06/14/2021 | 730 | 758 | 773 | 772 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293824 | N/A | Yes | No | No | No | US Citizen | US Citizen | 1 | $2,336.04 | 0.000% | 0.000% | 0.000% | 06/19/2021 | 739 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.7 | Yes | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293825 | N/A | Yes | No | No | No | US Citizen | 1 | $1,125.96 | 0.000% | 0.000% | 0.000% | 07/19/2021 | 701 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 5.050% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293831 | N/A | Yes | No | No | No | 0 | US Citizen | 2 | $1,362.00 | 0.000% | 0.000% | 0.000% | 07/07/2021 | 686 | Level 2-Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.450% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016605 | N/A | Yes | No | No | No | US Citizen | 1 | $1,700.04 | 0.000% | 0.000% | 0.000% | 07/20/2021 | 734 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.0 | N/A | No | 5.725% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293833 | N/A | Yes | No | No | No | 0 | US Citizen | US Citizen | 1 | $3,533.64 | 0.000% | 0.000% | 0.000% | 07/21/2021 | 703 | 745 | 735 | 779 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.4 | Yes | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293845 | N/A | Yes | No | No | No | US Citizen | 1 | $4,958.64 | 0.000% | 0.000% | 0.000% | 08/09/2021 | 778 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.9 | N/A | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016607 | N/A | Yes | No | No | No | US Citizen | 2 | $2,284.80 | 0.000% | 0.000% | 0.000% | 06/17/2021 | 758 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.275% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293852 | N/A | Yes | No | No | No | US Citizen | US Citizen | 4 | $2,724.00 | 0.000% | 0.000% | 0.000% | 07/27/2021 | 763 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.825% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293776 | N/A | Yes | No | No | No | US Citizen | 2 | $1,863.00 | 0.000% | 0.000% | 0.000% | 06/28/2021 | 748 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.775% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293860 | N/A | Yes | No | No | No | US Citizen | 4 | $2,913.96 | 0.000% | 0.000% | 0.000% | 06/17/2021 | 758 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.275% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016613 | N/A | Yes | No | No | No | 0 | US Citizen | 2 | $2,549.28 | 0.000% | 0.000% | 0.000% | 06/09/2021 | 763 | 763 | 773 | 753 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.650% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293863 | N/A | Yes | No | No | No | 0 | 0 | US Citizen | US Citizen | 2 | $656.16 | 0.000% | 0.000% | 0.000% | 06/21/2021 | 790 | 790 | 763 | 806 | 800 | 789 | 810 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293866 | N/A | Yes | No | No | No | US Citizen | 2 | $4,508.76 | 0.000% | 0.000% | 0.000% | 07/26/2021 | 801 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.825% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293870 | N/A | Yes | No | No | No | US Citizen | 1 | $2,922.00 | 0.000% | 0.000% | 0.000% | 06/20/2021 | 761 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.9 | N/A | No | 3.587% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016619 | Non QM | Yes | No | $16,495.00 | $6,879.72 | 4.152% | No | No | Self-Employed | US Citizen | $10,848.79 | 1 | $879.96 | 45.161% | 45.161% | 45.161% | 08/11/2021 | 779 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$16,495.00 | 2.920% | $0.00 | 1.0 | None | Yes | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04152 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293957 | Non QM | Yes | No | $13,928.20 | $24,067.89 | 3.617% | No | No | Self-Employed | US Citizen | $290,281.82 | 1 | $4,217.04 | 4.202% | 4.202% | 4.202% | 07/13/2021 | 748 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $13,928.20 | 2.920% | $0.00 | 1.0 | None | Yes | No | 3.550% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03617 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293958 | Non QM | Yes | No | $10,999.00 | $15,245.00 | 4.944% | No | No | Not Employed | US Citizen | $17,199.39 | 1 | $2,001.36 | 20.217% | 20.217% | 20.217% | 07/16/2021 | 791 | Yes | No | [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 | [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $10,999.00 | 2.910% | $8,900.00 | 2.5 | None | Yes | No | 4.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04944 | Other | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293959 | Non QM | Yes | No | $10,400.00 | $11,768.30 | 3.609% | No | No | Self-Employed | US Citizen | $21,490.45 | 1 | $1,776.96 | 30.840% | 30.840% | 30.840% | 08/04/2021 | 733 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2001 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$10,400.00 | 2.850% | $0.00 | None | No | No | 3.325% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03609 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293961 | Non QM | Yes | No | $7,500.00 | $1,606.90 | 5.510% | No | No | Self-Employed | US Citizen | $34,011.62 | 1 | $5,562.00 | 18.428% | 18.428% | 18.428% | 07/01/2021 | 665 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $7,500.00 | 2.920% | $0.00 | 1.0 | None | Yes | No | 5.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0551 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293962 | Non QM | Yes | No | $16,120.00 | $3,378.82 | 4.041% | No | No | Not Employed | Not Employed | US Citizen | $21,543.17 | 1 | $4,994.04 | 28.939% | 24.681% | 32.752% | 07/27/2021 | 803 | Yes | No | [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Required Credit Report Not Provided to Evidence Debts |
$16,120.00 | 2.820% | $0.00 | 1.0 | None | No | No | 4.025% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04041 | Other | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016620 | Non QM | Yes | No | $11,824.93 | $14,230.71 | 3.658% | No | No | Self-Employed | US Citizen | $3,725.71 | 1 | $608.04 | 47.709% | 47.709% | 47.709% | 08/04/2021 | 807 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$11,824.93 | 2.910% | $0.00 | 1.0 | None | Yes | No | 3.450% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03658 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293963 | Non QM | Yes | No | $11,206.00 | $13,172.02 | 6.137% | No | No | Self-Employed | Non-Permanent Resident Alien | $41,289.60 | 1 | $2,754.96 | 10.315% | 10.315% | 10.315% | 08/05/2021 | 686 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$11,206.00 | 2.920% | $2,000.00 | 2.6 | None | No | No | 5.825% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.06137 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293968 | Non QM | Yes | No | $9,520.00 | $2,999.75 | 4.112% | No | No | Self-Employed | US Citizen | $12,308.52 | 1 | $0.00 | 26.254% | 26.254% | 26.254% | 09/10/2021 | 774 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,520.00 | 2.920% | $0.00 | 2.0 | None | Yes | No | 4.075% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04112 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016621 | Non QM | Yes | No | $12,507.76 | $6,606.49 | 6.515% | No | No | Self-Employed | US Citizen | $7,494.45 | 1 | $1,267.80 | 45.367% | 45.367% | 45.367% | 07/09/2021 | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$12,507.76 | 2.920% | $9,500.00 | 1.0 | None | Yes | No | 6.325% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06515 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293969 | Non QM | Yes | No | $7,341.00 | $9,676.18 | 3.432% | No | No | Self-Employed | US Citizen | $10,333.44 | 1 | $2,767.92 | 46.585% | 46.585% | 46.585% | 07/08/2021 | 744 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$7,341.00 | 2.820% | $0.00 | 2.6 | None | N/A | No | 3.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03432 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016622 | Non QM | Yes | No | $8,177.00 | $9,082.40 | 4.818% | No | No | Self-Employed | US Citizen | $72,507.63 | 1 | $2,238.60 | 10.654% | 10.654% | 10.654% | 07/07/2021 | 789 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $8,177.00 | 2.920% | $0.00 | 5.0 | None | No | No | 4.675% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04818 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293975 | Non QM | Yes | No | $7,724.50 | $8,625.70 | 3.449% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $20,224.22 | 1 | $1,784.52 | 26.846% | 26.846% | 26.846% | 08/08/2021 | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $7,724.50 | 2.240% | $0.00 | 1.0 | None | Yes | No | 3.200% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03449 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293976 | Non QM | Yes | No | $14,599.00 | $15,990.25 | 4.277% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $42,837.50 | 1 | $4,342.20 | 22.361% | 22.361% | 22.361% | 08/01/2021 | 747 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $14,599.00 | 2.930% | $0.00 | 5.0 | None | No | No | 4.125% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04277 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016623 | Non QM | Yes | No | $12,070.00 | $13,817.91 | 3.502% | No | No | Not Employed | Employed | Self-Employed | 4.32 | US Citizen | US Citizen | US Citizen | $3,949.70 | 1 | $2,999.04 | 37.154% | 37.154% | 37.154% | 09/08/2021 | 716 | 690 | 724 | 716 | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Borrower - Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - Primary Income - Wages]; WVOE - 2021 [Coborrower(s) - Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Business License - 2017 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM Points and Fees 2021 S-Corp Income Documentation Test Self-Employed Tax Return Recency |
$12,070.00 | 2.910% | $0.00 | 1.8 | None | No | No | 3.188% | 0 | 1 | 0 | 0 | 3 | 1 | 0.00 | No | 0.03502 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293981 | Non QM | Yes | No | $5,375.00 | $6,791.83 | 5.572% | No | No | Self-Employed | US Citizen | $4,220.39 | 1 | $1,602.96 | 45.892% | 45.892% | 45.892% | 08/11/2021 | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$5,375.00 | 2.920% | $1,000.00 | 2.6 | None | N/A | No | 5.325% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 0.05572 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293982 | Non QM | Yes | No | $31,644.97 | $33,039.31 | 4.738% | No | No | Self-Employed | US Citizen | $19,743.04 | 1 | $4,302.00 | 25.145% | 25.145% | 25.145% | 08/23/2021 | 744 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$31,644.97 | 2.920% | $13,399.00 | 1.0 | None | No | No | 4.425% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04738 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293984 | Non QM | Yes | No | $7,487.48 | $9,637.26 | 4.126% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $5,865.42 | 1 | $1,680.96 | 41.374% | 41.374% | 41.374% | 08/23/2021 | 741 | No | No | [Borrower - Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Borrower - Non-Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying |
$7,487.48 | 2.830% | $0.00 | None | N/A | No | 3.900% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04126 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293985 | Non QM | Yes | No | $16,267.20 | $6,140.28 | 4.074% | No | No | Self-Employed | US Citizen | $109,656.60 | 1 | $1,812.12 | 5.131% | 5.131% | 5.131% | 07/20/2021 | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 1 | 0 | 0 | Other Income - Not to be used for qualifying | $16,267.20 | 2.920% | $0.00 | 1.0 | None | N/A | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04074 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293986 | Non QM | Yes | No | $11,253.00 | $12,208.23 | 3.359% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $26,191.66 | 1 | $1,605.00 | 12.695% | 12.695% | 12.695% | 07/15/2021 | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $11,253.00 | 2.830% | $0.00 | 1.0 | None | Yes | No | 3.200% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03359 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293990 | Non QM | Yes | No | $17,782.50 | $21,068.70 | 4.144% | No | No | Self-Employed | US Citizen | $7,284.89 | 1 | $1,355.04 | 39.148% | 39.148% | 39.148% | 09/20/2021 | 765 | No | Yes | 24 | Personal | 67.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Wages]; Paystubs - 2021 [Borrower - Non-Primary Income - Wages]; Paystubs - 2021 [Borrower - Non-Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Non-Primary Income - Wages]; The Work Number - Income - 2021 [Borrower - Non-Primary Income - Wages]; W-2 - 2020 [Borrower - Non-Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - Non-Primary Income - Wages]; W-2 - 2019 [Borrower - Non-Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $17,782.50 | 2.920% | $500.00 | 1.5 | None | N/A | No | 3.875% | 2 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04144 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016625 | N/A | Yes | No | $41,274.20 | $22,265.64 | 6.206% | No | No | Not Employed | Self-Employed | 14.16 | US Citizen | $21,039.53 | 4 | $3,638.04 | 39.887% | 39.887% | 46.003% | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Other - 2015 |
Bank Statements | 0 | 0 | 0 | None | $41,274.20 | 2.930% | $0.00 | None | N/A | No | 6.025% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 0.06206 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293994 | N/A | Yes | No | $10,370.50 | $6,580.92 | 3.794% | No | No | Self-Employed | US Citizen | $136,908.65 | 4 | $2,560.80 | 9.008% | 9.008% | 9.008% | 08/06/2021 | 785 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2002 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Bank Statements]; Other - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Other - 2002 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,370.50 | 2.920% | $0.00 | None | No | No | 3.575% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03794 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293997 | N/A | Yes | No | $68,995.00 | $24,985.34 | 4.641% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $79,716.37 | 2 | $1,550.16 | 27.366% | 27.366% | 32.034% | 09/23/2021 | 725 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $68,995.00 | 2.930% | $0.00 | None | No | No | 4.550% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04641 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293998 | Non QM | Yes | No | $34,325.00 | $38,798.86 | 4.054% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $76,265.60 | 2 | $3,036.00 | 30.510% | 30.510% | 30.510% | 06/25/2021 | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $34,325.00 | 2.920% | $0.00 | 1.0 | None | No | No | 3.925% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04054 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293999 | Non QM | Yes | No | $8,095.00 | $3,566.22 | 4.618% | No | No | Self-Employed | US Citizen | $8,238.89 | 1 | $1,346.04 | 28.485% | 28.485% | 28.485% | 07/28/2021 | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $8,095.00 | 2.920% | $114,783.18 | None | N/A | No | 4.550% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04618 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294003 | Non QM | Yes | No | $24,000.00 | $28,646.32 | 5.823% | No | No | Not Employed | US Citizen | $10,003.70 | 1 | $1,179.96 | 41.763% | 41.763% | 41.763% | 08/20/2021 | 784 | Yes | No | [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Appendix Q Liabilities - Revolving Other Income - Not to be used for qualifying |
