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.6 Schedule 5

 

ASF Loan Number Loan ID Seller Loan ID Investor Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
215135773 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.877 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 51552.65 N/A Employed   No   No  
215148180 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.383 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6299.1 N/A Employed   No   No  
214808388 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 35627.9 Yes Employed   No   Yes Present
9733151113 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No Yes No No No No Not Tested 0 7.205 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7437.78 N/A Employed   No   No  
9704448829 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.124 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14113.77 Yes Retired Retired No No No  
9721644640 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.748 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2957.73 N/A Employed   No   No  
9763122513 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.165 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4772.31 N/A Employed   No   No  
9764890514 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 8.084 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5877.68 Yes Employed   No   No  
9767935696 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 8.064 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 116526.92 N/A Employed   No   No  
9769275034 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 10.24 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2248.56 Yes Employed   No   No  
9770862747 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.563 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10806.39 N/A Employed Retired No No No  
9776954381 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 8.337 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5448.36 Yes Employed Employed No No No  
9789119667 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.993 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 2981.87 N/A Retired Retired No No No  
215072265 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.461 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4658.87 Yes Employed   No   No  
215136375 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 27162.42 N/A Not Employed Employed No No Yes Present
9723848777 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 8.872 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5847.91 Yes Employed Employed No No No  
9738583781 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 7788.29 N/A Employed Not Employed No No Yes Present
9720759415 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 17221.72 N/A Employed   No   Yes Present
9738032292 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9732621991 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9725667290 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9780321163 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9704437103 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 8.205 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16784.44 N/A Employed   No   No  
9718786370 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.993 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 411995.43 N/A Employed   No   No  
215248758 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.505 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7775.2 N/A Employed   No   No  
215363458 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 8.175 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10876.16 N/A Employed Employed No No No  
9706265361 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.306 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8108.2 N/A Employed   No   No  
9707207370 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 9.269 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11028.07 N/A Employed   No   No  
9731613312 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.475 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16675.53 N/A Employed   No   No  
215285321 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 17063.18 N/A Employed Employed No No Yes Present
9742274435 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.839 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35750.09 N/A Employed   No   No  
215150848 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9716619334 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.551 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2919.74 Yes Employed   No   No  
9723143906 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.99 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8042.27 N/A Employed Retired No No No  
9769712333 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.432 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11165.51 N/A Employed Employed No No No  
9789903474 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 89587.12 N/A Employed   No   No  
9719266398 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9724811337 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9725056957 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9727011356 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9750061732 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9751166506 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9757020145 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9759423701 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9761361360 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9775644942 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9717215694 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
215101601 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.993 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60047.37 Yes Employed   No   No  
9724918355 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.501 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24746.77 N/A Employed   No   No  
9785502072 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.513 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6381.78 N/A Employed   No   No  
215215146 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.702 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 21006.07 N/A Not Employed Retired No No No  
9713888544 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.664 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11712.19 N/A Employed   No   No  
9719892383 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 8.264 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31032.72 N/A Employed   No   No  
9727458979 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.711 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6366.28 Yes Employed   No   No  
9727603087 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 42215.85 N/A Employed   No   Yes Present
9728005308 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.996 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 66632.7 N/A Employed   No   No  
9739281492 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 8.168 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6372.58 Yes Employed Employed No No No  
9740090387 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.2 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3683.58 Yes Not Employed Not Employed No No No  
9746503656 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.475 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17661.43 N/A Employed Employed No No No  
9751398893 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 29926.76 N/A Employed   No   Yes Present
9757459251 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 9.33 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2693.86 N/A Employed   No   No  
9765226395 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.462 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19682.68 N/A Employed   No   No  
9773888012 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 9.911 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5405.56 N/A Employed   No   No  
9784144546 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 8.136 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4092.61 N/A Employed   No   No  
9786339615 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 9.394 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32634.15 N/A Employed Employed No No No  
9793562092 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No Yes No No No No Not Tested 0 8.586 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10371.29 N/A Employed Employed No No No  
9776844582 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No Yes No No No   0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9758499777 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9772270576 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9784336845 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9716018081 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9755647246 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9762293554 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9748820827 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9757589974 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9786412982 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9759576243 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9705217801 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.203 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28958.25 N/A Employed   No   No  
9763444990 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 9.89 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32974.33 N/A Employed Not Employed No No No  
9723507449 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.65 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4284.18 N/A Employed   No   No  
215232125 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.327 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 N/A Not Employed Not Employed No No No  
215260555 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 8.073 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17394.78 N/A Employed   No   No  
215267600 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.301 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 3940.81 N/A Not Employed   No   No  
9705726488 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 78098.99 N/A Employed Retired No No Yes Present
9720070045 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.383 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14164.4 N/A Employed   No   No  
9722965101 XX     XX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 25174.88 N/A Employed Not Employed No No Yes Present
9746450684 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.894 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2486.07 N/A Employed   No   No  
9747031988 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.457 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 49320.66 N/A Employed   No   No  
9753979906 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.321 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17314.84 N/A Employed Employed No No No  
9783483754 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.356 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10503.36 N/A Employed   No   No  
9787671032 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.282 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5121.74 N/A Employed Employed No No No  
9793380230 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.773 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17820.26 N/A Employed   No   No  
9793987778 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.988 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23047.94 N/A Employed Retired No No No  
9797257574 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.509 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15769.38 N/A Employed   No   No  
9718246979 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.977 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5551.57 N/A Employed   No   No  
9723830874 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.817 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19652.07 N/A Employed   No   No  
9730723963 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 8.296 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22781.48 N/A Employed   No   No  
9742781181 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No Yes No No No No Not Tested 0 9.939 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 188834.34 N/A Retired Employed No No No  
215225020 XX     XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 9.534 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39135.53 N/A Employed Employed No No No  
9735769979 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9747783067 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9766826243 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9746643049 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9753966176 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9761129395 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9772663218 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
215255761 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9722088565 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9723797396 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9737539610 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9743238306 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9749621471 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9752691197 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9754236579 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9759416093 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9761485946 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9764870128 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9772899200 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9791946537 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
215184425 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9718337943 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9755178804 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
9792288202 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
9717078274 XX     XX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present