$24,000.00 | 2.910% | $0.00 | 1.8 | None | Yes | No | 5.550% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.05823 | Other | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293988 | Non QM | Yes | No | $880.50 | $2,028.83 | 5.774% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $24,746.37 | 1 | $1,494.96 | 23.671% | 23.671% | 23.671% | 752 | No | Yes | 12 | Business | 100.000% | 40.000% | 60.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Shared Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Shared Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Shared Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$880.50 | 2.910% | $0.00 | None | No | No | 5.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05774 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294004 | Non QM | Yes | No | $8,395.00 | $9,652.92 | 3.923% | No | No | Self-Employed | US Citizen | $21,078.67 | 1 | $780.00 | 15.685% | 15.685% | 15.685% | 08/13/2021 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $8,395.00 | 2.930% | $0.00 | 1.0 | None | Yes | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03923 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294005 | Non QM | Yes | No | $25,689.58 | $27,253.94 | 4.446% | No | No | Self-Employed | US Citizen | $6,132.60 | 1 | $2,082.96 | 43.405% | 43.405% | 43.405% | 07/19/2021 | 784 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$25,689.58 | 2.920% | $0.00 | 2.9 | None | Yes | No | 4.038% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04446 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294006 | Non QM | Yes | No | $7,915.00 | $8,833.15 | 3.289% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $12,402.72 | 1 | $1,625.04 | 30.796% | 30.796% | 30.796% | 06/27/2021 | 759 | Yes | No | [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $7,915.00 | 2.920% | $0.00 | 1.0 | None | Yes | No | 3.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.03289 | Other | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294007 | Non QM | Yes | No | $32,923.75 | $34,255.52 | 4.969% | No | No | Self-Employed | US Citizen | $15,548.60 | 1 | $9,335.04 | 45.507% | 45.507% | 45.507% | 08/23/2021 | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$32,923.75 | 2.920% | $0.00 | None | N/A | No | 4.725% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04969 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294008 | Non QM | Yes | No | $4,811.45 | $5,954.00 | 5.101% | No | No | Self-Employed | US Citizen | $7,808.53 | 1 | $570.96 | 24.556% | 24.556% | 24.556% | 07/09/2021 | 712 | No | No | [Borrower - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2020 [Borrower - Primary Income - Sole Proprietor]; W-2 Transcript - 2020 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2019 [Borrower - Primary Income - Sole Proprietor]; W-2 Transcript - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM Employment History - Current Employment Documentation lacks Date Info Sole Proprietorship Income Documentation Test |
$4,811.45 | 2.950% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 4.800% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 0.05101 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294012 | Non QM | Yes | No | $16,495.00 | $2,708.45 | 4.673% | No | No | Not Employed | US Citizen | $19,256.81 | 1 | $3,347.52 | 38.482% | 38.482% | 38.482% | 08/31/2021 | 780 | Yes | No | [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $16,495.00 | 2.910% | $0.00 | None | No | No | 4.650% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04673 | Other | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294092 | Non QM | Yes | No | $20,309.08 | $23,799.90 | 6.308% | No | No | Self-Employed | US Citizen | $14,092.09 | 1 | $2,557.80 | 43.785% | 43.785% | 43.785% | 06/07/2021 | 702 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI |
$20,309.08 | 3.070% | $0.00 | 4.0 | None | N/A | No | 6.100% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06308 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294093 | Non QM | Yes | No | $4,195.00 | $2,251.50 | 3.922% | No | No | Self-Employed | US Citizen | $6,266.13 | 1 | $585.00 | 29.673% | 29.673% | 29.673% | 07/01/2021 | 786 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2016 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$4,195.00 | 3.040% | $0.00 | 3.6 | None | No | No | 3.800% | 0 | 0 | 0 | 4 | 0 | 24 | 24 | 0.00 | No | 0.03922 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293960 | N/A | Yes | No | No | No | Foreign National | 1 | $1,047.96 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293964 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $1,558.92 | 0.000% | 0.000% | 0.000% | 708 | 696 | 683 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 5.0 | No | No | 5.200% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.56 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293965 | N/A | Yes | No | No | No | US Citizen | 4 | $3,218.04 | 0.000% | 0.000% | 0.000% | 04/22/2021 | 808 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.825% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293970 | N/A | Yes | No | No | No | US Citizen | 1 | $618.00 | 0.000% | 0.000% | 0.000% | 07/14/2021 | 766 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 4.150% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293974 | N/A | Yes | No | No | No | US Citizen | 1 | $1,988.04 | 0.000% | 0.000% | 0.000% | 08/23/2021 | 814 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.7 | No | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293977 | N/A | Yes | No | No | No | US Citizen | 3 | $618.00 | 0.000% | 0.000% | 0.000% | 08/25/2021 | 790 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.0 | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293978 | N/A | Yes | No | No | No | US Citizen | 1 | $863.04 | 0.000% | 0.000% | 0.000% | 07/23/2021 | 734 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.6 | No | No | 5.575% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293979 | N/A | Yes | No | No | No | US Citizen | 1 | $2,400.00 | 0.000% | 0.000% | 0.000% | 07/29/2021 | 701 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.700% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293987 | N/A | Yes | No | No | No | Permanent Resident Alien | 1 | $264.24 | 0.000% | 0.000% | 0.000% | 08/12/2021 | 697 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293967 | N/A | Yes | No | No | No | US Citizen | 1 | $2,226.96 | 0.000% | 0.000% | 0.000% | 06/23/2021 | 664 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.4 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293971 | N/A | Yes | No | No | No | US Citizen | 1 | $805.20 | 0.000% | 0.000% | 0.000% | 07/19/2021 | 701 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 4.4 | Yes | No | 5.050% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293972 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $885.00 | 0.000% | 0.000% | 0.000% | 07/19/2021 | 701 | 667 | 728 | 701 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.6 | No | No | 5.050% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293973 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $834.96 | 0.000% | 0.000% | 0.000% | 07/19/2021 | 701 | 667 | 728 | 701 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.6 | No | No | 5.300% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293980 | N/A | Yes | No | No | No | US Citizen | 1 | $651.84 | 0.000% | 0.000% | 0.000% | 07/22/2021 | 718 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 6.175% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293983 | N/A | Yes | No | No | No | US Citizen | 2 | $1,329.00 | 0.000% | 0.000% | 0.000% | 09/23/2021 | 725 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293989 | N/A | Yes | No | No | No | US Citizen | 2 | $2,165.04 | 0.000% | 0.000% | 0.000% | 08/18/2021 | 762 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.725% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293991 | N/A | Yes | No | No | No | US Citizen | 1 | $766.20 | 0.000% | 0.000% | 0.000% | 08/24/2021 | 717 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293992 | N/A | Yes | No | No | No | US Citizen | 4 | $2,253.00 | 0.000% | 0.000% | 0.000% | 07/21/2021 | 770 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.300% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293993 | N/A | Yes | No | No | No | US Citizen | 4 | $5,075.04 | 0.000% | 0.000% | 0.000% | 08/17/2021 | 717 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293996 | N/A | Yes | No | No | No | US Citizen | 1 | $3,232.92 | 0.000% | 0.000% | 0.000% | 06/17/2021 | 670 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.350% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294000 | N/A | Yes | No | No | No | US Citizen | 1 | $1,206.48 | 0.000% | 0.000% | 0.000% | 07/08/2021 | 774 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.0 | No | No | 5.850% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294001 | N/A | Yes | No | No | No | US Citizen | 1 | $2,327.64 | 0.000% | 0.000% | 0.000% | 08/27/2021 | 660 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294002 | N/A | Yes | No | No | No | US Citizen | 1 | $1,413.96 | 0.000% | 0.000% | 0.000% | 08/31/2021 | 769 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.0 | Yes | No | 3.900% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294010 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $860.64 | 0.000% | 0.000% | 0.000% | 07/19/2021 | 701 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 5.425% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294094 | N/A | Yes | No | No | No | Foreign National | 1 | $2,198.04 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.4 | No | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294009 | Non QM | Yes | No | $19,183.54 | $19,347.75 | 4.683% | No | No | Self-Employed | US Citizen | $35,812.22 | 1 | $921.00 | 15.828% | 15.828% | 15.828% | 09/08/2021 | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-T - 2020 [Borrower]; 4506-T - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-T - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$19,183.54 | 2.910% | $5,000.00 | None | N/A | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04683 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016626 | Non QM | Yes | No | $12,419.00 | $14,526.94 | 7.926% | No | No | Self-Employed | US Citizen | $5,960.95 | 1 | $1,752.00 | 44.766% | 44.766% | 44.766% | 08/05/2021 | 675 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 1 | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$12,419.00 | 2.910% | $0.00 | None | N/A | No | 7.550% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.07926 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294077 | Non QM | Yes | No | $17,115.61 | $7,841.76 | 6.945% | No | No | Self-Employed | US Citizen | $11,838.02 | 1 | $3,618.96 | 34.811% | 34.811% | 34.811% | 08/17/2021 | 692 | No | No | Audited | [Borrower - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Other | 0 | 0 | 0 | QM DTI QM Points and Fees 2021 Sole Proprietorship Income Documentation Test |
$17,115.61 | 2.910% | $0.00 | 2.6 | None | No | No | 6.825% | 0 | 0 | 0 | 3 | 0 | 19.00 | No | 0.06945 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294078 | Non QM | Yes | No | $19,630.00 | $10,190.48 | 6.945% | No | No | Self-Employed | US Citizen | $16,030.65 | 1 | $2,207.16 | 27.180% | 27.180% | 27.180% | 09/20/2021 | 682 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$19,630.00 | 2.910% | $3,080.00 | 1.0 | None | Yes | No | 6.825% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.06945 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294079 | Non QM | Yes | No | $18,245.00 | $21,664.24 | 3.737% | No | No | Self-Employed | US Citizen | $28,912.98 | 1 | $1,770.00 | 45.489% | 45.489% | 45.489% | 08/30/2021 | 733 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Bank Statements]; Other - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI |
$18,245.00 | 2.930% | $0.00 | None | N/A | No | 3.575% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03737 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294080 | Non QM | Yes | No | $8,094.00 | $9,327.75 | 3.707% | No | No | Self-Employed | US Citizen | $5,630.84 | 1 | $1,691.04 | 37.491% | 37.491% | 37.491% | 08/16/2021 | 751 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $8,094.00 | 2.950% | $0.00 | 1.0 | None | No | No | 3.450% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03707 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016627 | Non QM | Yes | No | $25,267.50 | $25,249.90 | 3.567% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $15,489.31 | 1 | $2,865.00 | 35.156% | 26.616% | 35.156% | 08/09/2021 | 735 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Loan Term |
$25,267.50 | 2.910% | $0.00 | 2.5 | None | Yes | No | 3.450% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03567 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294082 | Non QM | Yes | No | $15,705.62 | $12,499.36 | 4.069% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,584.67 | 1 | $1,337.16 | 29.093% | 29.093% | 29.093% | 09/26/2021 | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$15,705.62 | 2.920% | $0.00 | 1.0 | None | Yes | No | 3.800% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04069 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294083 | N/A | Yes | No | $19,950.80 | $11,228.00 | 4.615% | No | No | Employed | Employed | US Citizen | US Citizen | $10,345.13 | 1 | $3,668.04 | 45.782% | 45.782% | 45.782% | 08/18/2021 | 705 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - Primary Income - Wages]; W-2 Transcript - 2019 [Coborrower(s) - Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Coborrower(s) - Primary Income - Wages]; W-2 Transcript - 2020 [Coborrower(s) - Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 1040 - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 1040 - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 |
2 Years Tax Returns | 0 | 0 | 0 | None | $19,950.80 | 2.910% | $0.00 | 1.0 | None | Yes | No | 4.450% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | 0.04615 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294085 | Non QM | Yes | No | $20,020.00 | $24,861.75 | 4.246% | No | No | Self-Employed | US Citizen | $5,501.86 | 1 | $740.40 | 49.485% | 49.485% | 49.485% | 08/17/2021 | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$20,020.00 | 2.930% | $50,000.00 | 1.0 | None | Yes | No | 3.975% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04246 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294086 | Non QM | Yes | No | $3,807.50 | $2,614.92 | 4.354% | No | No | Self-Employed | US Citizen | $4,875.54 | 1 | $1,281.96 | 28.980% | 28.980% | 28.980% | 09/21/2021 | 776 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$3,807.50 | 2.910% | $0.00 | 1.0 | None | Yes | No | 4.200% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04354 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294088 | Non QM | Yes | No | $6,087.10 | $6,841.94 | 5.862% | No | No | Self-Employed | US Citizen | $2,616.73 | 1 | $3,462.00 | 42.159% | 42.159% | 42.159% | 08/30/2021 | 696 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$6,087.10 | 2.910% | $2,550.00 | 2.0 | None | Yes | No | 5.450% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.05862 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294089 | Non QM | Yes | No | $12,932.22 | $14,737.07 | 3.829% | No | No | Self-Employed | US Citizen | $6,404.64 | 1 | $1,026.60 | 44.967% | 44.967% | 44.967% | 08/16/2021 | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$12,932.22 | 2.930% | $0.00 | 1.0 | None | Yes | No | 3.575% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03829 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294090 | Non QM | Yes | No | $5,635.00 | $6,154.61 | 4.739% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,668.89 | 1 | $1,929.96 | 44.661% | 44.661% | 44.661% | 726 | No | Yes | 14 | Business | 100.000% | 100.000% | Audited | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Audited P&L - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2017 |
Bank Statements | 1 | 2 | 9 | Other Income - Not to be used for qualifying QM DTI |
$5,635.00 | 2.820% | $0.00 | 1.9 | None | No | No | 4.625% | 0 | 0 | 0 | 0 | 4 | 0 | 14 | 12.00 | No | 0.04739 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016628 | Non QM | Yes | No | $5,530.00 | $7,375.44 | 4.059% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,529.19 | 1 | $6,164.04 | 43.148% | 43.148% | 43.148% | 09/02/2021 | 736 | No | Yes | 36 | Business | 100.000% | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI |
$5,530.00 | 2.910% | $106,000.00 | 2.9 | None | No | No | 3.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04059 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294095 | Non QM | Yes | No | $17,007.50 | $6,800.80 | 6.597% | No | No | Self-Employed | US Citizen | $9,599.73 | 1 | $1,193.04 | 38.820% | 38.820% | 38.820% | 09/13/2021 | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Bank Statements | 1 | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$17,007.50 | 3.060% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06597 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294096 | Non QM | Yes | No | $9,750.00 | $12,280.20 | 4.813% | No | No | Self-Employed | Permanent Resident Alien | $7,503.80 | 1 | $1,001.28 | 33.397% | 33.397% | 33.397% | 09/05/2021 | 672 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,750.00 | 3.060% | $0.00 | 1.0 | None | Yes | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04813 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294097 | Non QM | Yes | No | $7,845.00 | $9,337.60 | 4.075% | No | No | Self-Employed | US Citizen | $3,741.38 | 1 | $911.64 | 42.607% | 42.607% | 42.607% | 08/11/2021 | 675 | No | Yes | 24 | Personal | 76.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Non-Primary Income - Wages]; Paystubs - 2021 [Borrower - Non-Primary Income - Wages]; W-2 - 2020 [Borrower - Non-Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Employment History - Current Employment Documentation lacks Date Info |
$7,845.00 | 2.930% | $0.00 | 1.0 | None | Yes | No | 3.875% | 2 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04075 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294098 | Non QM | Yes | No | $11,827.00 | $12,968.50 | 4.140% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,325.44 | 1 | $2,192.04 | 43.384% | 43.384% | 43.384% | 10/05/2021 | 772 | No | Yes | 14 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$11,827.00 | 2.930% | $0.00 | 1.0 | None | Yes | No | 3.825% | 0 | 0 | 0 | 3 | 0 | 14 | 0.00 | No | 0.0414 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294099 | Non QM | Yes | No | $8,775.00 | $10,089.80 | 3.917% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,538.19 | 1 | $714.00 | 35.923% | 35.923% | 35.923% | 09/22/2021 | 621 | No | Yes | 24 | Personal | 73.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Wages]; Paystubs - 2021 [Borrower - Non-Primary Income - Wages]; Paystubs - 2021 [Borrower - Non-Primary Income - Wages]; W-2 - 2020 [Borrower - Non-Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - Non-Primary Income - Wages]; W-2 Transcript - No Results Returned - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Employment History QM Points and Fees 2021 |
$8,775.00 | 2.930% | $0.00 | 1.0 | None | No | No | 3.575% | 1 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03917 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294100 | Non QM | Yes | No | $40,875.00 | $44,096.85 | 4.494% | No | No | Self-Employed | US Citizen | $42,573.06 | 1 | $2,489.04 | 14.157% | 9.394% | 14.157% | 08/19/2021 | 803 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Points and Fees 2021 |
$40,875.00 | 2.910% | $0.00 | 4.9 | None | N/A | No | 4.138% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04494 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294103 | Non QM | Yes | No | $51,573.08 | $54,263.50 | 3.502% | No | No | Self-Employed | US Citizen | $12,451.30 | 1 | $3,710.04 | 47.801% | 39.466% | 47.801% | 07/28/2021 | 758 | No | No | Borrower Prepared | [Borrower - Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Borrower - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Borrower - Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Borrower - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Borrower - Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2021 [Borrower - Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 |
[Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | Income Method of Calculation K-1 Documentation K-1 Justification QM Deferment of Principal QM Loan Term QM Points and Fees 2021 S-Corp Income Documentation Test |
$51,573.08 | 2.920% | $0.00 | 3.8 | None | Yes | No | 3.250% | 0 | 1 | 0 | 3 | 2 | 20.00 | No | 0.03502 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294104 | Non QM | Yes | No | $8,375.50 | $3,702.14 | 3.658% | No | No | Self-Employed | US Citizen | $23,695.90 | 1 | $1,005.00 | 14.131% | 14.131% | 14.131% | 09/08/2021 | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $8,375.50 | 2.910% | $6,000.00 | 4.7 | None | No | No | 3.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03658 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294105 | Non QM | Yes | No | $7,192.00 | $11,197.12 | 7.087% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,614.76 | 1 | $999.96 | 47.718% | 47.718% | 47.718% | 09/10/2021 | 664 | No | Yes | 12 | Business | 78.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Coborrower(s) - Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - Primary Income - Wages]; W-2 - 2019 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$7,192.00 | 2.930% | $0.00 | 2.2 | None | Yes | No | 6.925% | 0 | 2 | 0 | 0 | 3 | 2 | 12 | 0.00 | No | 0.07087 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294106 | Non QM | Yes | No | $9,570.00 | $12,156.94 | 6.487% | No | No | Self-Employed | US Citizen | $21,876.52 | 1 | $906.00 | 21.169% | 21.169% | 21.169% | 08/11/2021 | 682 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,570.00 | 2.910% | $0.00 | 1.0 | None | N/A | No | 6.225% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06487 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294107 | Non QM | Yes | No | $25,401.25 | $29,763.02 | 4.459% | No | No | Self-Employed | US Citizen | $10,209.46 | 1 | $851.04 | 49.633% | 49.633% | 49.633% | 08/11/2021 | 755 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$25,401.25 | 2.910% | $0.00 | 1.0 | None | Yes | No | 4.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04459 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294108 | Non QM | Yes | No | $5,563.38 | $10,800.93 | 4.725% | No | No | Self-Employed | US Citizen | $4,391.28 | 1 | $600.00 | 43.869% | 43.869% | 43.869% | 08/09/2021 | 700 | No | No | Borrower Prepared | [Borrower - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 1 | 0 | 0 | 0 | QM DTI QM Employment History Self Employed Years on Job Sole Proprietorship Income Documentation Test |
$5,563.38 | 2.930% | $0.00 | 2.9 | None | Yes | No | 4.525% | 0 | 1 | 0 | 3 | 1 | 20.60 | No | 0.04725 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294109 | N/A | Yes | No | $11,670.75 | $7,889.72 | 5.490% | No | No | Self-Employed | US Citizen | $6,559.15 | 1 | $737.52 | 48.779% | 48.779% | 48.779% | 10/08/2021 | 653 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,670.75 | 2.910% | $0.00 | 1.0 | None | No | No | 5.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.0549 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294110 | Non QM | Yes | No | $14,845.00 | $17,836.99 | 7.110% | No | No | Employed | US Citizen | $40,224.20 | 1 | $2,924.04 | 18.025% | 18.025% | 18.025% | 08/31/2021 | 640 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Primary Income - Wages]; The Work Number - Income - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 [Borrower - Primary Income - Wages]; W-2 Transcript - 2019 [Borrower - Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 2 | 1 | 0 | Commission Tax Documentation | $14,845.00 | 2.910% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 0.0711 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294112 | Non QM | Yes | No | $14,703.00 | $17,360.50 | 4.223% | No | No | Self-Employed | US Citizen | $4,898.63 | 1 | $762.00 | 39.696% | 39.696% | 39.696% | 09/06/2021 | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $14,703.00 | 2.930% | $3,000.00 | 1.0 | None | No | No | 3.950% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04223 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436293966 | N/A | Yes | No | No | No | US Citizen | 3 | $2,113.44 | 0.000% | 0.000% | 0.000% | 07/28/2021 | 796 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.975% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294011 | N/A | Yes | No | No | No | Foreign National | Foreign National | 1 | $7,974.96 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.6 | Yes | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294013 | N/A | Yes | No | No | No | US Citizen | 1 | $938.04 | 0.000% | 0.000% | 0.000% | 08/16/2021 | 812 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294081 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $20,550.96 | 0.000% | 0.000% | 0.000% | 09/24/2021 | 723 | 723 | 724 | 706 | Level 1-Not Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.0 | No | No | 4.163% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 6.86 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294084 | N/A | Yes | No | No | No | US Citizen | 1 | $1,023.96 | 0.000% | 0.000% | 0.000% | 08/24/2021 | 709 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294087 | N/A | Yes | No | No | No | US Citizen | 1 | $634.20 | 0.000% | 0.000% | 0.000% | 07/19/2021 | 803 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | 3.800% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294091 | N/A | Yes | No | No | No | US Citizen | 1 | $3,555.96 | 0.000% | 0.000% | 0.000% | 05/21/2021 | 788 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.567% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294101 | N/A | Yes | No | No | No | US Citizen | 1 | $1,083.12 | 0.000% | 0.000% | 0.000% | 09/01/2021 | 799 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.675% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294111 | N/A | Yes | No | No | No | US Citizen | US Citizen | 1 | $3,226.08 | 0.000% | 0.000% | 0.000% | 08/13/2021 | 696 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.975% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294139 | N/A | Yes | No | $9,361.00 | $5,600.74 | 3.947% | No | No | Self-Employed | US Citizen | $50,981.54 | 1 | $624.96 | 17.772% | 17.772% | 17.772% | 08/30/2021 | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,361.00 | 2.930% | $0.00 | 1.0 | None | Yes | No | 3.825% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03947 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294140 | Non QM | Yes | No | $36,342.34 | $39,689.70 | 3.439% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $54,977.53 | 1 | $3,195.00 | 35.561% | 35.561% | 35.561% | 08/12/2021 | 768 | No | Yes | 36 | Personal, Business | 100.000% | 50.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Other - 2003 [Borrower - Non-Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Non-Primary Income - Bank Statements]; Other - 2003 [Coborrower(s) - Primary Income - Bank Statements]; Other - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Other - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$36,342.34 | 3.060% | $0.00 | 1.0 | None | No | No | 3.325% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | 0.03439 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294142 | Non QM | Yes | No | $5,247.50 | $5,959.78 | 3.977% | No | No | Self-Employed | US Citizen | $9,081.77 | 1 | $1,866.00 | 42.290% | 42.290% | 42.290% | 07/02/2021 | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $5,247.50 | 2.810% | $0.00 | 1.0 | None | Yes | No | 3.925% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 0.03977 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294143 | Non QM | Yes | No | $15,792.00 | $5,056.18 | 4.027% | No | No | Self-Employed | US Citizen | $9,314.74 | 1 | $2,955.96 | 36.563% | 36.563% | 36.563% | 08/30/2021 | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 4506-C - 2016 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $15,792.00 | 2.910% | $0.00 | 2.4 | None | No | No | 3.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04027 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294144 | Non QM | Yes | No | $37,745.00 | $40,927.61 | 3.660% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,872.99 | 1 | $4,259.04 | 44.543% | 34.712% | 44.543% | 09/14/2021 | 693 | No | Yes | 29 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Deferment of Principal QM Loan Term |
$37,745.00 | 2.910% | $0.00 | None | N/A | No | 3.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0366 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294145 | Non QM | Yes | No | $9,775.00 | $11,849.70 | 4.748% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $31,488.26 | 1 | $6,669.96 | 16.395% | 16.395% | 16.395% | 09/04/2021 | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,775.00 | 3.060% | $0.00 | 2.5 | None | N/A | No | 4.575% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04748 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294146 | Non QM | Yes | No | $9,449.75 | $11,517.38 | 3.720% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,495.82 | 2 | $3,083.04 | 43.091% | 43.091% | 43.091% | 09/20/2021 | 773 | No | Yes | 23 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2019 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2019 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2019 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2019 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$9,449.75 | 3.140% | $0.00 | None | No | No | 3.450% | 0 | 0 | 0 | 0 | 3 | 0 | 23 | 0.00 | No | 0.0372 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294148 | Non QM | Yes | No | $3,539.00 | $4,615.32 | 5.371% | No | No | Not Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $8,155.30 | 1 | $588.96 | 23.980% | 23.980% | 23.980% | 717 | No | No | [Borrower - Primary Income - Pension]; Account Statements - 2021 [Borrower - Primary Income - Pension]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Coborrower(s) - Primary Income - Wages]; The Work Number - Income - 2021 [Coborrower(s) - Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | QM Points and Fees 2021 Retirement Documentation |
$3,539.00 | 2.930% | $0.00 | 1.0 | None | No | No | 4.975% | 0 | 2 | 2 | 0 | 3 | 0 | 0.00 | No | 0.05371 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294149 | N/A | Yes | No | $14,691.83 | $10,851.88 | 5.445% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,860.66 | 1 | $1,220.04 | 28.272% | 28.272% | 28.272% | 08/09/2021 | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $14,691.83 | 3.100% | $7,344.00 | 2.6 | None | No | No | 5.100% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05445 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294151 | Non QM | Yes | No | $18,000.00 | $5,503.30 | 3.654% | No | No | Self-Employed | US Citizen | $44,710.99 | 1 | $2,684.64 | 18.294% | 18.294% | 18.294% | 09/17/2021 | 767 | No | Yes | 12 | Business | 100.000% | 85.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $18,000.00 | 3.060% | $0.00 | None | Yes | No | 3.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03654 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294152 | N/A | Yes | No | $14,459.00 | $8,774.00 | 3.848% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $223,078.29 | 2 | $1,288.20 | 9.133% | 9.133% | 9.133% | 08/04/2021 | 780 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $14,459.00 | 3.100% | $0.00 | None | No | No | 3.700% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03848 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294113 | Non QM | Yes | No | $18,200.00 | $19,867.25 | 5.695% | No | No | Self-Employed | US Citizen | $50,153.05 | 1 | $5,573.04 | 19.885% | 16.558% | 19.885% | 08/04/2021 | 646 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$18,200.00 | 2.930% | $0.00 | DU | Out of Scope | N/A | No | 5.525% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05695 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294114 | Non QM | Yes | No | $9,685.00 | $10,941.74 | 4.181% | No | No | Self-Employed | US Citizen | $3,099.75 | 1 | $947.04 | 48.338% | 48.338% | 48.338% | 08/20/2021 | 742 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$9,685.00 | 2.930% | $3,000.00 | 4.3 | None | N/A | No | 3.950% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04181 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294115 | Non QM | Yes | No | $7,995.00 | $9,574.88 | 3.483% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,174.25 | 1 | $1,661.04 | 45.917% | 45.917% | 45.917% | 09/09/2021 | 743 | No | Yes | 12 | Personal | 66.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2019 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 [Coborrower(s) - Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying QM DTI |
$7,995.00 | 3.060% | $0.00 | 2.6 | None | N/A | No | 3.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03483 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294116 | Non QM | Yes | No | $9,210.04 | $5,028.15 | 4.783% | No | No | Self-Employed | Permanent Resident Alien | $5,056.63 | 1 | $1,164.96 | 40.420% | 40.420% | 40.420% | 08/03/2021 | 763 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$9,210.04 | 3.060% | $7,500.00 | 1.3 | None | No | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04783 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294120 | N/A | Yes | No | $10,245.00 | $6,237.18 | 3.892% | No | No | Self-Employed | US Citizen | $28,192.04 | 1 | $1,146.00 | 38.008% | 38.008% | 38.008% | 08/04/2021 | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,245.00 | 2.930% | $0.00 | None | N/A | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03892 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294121 | Non QM | Yes | No | $8,783.75 | $10,008.65 | 5.081% | No | No | Employed | US Citizen | $4,258.29 | 3 | $1,107.96 | 49.114% | 49.114% | 49.114% | 09/17/2021 | 722 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM DTI Rental Income Documentation - 25% Method Rental Income Documentation - Boarder Income Ineligible Test |
$8,783.75 | 2.930% | $35,000.00 | None | No | No | 4.875% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | 0.05081 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294122 | Non QM | Yes | No | $6,692.50 | $7,434.36 | 5.108% | No | No | Self-Employed | US Citizen | $8,999.76 | 1 | $2,364.96 | 26.899% | 26.899% | 26.899% | 08/26/2021 | 741 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $6,692.50 | 3.060% | $0.00 | 1.0 | None | N/A | No | 4.925% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.05108 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294123 | Non QM | Yes | No | $9,370.00 | $2,271.28 | 3.786% | No | No | Self-Employed | US Citizen | $18,710.31 | 1 | $2,553.00 | 25.159% | 25.159% | 25.159% | 08/14/2021 | 778 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2010 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,370.00 | 2.910% | $0.00 | 1.0 | None | Yes | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03786 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294124 | Non QM | Yes | No | $11,813.00 | $13,043.84 | 3.558% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $232,826.69 | 1 | $3,947.16 | 8.908% | 8.908% | 8.908% | 08/04/2021 | 780 | No | Yes | 26 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $11,813.00 | 2.930% | $0.00 | 1.0 | None | N/A | No | 3.450% | 0 | 0 | 0 | 0 | 3 | 0 | 26 | 0.00 | No | 0.03558 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294126 | Non QM | Yes | No | $26,510.93 | $8,252.79 | 4.843% | No | No | Employed | Employed | US Citizen | US Citizen | $13,177.06 | 1 | $1,407.36 | 36.977% | 36.977% | 36.977% | 09/03/2021 | 718 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Primary Income - Wages]; The Work Number - Income - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; VVOE - 2021 |
[Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 1040 - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | QM Employment History QM Points and Fees 2021 |
$26,510.93 | 2.930% | $250.00 | 1.0 | None | N/A | No | 4.750% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | 0.04843 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294129 | Non QM | Yes | No | $21,595.00 | $23,610.60 | 4.950% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,098.86 | 1 | $2,408.16 | 44.738% | 44.738% | 44.738% | 08/30/2021 | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Other - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$21,595.00 | 2.910% | $0.00 | 1.0 | None | Yes | No | 4.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0495 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294130 | Non QM | Yes | No | $13,607.50 | $14,252.30 | 5.118% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,535.78 | 1 | $669.00 | 32.501% | 32.501% | 32.501% | 08/04/2021 | 673 | No | No | Borrower Prepared | [Borrower - Primary Income - Sole Proprietor]; Business License - 2021 [Borrower - Primary Income - Sole Proprietor]; Other - 2021 [Borrower - Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2020 [Coborrower(s) - Primary Income - Sole Proprietor]; Business License - 2021 [Coborrower(s) - Primary Income - Sole Proprietor]; Other - 2021 [Coborrower(s) - Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Coborrower(s) - Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | Income Method of Calculation QM Points and Fees 2021 Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test |
$13,607.50 | 2.910% | $0.00 | 3.4 | None | No | No | 4.825% | 0 | 0 | 0 | 0 | 3 | 0 | 19.00 | No | 0.05118 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294131 | N/A | Yes | No | $10,572.25 | $11,906.25 | 4.740% | No | No | Self-Employed | US Citizen | $62,348.66 | 1 | $2,450.04 | 24.311% | 24.311% | 24.311% | 08/12/2021 | 782 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; Transcripts (1040) - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,572.25 | 3.040% | $0.00 | 2.9 | None | No | No | 4.575% | 0 | 0 | 0 | 3 | 3 | 24 | 0.00 | No | 0.0474 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294133 | Non QM | Yes | No | $11,845.00 | $13,945.00 | 3.935% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $295,504.11 | 1 | $4,335.48 | 13.087% | 13.087% | 13.087% | 09/13/2021 | 801 | No | Yes | 25 | Business | 100.000% | 100.000% | [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $11,845.00 | 2.930% | $0.00 | None | No | No | 3.875% | 0 | 0 | 0 | 0 | 3 | 0 | 25 | 0.00 | No | 0.03935 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294135 | Non QM | Yes | No | $7,495.00 | $8,374.54 | 3.949% | No | No | Self-Employed | US Citizen | $11,454.70 | 1 | $1,277.16 | 38.056% | 38.056% | 38.056% | 09/10/2021 | 673 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $7,495.00 | 3.060% | $0.00 | 1.0 | None | Yes | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03949 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294136 | Non QM | Yes | No | $87,064.30 | $57,465.25 | 3.837% | No | No | Self-Employed | US Citizen | $49,995.80 | 2 | $4,017.00 | 15.859% | 15.859% | 15.859% | 08/12/2021 | 729 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$87,064.30 | 2.910% | $0.00 | None | N/A | No | 3.575% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03837 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294137 | Non QM | Yes | No | $8,815.00 | $10,356.59 | 4.049% | No | No | Self-Employed | US Citizen | $3,748.91 | 1 | $1,443.96 | 49.914% | 49.914% | 49.914% | 08/10/2021 | 702 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$8,815.00 | 3.060% | $0.00 | 1.0 | None | Yes | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04049 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016629 | N/A | Yes | No | $7,492.60 | $9,303.75 | 4.247% | No | No | Self-Employed | US Citizen | $8,955.80 | 1 | $765.96 | 46.705% | 46.705% | 46.705% | 09/22/2021 | 806 | No | Yes | 12 | Business | 89.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Pension]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $7,492.60 | 3.060% | $0.00 | 3.1 | None | No | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04247 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294138 | Non QM | Yes | No | $20,482.50 | $2,522.07 | 5.017% | No | No | Self-Employed | US Citizen | $8,814.64 | 1 | $1,401.96 | 49.814% | 49.814% | 49.814% | 08/10/2021 | 692 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$20,482.50 | 3.060% | $0.00 | 1.0 | None | N/A | No | 5.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.05017 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294195 | Non QM | Yes | No | $12,080.75 | $13,839.33 | 5.031% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $12,646.85 | 1 | $1,338.00 | 36.057% | 31.804% | 36.057% | 08/26/2021 | 711 | Yes | No | [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2017 [Coborrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Deferment of Principal QM Points and Fees 2021 |
$12,080.75 | 2.910% | $0.00 | 2.7 | None | Yes | No | 4.725% | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | 0.05031 | Other | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294197 | Non QM | Yes | No | $9,676.24 | $10,176.24 | 3.438% | No | No | Self-Employed | US Citizen | $2,903.09 | 1 | $1,218.96 | 49.520% | 49.520% | 49.520% | 08/09/2021 | 730 | No | Yes | 13 | Business | 84.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2010 [Borrower - Non-Primary Income - Alimony]; Account Statements - 2021 [Borrower - Non-Primary Income - Alimony]; Divorce Decree - 2010 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$9,676.24 | 2.930% | $0.00 | None | No | No | 3.200% | 0 | 0 | 0 | 0 | 0 | 13 | 0.00 | No | 0.03438 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294198 | Non QM | Yes | No | $9,242.50 | $1,970.00 | 4.733% | No | No | Self-Employed | US Citizen | $4,153.82 | 1 | $1,776.60 | 48.077% | 48.077% | 48.077% | 08/25/2021 | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | QM Small Creditor Info Not Provided | $9,242.50 | 3.060% | $0.00 | 2.6 | None | No | No | 4.700% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04733 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294200 | Non QM | Yes | No | $5,686.75 | $6,571.75 | 7.411% | No | No | Self-Employed | US Citizen | $13,460.71 | 1 | $1,419.00 | 25.218% | 25.218% | 25.218% | 08/10/2021 | 674 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$5,686.75 | 2.930% | $9,315.00 | 2.5 | None | N/A | No | 7.050% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.07411 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294206 | Non QM | Yes | No | $15,295.00 | $15,527.14 | 4.142% | No | No | Self-Employed | US Citizen | $115,588.75 | 1 | $2,217.00 | 8.306% | 8.306% | 8.306% | 09/15/2021 | 709 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $15,295.00 | 2.930% | $0.00 | 1.7 | None | N/A | No | 3.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04142 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294199 | Non QM | Yes | No | $9,171.82 | $6,327.80 | 5.074% | No | No | Self-Employed | Permanent Resident Alien | $4,121.90 | 1 | $705.96 | 30.596% | 30.596% | 30.596% | 09/07/2021 | 743 | No | No | Borrower Prepared | [Borrower - Primary Income - Partnership (>= 25%)]; P&L Statement - 2021 [Borrower - Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021 [Borrower - Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Borrower - Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 [Borrower - Primary Income - Partnership (>= 25%)]; K-1 - 2020 [Borrower - Primary Income - Partnership (>= 25%)]; Other - 2020 [Borrower - Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 [Borrower - Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018 [Borrower - Non-Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - Non-Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | Income Method of Calculation Income Method of Calculation Partnership Income Documentation Test QM Points and Fees 2021 Sole Proprietorship Income Documentation Test |
$9,171.82 | 3.100% | $6,000.00 | 1.0 | None | Yes | No | 4.875% | 0 | 1 | 0 | 3 | 1 | 20.00 | No | 0.05074 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294205 | Non QM | Yes | No | $7,361.38 | $8,603.66 | 5.422% | No | No | Self-Employed | US Citizen | $16,166.09 | 1 | $1,035.96 | 10.887% | 10.887% | 10.887% | 09/13/2021 | 729 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$7,361.38 | 3.140% | $6,500.00 | 2.3 | None | Yes | No | 5.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05422 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294207 | Non QM | Yes | No | $20,695.00 | $27,862.74 | 4.440% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,227.49 | 1 | $795.96 | 33.779% | 23.395% | 33.779% | 10/04/2021 | 761 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$20,695.00 | 3.100% | $0.00 | 2.2 | None | Yes | No | 4.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0444 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294196 | Non QM | Yes | No | $10,543.60 | $13,508.60 | 4.113% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $13,360.03 | 1 | $3,653.04 | 40.555% | 30.122% | 40.555% | 08/04/2021 | 715 | No | Yes | 12 | Personal | 81.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - Non-Primary Income - Social Security]; 1099-SSA - 2020 [Coborrower(s) - Non-Primary Income - Social Security]; 1099-SSA - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal Social Security Documentation Social Security Documentation |
$10,543.60 | 3.040% | $0.00 | 1.0 | None | N/A | No | 4.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04113 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294118 | Non QM | Yes | No | $8,299.00 | $8,643.75 | 3.984% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,384.42 | 1 | $1,802.04 | 36.993% | 36.993% | 36.993% | 09/24/2021 | 651 | No | Yes | 48 | Business | 100.000% | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$8,299.00 | 3.040% | $4,120.00 | None | N/A | No | 3.750% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03984 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294203 | Non QM | Yes | No | $15,056.25 | $15,450.42 | 4.240% | No | No | Self-Employed | US Citizen | $84,479.32 | 1 | $2,502.00 | 6.387% | 6.387% | 6.387% | 09/29/2021 | 717 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $15,056.25 | 3.040% | $0.00 | 3.0 | None | No | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0424 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294210 | Non QM | Yes | No | $32,106.50 | $36,949.00 | 4.237% | No | No | Self-Employed | US Citizen | $17,538.97 | 1 | $1,526.28 | 30.839% | 30.839% | 30.839% | 09/20/2021 | 792 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $32,106.50 | 3.040% | $20,000.00 | None | N/A | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04237 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016630 | Non QM | Yes | No | $15,245.00 | $16,508.45 | 3.624% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $72,077.77 | 1 | $2,520.00 | 12.173% | 12.173% | 12.173% | 09/21/2021 | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $15,245.00 | 3.040% | $0.00 | 1.0 | None | N/A | No | 3.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03624 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294132 | Non QM | Yes | No | $25,757.50 | $27,887.14 | 3.967% | No | No | Self-Employed | US Citizen | $19,812.80 | 1 | $2,930.04 | 42.275% | 42.275% | 42.275% | 08/05/2021 | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Rental Income Documentation - 25% Method Rental Income Documentation - 25% Method Rental Income Documentation - 25% Method Rental Income Documentation - 25% Method Rental Income Documentation - 25% Method |
$25,757.50 | 3.040% | $0.00 | 1.4 | None | Yes | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03967 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294141 | N/A | Yes | No | No | No | US Citizen | US Citizen | 1 | $1,107.00 | 0.000% | 0.000% | 0.000% | 09/30/2021 | 704 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294147 | N/A | Yes | No | No | No | US Citizen | 1 | $882.00 | 0.000% | 0.000% | 0.000% | 10/15/2021 | 701 | No | No | Other | 1 | 0 | 0 | No | $0.00 | N/A | No | 4.525% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294150 | N/A | Yes | No | No | No | US Citizen | 2 | $1,524.00 | 0.000% | 0.000% | 0.000% | 08/10/2021 | 761 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 5.525% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294154 | N/A | Yes | No | No | No | US Citizen | 2 | $2,910.96 | 0.000% | 0.000% | 0.000% | 07/30/2021 | 701 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 6.550% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294117 | N/A | Yes | No | No | No | US Citizen | 3 | $3,671.04 | 0.000% | 0.000% | 0.000% | 08/24/2021 | 728 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294119 | N/A | Yes | No | No | No | 0 | US Citizen | 2 | $2,102.52 | 0.000% | 0.000% | 0.000% | 08/25/2021 | 667 | 667 | 762 | 610 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294128 | N/A | Yes | No | No | No | US Citizen | 1 | $5,810.04 | 0.000% | 0.000% | 0.000% | 09/21/2021 | 732 | No | No | Other | 0 | 0 | 0 | No | $0.00 | Yes | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294134 | N/A | Yes | No | No | No | Foreign National | 1 | $1,149.00 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294194 | N/A | Yes | No | No | No | US Citizen | 1 | $869.04 | 0.000% | 0.000% | 0.000% | 09/02/2021 | 767 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.8 | N/A | No | 4.400% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294201 | N/A | Yes | No | No | No | US Citizen | 1 | $957.96 | 0.000% | 0.000% | 0.000% | 10/28/2021 | 782 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.7 | N/A | No | 4.325% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294202 | N/A | Yes | No | No | No | US Citizen | 1 | $2,328.00 | 0.000% | 0.000% | 0.000% | 09/30/2021 | 774 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.463% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294204 | N/A | Yes | No | No | No | US Citizen | 1 | $612.96 | 0.000% | 0.000% | 0.000% | 09/09/2021 | 705 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.038% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016632 | N/A | Yes | No | No | No | US Citizen | 1 | $2,118.00 | 0.000% | 0.000% | 0.000% | 11/03/2021 | 704 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.3 | Yes | No | 5.150% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294127 | N/A | Yes | No | No | No | US Citizen | US Citizen | 1 | $350.16 | 0.000% | 0.000% | 0.000% | 09/28/2021 | 741 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294153 | N/A | Yes | No | No | No | Permanent Resident Alien | 1 | $612.96 | 0.000% | 0.000% | 0.000% | 09/10/2021 | 787 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016637 | Non QM | Yes | No | $750.00 | $1,837.52 | 4.943% | No | No | Self-Employed | US Citizen | $5,434.40 | 1 | $1,209.48 | 32.113% | 32.113% | 32.113% | 10/01/2021 | 790 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying |
$750.00 | 3.140% | $0.00 | 1.0 | None | N/A | No | 4.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04943 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016641 | Non QM | Yes | No | $2,261.25 | $3,033.98 | 3.882% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,657.38 | 1 | $1,383.96 | 39.758% | 39.758% | 39.758% | 09/08/2021 | 778 | No | Yes | 12 | Business | 75.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - Year Not Available [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2017 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying |
$2,261.25 | 3.200% | $0.00 | DU | ApproveEligible | N/A | No | 3.750% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 0.03882 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294208 | N/A | Yes | No | $12,315.55 | $9,978.37 | 3.951% | No | No | Not Employed | Self-Employed | Self-Employed | 3.52 | US Citizen | US Citizen | $11,297.64 | 1 | $5,327.88 | 30.494% | 30.494% | 30.494% | 794 | 760 | 732 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 13 | Business | 100.000% | 50.000% | [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $12,315.55 | 3.100% | $0.00 | 2.2 | None | N/A | No | 3.700% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03951 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016631 | Non QM | Yes | No | $6,973.00 | $8,363.44 | 3.560% | No | No | Self-Employed | US Citizen | $11,761.00 | 1 | $3,146.76 | 18.326% | 18.326% | 18.326% | 08/31/2021 | 723 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $6,973.00 | 2.910% | $0.00 | None | N/A | No | 3.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.0356 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294249 | Non QM | Yes | No | $1,575.00 | $2,406.92 | 4.475% | No | No | Self-Employed | US Citizen | $27,090.87 | 1 | $1,559.76 | 7.388% | 7.388% | 7.388% | 09/27/2021 | 778 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $1,575.00 | 3.100% | $1,000.00 | 2.3 | None | No | No | 4.375% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 0.04475 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016633 | Non QM | Yes | No | $14,970.00 | $16,751.19 | 4.571% | No | No | Self-Employed | US Citizen | $7,123.28 | 1 | $3,744.96 | 44.493% | 44.493% | 44.493% | 08/23/2021 | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$14,970.00 | 3.060% | $0.00 | 1.0 | None | Yes | No | 4.300% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04571 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294254 | Non QM | Yes | No | $14,846.38 | $19,302.10 | 4.042% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,671.58 | 1 | $2,554.20 | 43.284% | 43.284% | 43.284% | 09/24/2021 | 767 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$14,846.38 | 3.100% | $0.00 | 1.0 | None | Yes | No | 3.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04042 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294256 | Non QM | Yes | No | $19,865.00 | $22,930.64 | 3.992% | No | No | Self-Employed | US Citizen | $26,269.28 | 1 | $1,479.96 | 20.902% | 20.902% | 20.902% | 10/27/2021 | 751 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$19,865.00 | 3.140% | $0.00 | 5.0 | None | No | No | 3.725% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03992 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294260 | Non QM | Yes | No | $3,254.00 | $4,225.85 | 5.688% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,360.88 | 1 | $3,114.96 | 43.814% | 43.814% | 43.814% | 10/04/2021 | 709 | No | No | [Borrower - Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; Paystubs - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; Paystubs - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 [Borrower - Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Borrower - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Borrower - Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Borrower - Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Borrower - Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Borrower - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Borrower - Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Borrower - Primary Income - S-Corp (>= 25%)]; W-2 - 2019 [Borrower - Primary Income - S-Corp (>= 25%)]; 1120S - 2018 [Borrower - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018 [Borrower - Primary Income - S-Corp (>= 25%)]; K-1 - 2018 [Borrower - Primary Income - S-Corp (>= 25%)]; W-2 - 2018 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Paystubs - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Paystubs - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; W-2 - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1120S - 2018 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; K-1 - 2018 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; W-2 - 2018 |
[Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; Transcripts (1040) - 2018 [Borrower]; 1040 - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 1040 - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; Transcripts (1040) - 2018 [Coborrower]; 1040 - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
3 Years Tax Returns | 0 | 0 | 0 | Income Method of Calculation QM DTI S-Corp Income Documentation Test S-Corp Income Documentation Test |
$3,254.00 | 2.930% | $0.00 | 1.0 | None | No | No | 5.650% | 3 | 3 | 3 | 0 | 2 | 3 | 0.00 | No | 0.05688 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016635 | Non QM | Yes | No | $11,495.00 | $15,724.17 | 3.879% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,474.42 | 1 | $1,197.00 | 38.738% | 38.738% | 38.738% | 10/13/2021 | 773 | Yes | Yes | 12 | Business | 32.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Non-Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Non-Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying Rental Income Documentation - 25% Method |
$11,495.00 | 3.140% | $0.00 | None | N/A | No | 3.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03879 | Other | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294261 | Non QM | Yes | No | $6,849.10 | $7,787.09 | 6.255% | No | No | Self-Employed | US Citizen | $2,010.51 | 1 | $1,493.04 | 47.019% | 47.019% | 47.019% | 09/21/2021 | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$6,849.10 | 3.060% | $0.00 | 1.0 | None | Yes | No | 5.825% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06255 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016636 | Non QM | Yes | No | $11,670.00 | $6,112.14 | 5.824% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,767.29 | 1 | $3,163.44 | 34.407% | 34.407% | 34.407% | 09/21/2021 | 643 | No | Yes | 24 | Business | 69.000% | 100.000% | Borrower Prepared | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Borrower-prepared P&L - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; The Work Number - Income - 2021 [Coborrower(s) - Primary Income - Wages]; VVOE - 2021 [Coborrower(s) - Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - No Results Returned - 2020 [Coborrower]; Account Transcripts - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Account Transcripts - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$11,670.00 | 3.140% | $0.00 | 3.2 | None | No | No | 5.625% | 0 | 2 | 0 | 0 | 3 | 2 | 24 | 0.00 | No | 0.05824 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294263 | Non QM | Yes | No | $18,973.00 | $6,314.72 | 4.035% | No | No | Self-Employed | US Citizen | $7,388.26 | 1 | $1,590.00 | 49.499% | 49.499% | 49.499% | 09/29/2021 | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$18,973.00 | 3.200% | $0.00 | 1.5 | None | N/A | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04035 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016638 | Non QM | Yes | No | $2,975.14 | $4,073.10 | 3.443% | No | No | Self-Employed | US Citizen | $16,430.92 | 1 | $1,399.20 | 12.806% | 12.806% | 12.806% | 09/06/2021 | 808 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $2,975.14 | 3.100% | $0.00 | 2.6 | None | N/A | No | 3.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03443 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294264 | Non QM | Yes | No | $17,245.00 | $20,025.08 | 3.718% | No | No | Self-Employed | US Citizen | $18,287.09 | 1 | $6,003.96 | 49.812% | 42.750% | 49.812% | 09/23/2021 | 765 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities - Revolving Other Income - Not to be used for qualifying QM Deferment of Principal |
$17,245.00 | 3.100% | $0.00 | 1.4 | None | N/A | No | 3.575% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03718 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016639 | Non QM | Yes | No | $4,960.00 | $5,520.60 | 4.718% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $2,525.63 | 1 | $1,854.00 | 40.559% | 40.559% | 40.559% | 09/22/2021 | 677 | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$4,960.00 | 3.040% | $0.00 | 1.2 | None | No | No | 4.275% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04718 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294266 | Non QM | Yes | No | $9,235.00 | $10,250.60 | 3.528% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,292.03 | 1 | $1,197.96 | 15.397% | 15.397% | 15.397% | 09/09/2021 | 769 | No | Yes | 13 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,235.00 | 3.100% | $0.00 | 1.0 | None | Yes | No | 3.325% | 0 | 0 | 0 | 0 | 3 | 0 | 13 | 0.00 | No | 0.03528 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294268 | Non QM | Yes | No | $12,013.75 | $15,037.00 | 4.803% | No | No | Self-Employed | US Citizen | $3,947.61 | 1 | $1,701.96 | 43.774% | 43.774% | 43.774% | 08/16/2021 | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$12,013.75 | 3.140% | $0.00 | 1.4 | None | Yes | No | 4.475% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04803 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294269 | N/A | Yes | No | $35,940.00 | $18,133.82 | 3.437% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $134,147.79 | 1 | $3,170.04 | 14.467% | 14.467% | 16.006% | 08/23/2021 | 776 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $35,940.00 | 2.930% | $0.00 | 2.3 | None | No | No | 3.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03437 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016640 | N/A | Yes | No | $20,955.00 | $11,265.66 | 3.446% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $137,037.11 | 1 | $1,692.00 | 12.625% | 12.625% | 13.480% | 08/23/2021 | 776 | No | Yes | 12 | Personal | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $20,955.00 | 2.930% | $0.00 | 1.7 | None | No | No | 3.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03446 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294270 | N/A | Yes | No | $19,417.50 | $10,751.84 | 3.450% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $137,770.00 | 1 | $1,050.12 | 12.158% | 11.388% | 12.158% | 08/23/2021 | 776 | No | Yes | 12 | Personal | 100.000% | 45.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $19,417.50 | 2.930% | $0.00 | 1.0 | None | Yes | No | 3.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0345 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294271 | Non QM | Yes | No | $18,985.00 | $12,029.30 | 3.717% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,470.73 | 1 | $1,526.28 | 49.246% | 36.912% | 49.246% | 08/30/2021 | 728 | No | Yes | 48 | Business | 79.000% | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Deferment of Principal QM Points and Fees 2021 |
$18,985.00 | 3.060% | $0.00 | None | Yes | No | 3.575% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.03717 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294274 | Non QM | Yes | No | $10,972.88 | $13,242.12 | 4.236% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $13,676.31 | 1 | $1,596.96 | 24.553% | 19.195% | 24.553% | 10/04/2021 | 772 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Loan Term |
$10,972.88 | 3.140% | $0.00 | 3.2 | None | Yes | No | 4.125% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04236 | 360 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294276 | N/A | Yes | No | $9,388.99 | $11,407.87 | 3.674% | No | No | Self-Employed | US Citizen | $8,126.85 | 1 | $810.96 | 46.955% | 46.955% | 46.955% | 10/22/2021 | 765 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | None | $9,388.99 | 3.200% | $0.00 | 1.0 | None | Yes | No | 3.500% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | 0.03674 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294277 | Non QM | Yes | No | $10,495.00 | $11,659.00 | 3.523% | No | No | Self-Employed | US Citizen | $7,760.36 | 1 | $2,500.68 | 43.327% | 43.327% | 43.327% | 08/30/2021 | 756 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$10,495.00 | 3.100% | $0.00 | None | N/A | No | 3.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03523 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294279 | Non QM | Yes | No | $19,652.50 | $6,811.80 | 5.875% | No | No | Self-Employed | US Citizen | $25,679.48 | 1 | $0.00 | 45.304% | 45.304% | 45.304% | 10/08/2021 | 686 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$19,652.50 | 3.100% | $0.00 | 1.0 | None | Yes | No | 5.841% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.05875 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294280 | Non QM | Yes | No | $495.00 | $3,657.11 | 4.881% | No | No | Employed | US Citizen | $17,793.91 | 1 | $7,467.96 | 38.992% | 38.992% | 38.992% | 09/22/2021 | 656 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM Employment History | $495.00 | 3.140% | $0.00 | 1.3 | None | No | No | 4.875% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | 0.04881 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294281 | Non QM | Yes | No | $15,437.78 | $16,745.10 | 4.165% | No | No | Self-Employed | Permanent Resident Alien | $9,117.65 | 1 | $2,378.76 | 40.231% | 40.231% | 40.231% | 09/21/2021 | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$15,437.78 | 3.140% | $0.00 | 3.2 | None | Yes | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04165 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294278 | Non QM | Yes | No | $13,475.26 | $6,976.04 | 5.461% | No | No | Self-Employed | US Citizen | $20,933.65 | 1 | $1,811.04 | 17.782% | 17.782% | 17.782% | 10/07/2021 | 761 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$13,475.26 | 3.140% | $0.00 | 1.0 | None | Yes | No | 5.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05461 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294284 | Non QM | Yes | No | $24,245.00 | $27,724.00 | 4.642% | No | No | Self-Employed | US Citizen | $27,834.22 | 1 | $1,955.04 | 38.595% | 30.638% | 38.595% | 10/27/2021 | 760 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$24,245.00 | 3.200% | $0.00 | 1.0 | None | Yes | No | 4.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04642 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294288 | Non QM | Yes | No | $17,984.00 | $15,346.41 | 3.320% | No | No | Self-Employed | US Citizen | $8,996.17 | 1 | $2,733.24 | 47.758% | 33.449% | 47.758% | 08/31/2021 | 807 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Loan Term |
$17,984.00 | 3.060% | $0.00 | 2.6 | None | N/A | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0332 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016643 | Non QM | Yes | No | $3,175.75 | $4,046.57 | 5.275% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $38,405.67 | 1 | $719.04 | 4.764% | 4.764% | 4.764% | 10/12/2021 | 681 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2017 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $3,175.75 | 2.910% | $10,000.00 | 2.6 | None | N/A | No | 5.050% | 0 | 0 | 0 | 0 | 4 | 2 | 12 | 0.00 | No | 0.05275 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294289 | N/A | Yes | No | $21,288.50 | $14,828.65 | 4.918% | No | No | Self-Employed | Permanent Resident Alien | $51,576.00 | 1 | $566.76 | 14.040% | 14.040% | 14.040% | 08/03/2021 | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $21,288.50 | 2.920% | $0.00 | None | N/A | No | 4.550% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 0.04918 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016642 | Non QM | Yes | No | $6,073.75 | $6,893.48 | 4.984% | No | No | Self-Employed | US Citizen | $5,169.31 | 1 | $678.96 | 25.574% | 25.574% | 25.574% | 10/15/2021 | 776 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2018 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$6,073.75 | 3.030% | $5,000.00 | 2.6 | None | N/A | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04984 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294290 | Non QM | Yes | No | $7,975.00 | $11,001.00 | 4.840% | No | No | Self-Employed | US Citizen | $5,696.65 | 1 | $597.24 | 37.186% | 37.186% | 37.186% | 09/09/2021 | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $7,975.00 | 3.140% | $0.00 | 3.5 | None | No | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0484 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016644 | Non QM | Yes | No | $19,495.00 | $20,232.50 | 3.935% | No | Yes | Self-Employed | Not Employed | US Citizen | US Citizen | $11,349.79 | 1 | $3,629.04 | 37.363% | 37.363% | 37.363% | 10/23/2021 | 777 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $19,495.00 | 3.140% | $0.00 | 4.9 | None | No | No | 3.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03935 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016645 | Non QM | Yes | No | $23,605.00 | $3,798.00 | 5.307% | No | No | Self-Employed | US Citizen | $16,311.48 | 1 | $1,798.92 | 23.575% | 23.575% | 23.575% | 09/03/2021 | 717 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$23,605.00 | 3.100% | $0.00 | 2.6 | None | No | No | 5.263% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.05307 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294291 | Non QM | Yes | No | $33,685.00 | $10,220.14 | 4.962% | No | No | Employed | Non-Permanent Resident Alien | $9,473.15 | 1 | $5,395.08 | 49.014% | 49.014% | 49.014% | 09/22/2021 | 741 | No | No | [Borrower - Primary Income - Wages]; Employer Letter - 2021 [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM DTI QM Employment History QM Points and Fees 2021 |
$33,685.00 | 3.030% | $0.00 | 2.6 | None | No | No | 4.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04962 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294292 | Non QM | Yes | No | $9,955.00 | $10,511.26 | 4.221% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $64,493.33 | 1 | $4,752.96 | 13.733% | 13.733% | 13.733% | 10/12/2021 | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,955.00 | 3.100% | $0.00 | 5.0 | None | No | No | 4.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04221 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294293 | Non QM | Yes | No | $26,955.00 | $14,657.78 | 3.656% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,712.91 | 1 | $3,813.00 | 36.601% | 36.601% | 36.601% | 10/19/2021 | 761 | No | Yes | 24 | Business | 72.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Non-Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Non-Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Pension]; 1099-R - 2020 [Coborrower(s) - Primary Income - Pension]; 1099-R - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Points and Fees 2021 Retirement Documentation |
$26,955.00 | 3.140% | $0.00 | 1.4 | None | N/A | No | 3.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03656 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294294 | Safe Harbor QM (APOR) | Yes | No | $1,295.00 | $3,041.80 | 3.400% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,883.70 | 1 | $4,404.00 | 46.662% | 46.662% | 46.662% | 10/08/2021 | 720 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; Paystubs - 2019 [Borrower - Primary Income - Wages]; W-2 - 2019 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2020 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2020 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2019 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Borrower - Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1040-ES - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1040-ES - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; W-2 - 2019 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 1040 - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2017 [Coborrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $1,295.00 | 3.200% | $0.00 | 2.6 | None | Yes | No | 3.375% | 2 | 2 | 2 | 0 | 4 | 2 | 0.00 | No | 0.034 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294295 | N/A | Yes | No | $9,329.75 | $11,408.99 | 4.722% | No | No | Self-Employed | US Citizen | $95,946.87 | 2 | $1,974.24 | 5.844% | 5.844% | 5.844% | 09/28/2021 | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,329.75 | 3.100% | $0.00 | None | No | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04722 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294298 | Non QM | Yes | No | $12,217.96 | $14,518.90 | 5.018% | No | No | Self-Employed | US Citizen | $14,531.22 | 1 | $1,884.00 | 20.574% | 20.574% | 20.574% | 11/02/2021 | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $12,217.96 | 3.140% | $0.00 | 1.0 | None | Yes | No | 4.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05018 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016646 | Non QM | Yes | No | $10,341.27 | $10,864.87 | 4.150% | No | No | Self-Employed | US Citizen | $1,915.49 | 1 | $2,640.00 | 41.796% | 41.796% | 41.796% | 10/21/2021 | 668 | No | Yes | 24 | Business | 70.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 Social Security Documentation |
$10,341.27 | 3.030% | $0.00 | 1.0 | None | N/A | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.0415 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294301 | Non QM | Yes | No | $7,895.00 | $9,638.84 | 5.895% | No | No | Self-Employed | US Citizen | $6,750.52 | 1 | $2,175.96 | 41.437% | 41.437% | 41.437% | 11/01/2021 | 665 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 3 | 0 | 0 | Other Income - Not to be used for qualifying | $7,895.00 | 3.200% | $0.00 | 1.0 | None | Yes | No | 5.675% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05895 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294303 | Non QM | Yes | No | $4,667.50 | $2,030.28 | 5.837% | No | No | Self-Employed | US Citizen | $4,370.08 | 1 | $1,891.68 | 37.038% | 37.038% | 37.038% | 11/26/2021 | 759 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $4,667.50 | 3.200% | $0.00 | 1.8 | None | Yes | No | 5.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05837 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294304 | Non QM | Yes | No | $17,490.35 | $19,115.72 | 6.074% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $13,711.23 | 1 | $4,851.00 | 49.886% | 43.423% | 49.886% | 09/24/2021 | 666 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM DTI |
$17,490.35 | 3.160% | $5,000.00 | 1.0 | None | No | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.06074 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294305 | Non QM | Yes | No | $16,003.39 | $7,092.73 | 6.565% | No | No | Self-Employed | US Citizen | $4,344.93 | 1 | $746.04 | 43.863% | 43.863% | 43.863% | 11/16/2021 | 709 | No | No | Borrower Prepared | [Borrower - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2020 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM DTI QM Points and Fees 2021 Sole Proprietorship Income Documentation Test |
$16,003.39 | 3.040% | $0.00 | 2.6 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 20.97 | No | 0.06565 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294306 | Non QM | Yes | No | $29,295.00 | $29,565.83 | 5.004% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $29,997.63 | 1 | $3,501.96 | 34.336% | 34.336% | 34.336% | 09/22/2021 | 720 | Yes | No | [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - Primary Income - Asset Depletion]; Other - 2020 [Coborrower(s) - Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying Rental Income Documentation - 25% Method |
$29,295.00 | 3.140% | $200,000.00 | 2.7 | None | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.05004 | Other | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016647 | Non QM | Yes | No | $83,995.00 | $84,820.00 | 4.441% | No | No | Self-Employed | US Citizen | $64,030.91 | 1 | $18,783.96 | 28.117% | 28.117% | 28.117% | 11/12/2021 | 752 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $83,995.00 | 3.040% | $0.00 | 4.8 | None | No | No | 4.200% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04441 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294307 | Non QM | Yes | No | $8,783.78 | $10,181.03 | 5.159% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $2,393.58 | 1 | $720.00 | 45.240% | 45.240% | 45.240% | 09/17/2021 | 746 | No | Yes | 12 | Personal | 35.000% | 100.000% | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Primary Income - Wages]; The Work Number - Income - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$8,783.78 | 3.030% | $7,000.00 | 1.0 | None | No | No | 4.875% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05159 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294308 | N/A | Yes | No | $6,974.99 | $7,804.68 | 5.837% | No | No | Self-Employed | US Citizen | $262,585.87 | 1 | $1,392.96 | 7.020% | 7.020% | 7.020% | 10/20/2021 | 709 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $6,974.99 | 3.030% | $0.00 | 1.0 | None | No | No | 5.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05837 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294309 | Non QM | Yes | No | $1,940.00 | $5,007.07 | 4.561% | No | No | Self-Employed | US Citizen | $6,079.39 | 1 | $1,097.04 | 45.176% | 45.176% | 45.176% | 09/10/2021 | 799 | No | Yes | 12 | Business | 100.000% | 50.000% | Borrower Prepared | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Borrower-prepared P&L - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$1,940.00 | 3.140% | $3,900.00 | 1.5 | None | No | No | 4.500% | 0 | 0 | 0 | 2 | 0 | 12 | 9.00 | No | 0.04561 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294310 | N/A | Yes | No | $10,606.13 | $12,110.07 | 3.383% | No | No | Self-Employed | US Citizen | $27,242.96 | 1 | $1,248.00 | 49.831% | 49.831% | 49.831% | 11/22/2021 | 774 | No | Yes | 12 | Personal | 93.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; 4506-C (for Business) - 2020 [Borrower - Non-Primary Income - Social Security]; Account Statements - 2021 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,606.13 | 2.930% | $0.00 | 1.0 | None | No | No | 3.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03383 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294311 | N/A | Yes | No | $9,135.60 | $10,382.86 | 3.435% | No | No | Self-Employed | US Citizen | $27,014.00 | 3 | $822.96 | 49.702% | 49.702% | 49.702% | 11/22/2021 | 774 | No | Yes | 12 | Personal | 94.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Non-Primary Income - Social Security]; Account Statements - 2021 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,135.60 | 2.930% | $0.00 | None | N/A | No | 3.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03435 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294312 | Non QM | Yes | No | $6,760.00 | $8,107.50 | 5.452% | No | No | Self-Employed | US Citizen | $5,395.83 | 1 | $751.20 | 39.699% | 39.699% | 39.699% | 09/08/2021 | 727 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying |
$6,760.00 | 3.140% | $500.00 | 1.0 | None | Yes | No | 5.200% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05452 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294315 | Non QM | Yes | No | $13,378.00 | $17,358.06 | 4.470% | No | No | Self-Employed | US Citizen | $4,831.36 | 1 | $700.80 | 43.638% | 43.638% | 43.638% | 10/26/2021 | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$13,378.00 | 3.160% | $0.00 | 1.0 | None | No | No | 4.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0447 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016649 | Non QM | Yes | No | $12,070.00 | $16,014.01 | 5.557% | No | No | Self-Employed | US Citizen | $3,629.04 | 1 | $2,045.04 | 42.986% | 42.986% | 42.986% | 10/22/2021 | 663 | No | No | Borrower Prepared | [Borrower - Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
2 Years Tax Returns | 0 | 0 | 0 | QM Employment History - Current Employment Documentation lacks Date Info Sole Proprietorship Income Documentation Test |
$12,070.00 | 3.140% | $40,000.00 | 1.0 | None | No | No | 5.250% | 0 | 2 | 0 | 3 | 1 | 22.97 | No | 0.05557 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294316 | N/A | Yes | No | $9,716.81 | $4,394.00 | 4.973% | No | No | Self-Employed | US Citizen | $18,245.37 | 1 | $972.96 | 14.793% | 14.793% | 14.793% | 10/27/2021 | 703 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2016 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,716.81 | 3.160% | $1,500.00 | 3.3 | None | No | No | 4.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04973 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016650 | Non QM | Yes | No | $16,099.48 | $18,714.75 | 5.265% | No | No | Self-Employed | US Citizen | $3,665.98 | 1 | $1,022.64 | 48.627% | 48.627% | 48.627% | 666 | No | Yes | 24 | Personal | 100.000% | 95.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$16,099.48 | 3.030% | $0.00 | 1.0 | None | No | No | 4.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.05265 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016651 | Non QM | Yes | No | $7,572.64 | $9,156.80 | 4.428% | No | No | Self-Employed | US Citizen | $2,913.49 | 1 | $966.96 | 39.916% | 39.916% | 39.916% | 11/09/2021 | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Expense Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2019 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$7,572.64 | 3.030% | $0.00 | None | N/A | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | 0.04428 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016652 | Non QM | Yes | No | $1,150.00 | $2,696.61 | 4.135% | No | No | Self-Employed | US Citizen | $28,902.57 | 1 | $11,471.04 | 33.155% | 33.155% | 33.155% | 10/13/2021 | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $1,150.00 | 3.200% | $0.00 | None | N/A | No | 4.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 0.04135 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294319 | Non QM | Yes | No | $7,655.00 | $8,958.00 | 4.821% | No | No | Self-Employed | US Citizen | $4,269.44 | 1 | $1,076.76 | 41.305% | 41.305% | 41.305% | 11/09/2021 | 739 | No | No | [Borrower - Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | Income Method of Calculation QM Employment History - Current Employment Documentation lacks Date Info QM Points and Fees 2021 Sole Proprietorship Income Documentation Test |
$7,655.00 | 3.140% | $0.00 | 2.6 | None | N/A | No | 4.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04821 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294320 | Non QM | Yes | No | $20,917.40 | $21,106.45 | 3.662% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,467.94 | 1 | $2,048.16 | 41.462% | 41.462% | 41.462% | 10/07/2021 | 775 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; CPA Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Other - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$20,917.40 | 3.060% | $0.00 | 1.0 | None | N/A | No | 3.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03662 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016653 | Non QM | Yes | No | $10,504.36 | $11,139.06 | 4.120% | No | No | Self-Employed | US Citizen | $8,393.56 | 1 | $2,157.00 | 23.976% | 23.976% | 23.976% | 09/30/2021 | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $10,504.36 | 3.140% | $0.00 | 1.0 | None | N/A | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.0412 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294322 | Non QM | Yes | No | $8,181.10 | $9,233.26 | 3.937% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $3,989.36 | 1 | $2,465.04 | 40.378% | 40.378% | 40.378% | 10/14/2021 | 752 | No | Yes | 12 | Business | 75.000% | 100.000% | [Borrower - Primary Income - Disability]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$8,181.10 | 3.140% | $0.00 | 1.0 | None | Yes | No | 3.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03937 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294323 | Non QM | Yes | No | $7,389.00 | $8,582.50 | 4.693% | No | No | Self-Employed | US Citizen | $5,358.71 | 1 | $2,070.00 | 29.544% | 29.544% | 29.544% | 10/28/2021 | 760 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $7,389.00 | 3.030% | $0.00 | 1.6 | None | N/A | No | 4.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04693 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016655 | Non QM | Yes | No | $9,805.00 | $11,538.50 | 4.462% | No | No | Self-Employed | Permanent Resident Alien | $12,101.73 | 1 | $2,468.04 | 23.148% | 23.148% | 23.148% | 10/28/2021 | 750 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,805.00 | 3.160% | $200.00 | 1.0 | None | No | No | 4.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04462 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294327 | N/A | Yes | No | $9,995.80 | $11,194.70 | 3.405% | No | No | Self-Employed | US Citizen | $30,360.09 | 3 | $1,155.60 | 44.817% | 44.817% | 44.817% | 11/22/2021 | 774 | No | Yes | 12 | Personal | 93.000% | [Borrower - Non-Primary Income - Social Security]; Account Statements - 2021 [Borrower - Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,995.80 | 2.920% | $0.00 | None | No | No | 3.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03405 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016657 | N/A | Yes | No | $15,838.75 | $18,522.51 | 4.726% | No | No | Not Employed | Self-Employed | 4.94 | US Citizen | $6,955.44 | 2 | $1,644.96 | 43.822% | 43.822% | 43.822% | 10/11/2021 | 746 | 755 | 708 | 746 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Coborrower(s) - Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Coborrower(s) - Non-Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Non-Primary Income - Wages]; VVOE - 2021 [Coborrower(s) - Non-Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - Non-Primary Income - Wages]; W-2 Transcript - 2020 [Coborrower(s) - Non-Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 |
Other | 0 | 0 | 0 | None | $15,838.75 | 3.030% | $0.00 | None | No | No | 4.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04726 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294328 | Non QM | Yes | No | $60,442.84 | $22,341.32 | 5.669% | No | No | Self-Employed | US Citizen | $17,188.77 | 1 | $4,863.00 | 49.581% | 49.581% | 49.581% | 09/15/2021 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities - Revolving Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$60,442.84 | 3.100% | $321,360.00 | 1.0 | None | No | No | 5.575% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05669 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294329 | Non QM | Yes | No | $17,822.76 | $20,138.19 | 4.968% | No | No | Self-Employed | US Citizen | $5,996.58 | 1 | $2,621.04 | 48.198% | 41.987% | 48.198% | 10/25/2021 | 689 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Loan Term QM Points and Fees 2021 |
$17,822.76 | 3.160% | $25,000.00 | 1.5 | None | No | No | 4.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04968 | 360 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294330 | Non QM | Yes | No | $8,535.00 | $10,480.68 | 4.987% | No | No | Self-Employed | US Citizen | $4,878.66 | 1 | $1,830.96 | 47.012% | 47.012% | 47.012% | 10/26/2021 | 727 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$8,535.00 | 3.160% | $0.00 | 4.3 | None | No | No | 4.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04987 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294331 | N/A | Yes | No | $19,661.01 | $17,152.92 | 3.542% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,968.44 | 1 | $1,152.96 | 26.728% | 26.728% | 26.728% | 11/09/2021 | 802 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | None | $19,661.01 | 3.160% | $2,500.00 | 2.6 | None | N/A | No | 3.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03542 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016660 | Non QM | Yes | No | $11,788.38 | $14,607.62 | 6.033% | No | No | Self-Employed | US Citizen | $10,383.43 | 1 | $1,079.04 | 29.336% | 29.336% | 29.336% | 11/19/2021 | 750 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $11,788.38 | 3.060% | $0.00 | None | No | No | 5.800% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.06033 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016662 | Non QM | Yes | No | $9,235.00 | $11,845.00 | 5.542% | No | No | Self-Employed | US Citizen | $4,665.43 | 1 | $680.04 | 42.896% | 42.896% | 42.896% | 10/04/2021 | 665 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,235.00 | 3.160% | $0.00 | 2.2 | None | Yes | No | 5.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.05542 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016664 | Non QM | Yes | No | $10,641.85 | $13,279.17 | 5.237% | No | No | Self-Employed | Permanent Resident Alien | $6,263.31 | 1 | $3,801.96 | 42.140% | 42.140% | 42.140% | 10/28/2021 | 681 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $10,641.85 | 3.030% | $0.00 | 3.3 | None | N/A | No | 5.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05237 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294334 | Non QM | Yes | No | $24,078.70 | $27,090.04 | 3.700% | No | No | Self-Employed | Permanent Resident Alien | $6,243.99 | 2 | $798.96 | 49.696% | 49.696% | 49.696% | 11/29/2021 | 808 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$24,078.70 | 3.200% | $0.00 | None | No | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.037 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294336 | Non QM | Yes | No | $6,092.56 | $2,658.35 | 5.000% | No | No | Self-Employed | US Citizen | $3,253.58 | 1 | $1,859.28 | 32.311% | 32.311% | 32.311% | 11/11/2021 | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$6,092.56 | 3.160% | $1,000.00 | 2.4 | None | Yes | No | 4.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294337 | Non QM | Yes | No | $25,154.84 | $17,661.40 | 5.461% | No | No | Self-Employed | US Citizen | $26,119.36 | 1 | $1,785.96 | 34.646% | 34.646% | 34.646% | 11/05/2021 | 689 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$25,154.84 | 3.160% | $25,000.00 | 2.6 | None | N/A | No | 5.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.05461 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016668 | Non QM | Yes | No | $8,815.00 | $12,639.35 | 4.005% | No | No | Self-Employed | US Citizen | $10,425.94 | 1 | $1,186.32 | 43.616% | 43.616% | 43.616% | 11/12/2021 | 808 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$8,815.00 | 3.160% | $0.00 | 1.0 | None | No | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04005 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016669 | Non QM | Yes | No | $4,633.50 | $6,522.75 | 5.462% | No | No | Employed | Employed | US Citizen | US Citizen | $6,084.81 | 1 | $2,684.52 | 35.909% | 35.909% | 35.909% | 11/04/2021 | 710 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Primary Income - Wages]; The Work Number - Income - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; VVOE - 2021 [Coborrower(s) - Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - Primary Income - Wages]; W-2 - 2019 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 1 | 0 | 0 | 0 | None | $4,633.50 | 3.160% | $0.00 | 1.0 | None | Yes | No | 5.250% | 2 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | 0.05462 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294339 | Non QM | Yes | No | $1,495.00 | $2,164.75 | 4.365% | No | No | Employed | US Citizen | $3,824.17 | 1 | $0.00 | 26.923% | 26.923% | 26.923% | 11/01/2021 | 686 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $1,495.00 | 3.030% | $0.00 | 1.2 | None | Yes | No | 4.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 0.04365 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294341 | Non QM | Yes | No | $19,265.00 | $24,967.15 | 5.020% | No | No | Self-Employed | US Citizen | $21,931.05 | 1 | $2,951.04 | 41.681% | 41.681% | 41.681% | 11/17/2021 | 683 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Rental Income Documentation - 25% Method |
$19,265.00 | 3.160% | $37,400.00 | None | N/A | No | 4.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.0502 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294342 | N/A | Yes | No | $36,042.40 | $16,265.55 | 5.248% | No | No | Employed | US Citizen | $8,580.31 | 1 | $3,474.96 | 21.006% | 21.006% | 21.006% | 10/15/2021 | 654 | No | No | [Borrower - Primary Income - Wages]; Employer Letter - 2021 [Borrower - Primary Income - Wages]; VVOE - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 [Borrower - Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; 1040 - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 1 | 0 | 0 | None | $36,042.40 | 3.140% | $0.00 | 1.9 | None | N/A | No | 5.125% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | 0.05248 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294343 | N/A | Yes | No | $30,823.00 | $21,241.26 | 5.425% | No | No | Employed | US Citizen | $20,121.25 | 3 | $3,240.00 | 25.374% | 25.374% | 25.374% | 12/09/2021 | 677 | No | No | [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; Paystubs - 2021 [Borrower - Primary Income - Wages]; WVOE - 2021 [Borrower - Primary Income - Wages]; W-2 - 2020 [Borrower - Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - Primary Income - Wages]; W-2 - 2019 [Borrower - Primary Income - Wages]; W-2 Transcript - 2019 [Borrower - Non-Primary Income - Wages]; Paystubs - 2021 [Borrower - Non-Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - Non-Primary Income - Wages]; WVOE - 2021 [Borrower - Non-Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $30,823.00 | 3.160% | $0.00 | None | No | No | 5.125% | 2 | 2 | 0 | 3 | 0 | 0.00 | No | 0.05425 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294346 | Non QM | Yes | No | $11,575.00 | $16,945.70 | 3.878% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,839.37 | 1 | $992.04 | 44.771% | 44.771% | 44.771% | 11/26/2021 | 733 | No | Yes | 12 | Business | 65.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - Primary Income - Wages]; The Work Number - Employment Only - 2021 [Coborrower(s) - Primary Income - Wages]; The Work Number - Income - 2021 [Coborrower(s) - Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - Primary Income - Wages]; W-2 Transcript - 2020 [Coborrower(s) - Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$11,575.00 | 3.160% | $8,500.00 | 1.0 | None | No | No | 3.750% | 0 | 2 | 0 | 0 | 3 | 2 | 12 | 0.00 | No | 0.03878 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016670 | Non QM | Yes | No | $8,470.00 | $9,545.00 | 4.281% | No | No | Self-Employed | US Citizen | $6,588.47 | 1 | $894.00 | 33.691% | 33.691% | 33.691% | 11/06/2021 | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$8,470.00 | 3.160% | $0.00 | 2.6 | None | N/A | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04281 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294351 | Non QM | Yes | No | $4,604.40 | $6,343.10 | 3.908% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $21,469.41 | 1 | $1,430.04 | 43.321% | 43.321% | 43.321% | 11/01/2021 | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$4,604.40 | 3.160% | $0.00 | 4.0 | None | No | No | 3.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03908 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294352 | Non QM | Yes | No | $19,632.11 | $7,196.77 | 6.325% | No | No | Self-Employed | US Citizen | $50,859.39 | 1 | $1,269.96 | 14.697% | 14.697% | 14.697% | 09/29/2021 | 674 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $19,632.11 | 3.160% | $0.00 | 1.1 | None | Yes | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.06325 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294355 | Non QM | Yes | No | $7,683.24 | $9,163.64 | 4.118% | No | No | Self-Employed | US Citizen | $6,630.24 | 1 | $714.48 | 49.580% | 49.580% | 49.580% | 11/16/2021 | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$7,683.24 | 3.160% | $0.00 | 1.0 | None | Yes | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04118 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294356 | Non QM | Yes | No | $12,270.88 | $13,036.48 | 5.160% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $18,720.17 | 1 | $4,578.00 | 23.062% | 23.062% | 23.062% | 11/04/2021 | 723 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$12,270.88 | 3.200% | $0.00 | 3.5 | None | No | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.0516 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016671 | Non QM | Yes | No | $13,015.00 | $14,191.50 | 5.335% | No | No | Self-Employed | US Citizen | $14,631.60 | 1 | $2,184.00 | 32.375% | 32.375% | 32.375% | 10/14/2021 | 692 | No | No | [Borrower - Primary Income - Sole Proprietor]; Other - 2021 [Borrower - Primary Income - Sole Proprietor]; 1099 - 2020 [Borrower - Non-Primary Income - Sole Proprietor]; Other - 2021 [Borrower - Non-Primary Income - Sole Proprietor]; 1099 - 2020 [Borrower - Non-Primary Income - Sole Proprietor]; Other - 2021 [Borrower - Non-Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | Income Method of Calculation Income Method of Calculation Income Method of Calculation QM Employment History - Current Employment Documentation lacks Date Info Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test |
$13,015.00 | 3.160% | $0.00 | None | N/A | No | 5.125% | 0 | 0 | 0 | 3 | 1 | 0.00 | No | 0.05335 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294359 | Non QM | Yes | No | $9,458.43 | $12,194.07 | 4.252% | No | No | Self-Employed | Permanent Resident Alien | $16,940.41 | 1 | $3,024.00 | 15.298% | 15.298% | 15.298% | 11/10/2021 | 742 | No | Yes | 12 | Personal | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; Other - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $9,458.43 | 3.160% | $0.00 | 1.5 | None | N/A | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04252 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016672 | Non QM | Yes | No | $8,495.00 | $9,691.75 | 3.985% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $36,909.36 | 1 | $1,572.96 | 32.298% | 32.298% | 32.298% | 10/12/2021 | 773 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Coborrower(s) - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$8,495.00 | 3.160% | $0.00 | 4.9 | None | No | No | 3.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.03985 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294362 | Non QM | Yes | No | $5,455.00 | $7,855.90 | 4.792% | No | No | Self-Employed | US Citizen | $14,268.75 | 1 | $989.76 | 19.141% | 19.141% | 19.141% | 10/29/2021 | 723 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $5,455.00 | 3.160% | $0.00 | 2.5 | None | N/A | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 0.04792 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016673 | Non QM | Yes | No | $7,945.88 | $9,433.60 | 6.280% | No | No | Self-Employed | Permanent Resident Alien | $4,237.82 | 1 | $1,266.96 | 42.272% | 42.272% | 42.272% | 09/22/2021 | 675 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$7,945.88 | 3.140% | $0.00 | 1.0 | None | Yes | No | 5.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 0.0628 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294368 | Non QM | Yes | No | $11,569.00 | $12,129.36 | 4.654% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,251.41 | 1 | $2,390.16 | 19.899% | 19.899% | 19.899% | 10/26/2021 | 679 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 1 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$11,569.00 | 3.030% | $0.00 | None | N/A | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04654 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294369 | Non QM | Yes | No | $6,695.00 | $7,486.88 | 4.938% | No | No | Self-Employed | Non-Permanent Resident Alien | $15,669.84 | 1 | $1,701.96 | 8.612% | 8.612% | 8.612% | 12/09/2021 | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Business - 2021 [Borrower - Primary Income - Bank Statements]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$6,695.00 | 3.160% | $0.00 | 3.0 | None | N/A | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04938 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294378 | Non QM | Yes | No | $10,375.00 | $14,470.44 | 4.054% | No | No | Self-Employed | US Citizen | $5,539.39 | 1 | $2,166.00 | 48.603% | 48.603% | 48.603% | 08/16/2021 | 805 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - Primary Income - Bank Statements]; Account Statements - Personal - 2021 [Borrower - Primary Income - Bank Statements]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$10,375.00 | 3.140% | $1,000.00 | 1.0 | None | N/A | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 0.04054 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294209 | N/A | Yes | No | No | No | US Citizen | US Citizen | 1 | $1,293.00 | 0.000% | 0.000% | 0.000% | 09/18/2021 | 754 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294250 | N/A | Yes | No | No | No | US Citizen | 2 | $3,699.00 | 0.000% | 0.000% | 0.000% | 10/15/2021 | 708 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.300% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294252 | N/A | Yes | No | No | No | US Citizen | 1 | $1,023.12 | 0.000% | 0.000% | 0.000% | 08/12/2021 | 733 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294253 | N/A | Yes | No | No | No | US Citizen | 1 | $2,128.32 | 0.000% | 0.000% | 0.000% | 09/23/2021 | 763 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 5.0 | No | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294255 | N/A | Yes | No | No | No | 0 | US Citizen | 2 | $1,356.96 | 0.000% | 0.000% | 0.000% | 08/30/2021 | 800 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294257 | N/A | Yes | No | No | No | US Citizen | 1 | $1,032.96 | 0.000% | 0.000% | 0.000% | 10/12/2021 | 777 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294258 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $608.16 | 0.000% | 0.000% | 0.000% | 09/28/2021 | 811 | 809 | 815 | 811 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294259 | N/A | Yes | No | No | No | Foreign National | Foreign National | 1 | $1,606.32 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.338% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294262 | N/A | Yes | No | No | No | 0 | US Citizen | 4 | $0.00 | 0.000% | 0.000% | 0.000% | 11/03/2021 | 753 | 717 | 759 | 753 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 3.800% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294265 | N/A | Yes | No | No | No | US Citizen | 2 | $1,775.76 | 0.000% | 0.000% | 0.000% | 10/06/2021 | 749 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294267 | N/A | Yes | No | No | No | US Citizen | 4 | $12,864.96 | 0.000% | 0.000% | 0.000% | 11/01/2021 | 785 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294272 | N/A | Yes | No | No | No | US Citizen | 4 | $1,809.00 | 0.000% | 0.000% | 0.000% | 10/07/2021 | 737 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.867% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294273 | N/A | Yes | No | No | No | US Citizen | 4 | $1,809.00 | 0.000% | 0.000% | 0.000% | 10/07/2021 | 737 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.869% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294275 | N/A | Yes | No | No | No | US Citizen | US Citizen | 4 | $2,681.88 | 0.000% | 0.000% | 0.000% | 10/18/2021 | 731 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294282 | N/A | Yes | No | No | No | US Citizen | 1 | $498.00 | 0.000% | 0.000% | 0.000% | 09/27/2021 | 771 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294283 | N/A | Yes | No | No | No | US Citizen | 1 | $3,729.96 | 0.000% | 0.000% | 0.000% | 11/17/2021 | 786 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.4 | No | No | 3.888% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294285 | N/A | Yes | No | No | No | Permanent Resident Alien | 1 | $1,143.96 | 0.000% | 0.000% | 0.000% | 09/10/2021 | 804 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.8 | Yes | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294286 | N/A | Yes | No | No | No | US Citizen | 1 | $4,433.04 | 0.000% | 0.000% | 0.000% | 10/26/2021 | 732 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294287 | N/A | Yes | No | No | No | US Citizen | US Citizen | 1 | $1,098.84 | 0.000% | 0.000% | 0.000% | 10/01/2021 | 796 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294296 | N/A | Yes | No | No | No | US Citizen | US Citizen | 4 | $1,340.88 | 0.000% | 0.000% | 0.000% | 10/25/2021 | 765 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.025% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294297 | N/A | Yes | No | No | No | US Citizen | US Citizen | 4 | $3,017.04 | 0.000% | 0.000% | 0.000% | 10/25/2021 | 765 | No | No | Other | 1 | 0 | 0 | 0 | No | $0.00 | No | No | 4.025% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294299 | N/A | Yes | No | No | No | US Citizen | 1 | $1,067.04 | 0.000% | 0.000% | 0.000% | 10/29/2021 | 781 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294300 | N/A | Yes | No | No | No | US Citizen | US Citizen | 3 | $1,899.24 | 0.000% | 0.000% | 0.000% | 11/03/2021 | 731 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294302 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $1,823.04 | 0.000% | 0.000% | 0.000% | 09/16/2021 | 743 | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.775% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294313 | N/A | Yes | No | No | No | US Citizen | 1 | $890.04 | 0.000% | 0.000% | 0.000% | 09/21/2021 | 743 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016648 | N/A | Yes | No | No | No | US Citizen | 2 | $6,916.80 | 0.000% | 0.000% | 0.000% | 10/21/2021 | 756 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.100% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294314 | N/A | Yes | No | No | No | US Citizen | 1 | $751.32 | 0.000% | 0.000% | 0.000% | 09/24/2021 | 709 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.6 | No | No | 4.175% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294317 | N/A | Yes | No | No | No | US Citizen | 1 | $993.96 | 0.000% | 0.000% | 0.000% | 10/27/2021 | 704 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.1 | Yes | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294318 | N/A | Yes | No | No | No | US Citizen | 1 | $1,169.04 | 0.000% | 0.000% | 0.000% | 10/27/2021 | 704 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294321 | N/A | Yes | No | No | No | US Citizen | US Citizen | 3 | $799.44 | 0.000% | 0.000% | 0.000% | 10/18/2021 | 731 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016654 | N/A | Yes | No | No | No | US Citizen | US Citizen | 4 | $1,834.68 | 0.000% | 0.000% | 0.000% | 11/03/2021 | 731 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.11 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294324 | N/A | Yes | No | No | No | US Citizen | 1 | $780.48 | 0.000% | 0.000% | 0.000% | 10/19/2021 | 739 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294325 | N/A | Yes | No | No | No | US Citizen | 1 | $1,685.04 | 0.000% | 0.000% | 0.000% | 11/09/2021 | 793 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 4.0 | N/A | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016656 | N/A | Yes | No | No | No | US Citizen | US Citizen | 4 | $2,759.16 | 0.000% | 0.000% | 0.000% | 10/12/2021 | 787 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 3.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.32 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294326 | N/A | Yes | No | No | No | US Citizen | 1 | $581.04 | 0.000% | 0.000% | 0.000% | 10/26/2021 | 741 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016658 | N/A | Yes | No | No | No | US Citizen | 1 | $966.36 | 0.000% | 0.000% | 0.000% | 10/25/2021 | 674 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016661 | N/A | Yes | No | No | No | US Citizen | 1 | $474.96 | 0.000% | 0.000% | 0.000% | 11/12/2021 | 790 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294332 | N/A | Yes | No | No | No | US Citizen | 1 | $9,911.76 | 0.000% | 0.000% | 0.000% | 11/12/2021 | 767 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294333 | N/A | Yes | No | No | No | US Citizen | 1 | $230.04 | 0.000% | 0.000% | 0.000% | 10/25/2021 | 731 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 3.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016663 | N/A | Yes | No | No | No | US Citizen | 1 | $2,225.04 | 0.000% | 0.000% | 0.000% | 09/30/2021 | 679 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016665 | N/A | Yes | No | No | No | US Citizen | 2 | $1,456.20 | 0.000% | 0.000% | 0.000% | 10/12/2021 | 725 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016666 | N/A | Yes | No | No | No | US Citizen | Permanent Resident Alien | 1 | $660.12 | 0.000% | 0.000% | 0.000% | 11/19/2021 | 793 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.7 | No | No | 3.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016667 | N/A | Yes | No | No | No | Foreign National | 1 | $1,413.00 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294338 | N/A | Yes | No | No | No | US Citizen | 2 | $2,632.68 | 0.000% | 0.000% | 0.000% | 11/09/2021 | 751 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294340 | N/A | Yes | No | No | No | 0 | 0 | US Citizen | US Citizen | 2 | $1,754.28 | 0.000% | 0.000% | 0.000% | 10/29/2021 | 721 | 727 | 732 | 682 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294344 | N/A | Yes | No | No | No | US Citizen | 1 | $2,696.04 | 0.000% | 0.000% | 0.000% | 12/02/2021 | 766 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294345 | N/A | Yes | No | No | No | US Citizen | 1 | $803.76 | 0.000% | 0.000% | 0.000% | 12/10/2021 | 761 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294347 | N/A | Yes | No | No | No | 0 | US Citizen | US Citizen | 2 | $1,304.04 | 0.000% | 0.000% | 0.000% | 11/15/2021 | 761 | 783 | 789 | 786 | Level 1-Not Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294348 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $5,931.96 | 0.000% | 0.000% | 0.000% | 11/02/2021 | 779 | 769 | 779 | 781 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.5 | Yes | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294349 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $803.04 | 0.000% | 0.000% | 0.000% | 11/15/2021 | 751 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294353 | N/A | Yes | No | No | No | 0 | US Citizen | 1 | $1,011.96 | 0.000% | 0.000% | 0.000% | 11/15/2021 | 751 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294354 | N/A | Yes | No | No | No | US Citizen | US Citizen | 4 | $2,710.20 | 0.000% | 0.000% | 0.000% | 10/26/2021 | 770 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294357 | N/A | Yes | No | No | No | Permanent Resident Alien | 3 | $1,355.40 | 0.000% | 0.000% | 0.000% | 09/23/2021 | 738 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294365 | N/A | Yes | No | No | No | Permanent Resident Alien | 1 | $2,208.96 | 0.000% | 0.000% | 0.000% | 09/28/2021 | 707 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.6 | No | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016674 | N/A | Yes | No | No | No | US Citizen | 1 | $1,311.00 | 0.000% | 0.000% | 0.000% | 10/06/2021 | 721 | No | No | Other | 1 | 0 | 0 | No | $0.00 | 3.1 | N/A | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294366 | N/A | Yes | No | No | No | US Citizen | 1 | $2,438.04 | 0.000% | 0.000% | 0.000% | 12/01/2021 | 650 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294370 | N/A | Yes | No | No | No | US Citizen | 2 | $2,100.00 | 0.000% | 0.000% | 0.000% | 11/18/2021 | 801 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 436294371 | N/A | Yes | No | No | No | US Citizen | 1 | $1,598.76 | 0.000% | 0.000% | 0.000% | 11/11/2021 | 776 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 437016675 | N/A | Yes | No | No | No | US Citizen | 1 | $3,294.96 | 0.000% | 0.000% | 0.000% | 08/12/2021 | 788 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 240 |