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.5 Schedule 6

 

Marketing ID 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?
900000007 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 7.757 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6865.27 N/A Employed No No
900000008 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 8.395 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30216.83 N/A Employed No No
900000009 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 7.038 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 46152.87 N/A Retired Employed No No No
900000011 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 6.636 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37688.5 N/A Employed Employed No No No
900000014 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 4485.58 N/A Employed No Yes Present
900000017 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 7.238 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22684.64 N/A Employed Employed No No No
900000018 XX XX QM: Safe Harbor APOR (APOR SH) Non-QM: Lender documented all ATR UW factors Yes Not Tested No No No No No No No No No Not Tested 0 6.897 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12899.72 N/A Employed Employed No No No
900000020 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
900000022 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 8.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19589.17 Yes Employed Employed No No No
900000030 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 9.642 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18972.06 N/A Employed No No
900000032 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
900000035 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 7.043 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 51456.39 N/A Employed Not Employed No No No
900000037 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 6.797 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3579.73 Yes Employed Not Employed No No No
900000038 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
900000039 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 7.08 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19264.59 N/A Employed Employed No No
900000043 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 19820.04 N/A Employed No Yes Present
900000044 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 6.574 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35295.04 N/A Employed Employed No No No
900000048 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
900000051 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 7.194 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9429.97 N/A Employed Not Employed No No No
900000052 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 20784.02 N/A Employed Employed No No Yes Present
900000055 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 11303.9 N/A Employed No Yes Present
900000056 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 6.631 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15777.56 N/A Employed No No
900000062 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 6.961 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12274.66 Yes Employed Employed No No No
900000065 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 8.704 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11237.63 N/A Employed No No
900000066 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 6.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5750.11 Yes Employed Employed No No No
900000068 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 7.083 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 43279.02 N/A Employed No No
900000075 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
900000077 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
900000080 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 20643.48 Yes Employed No Yes Present
900000085 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
900000090 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 7.405 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22337.13 N/A Retired Retired No No No
900000095 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 7.512 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12433.65 N/A Employed No No
900000096 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 6155.74 N/A Employed No Yes Present
900000097 XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No Yes 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 52508.26 N/A Not Employed Employed No No Yes Present
900000098 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 8224.88 N/A Employed Employed No No Yes Present
900000101 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
900000102 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 24843.79 N/A Employed No Yes Present
900000104 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 6.957 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23988.89 N/A Employed No No
900000105 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 6.77 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 308871.14 N/A Employed Not Employed No No No
900000106 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 7.11 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 49376.33 N/A Employed Employed No No No
900000109 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 7.785 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5277.72 N/A Retired Retired No No No
900000112 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
900000113 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 6.533 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28611.78 N/A Employed Employed No No No
900000115 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 6.815 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16983.72 N/A Employed No No
900000120 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
900000121 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 8.803 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3636.49 N/A Employed No No
900000125 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 7.414 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7973.36 N/A Employed No No
900000130 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 6.854 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2086.57 N/A Employed No No
900000132 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
900000134 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 7.217 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6117.67 N/A Employed Employed No No No
900000137 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
900000138 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
900000141 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
900000145 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 7.183 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7758.23 N/A Employed Not Employed No No No
900000148 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 7.131 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31564.69 N/A Employed No No
900000149 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 6.846 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9927.98 N/A Employed Employed No No No
900000153 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
900000155 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 7.529 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13446.7 N/A Employed No No
900000164 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
900000165 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 6.817 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7171 N/A Employed Not Employed No No No
900000169 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
900000170 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
900000173 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 7.151 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9632.16 N/A Employed No No
900000181 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 7.883 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4274.65 N/A Employed Employed No No No
900000183 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
900000187 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 7.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 38320.11 N/A Employed No No
900000197 XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No Yes 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 6190.38 N/A Employed Employed No No Yes Present
900000200 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
900000201 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
900000202 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 6.829 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15443.91 N/A Employed No No
900000206 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 11471.55 N/A Employed No Yes Present
900000207 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
900000208 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 7.067 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11350.48 N/A Employed No No
900000210 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 9.134 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9498.72 Yes Employed No No
900000211 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
900000215 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 7.032 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes N/A Employed No No
900000219 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 8.875 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15358.13 N/A Retired Employed No No No
900000224 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 8.445 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 94395.37 N/A Employed No No
900000232 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
900000239 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 7.188 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6851.91 Yes Employed No No
900000245 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
900000247 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
900000264 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 7.109 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12945.72 N/A Employed No No
900000265 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 6.395 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2984.4 N/A Employed No No
900000272 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 8.041 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 465410.38 N/A Employed Not Employed No No No
900000273 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 7.399 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 56429.88 N/A Employed No No
900000275 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
900000276 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 7.139 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1979.74 Yes Employed No No
900000279 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 7.423 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14894.16 N/A Employed No No
900000282 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 8.592 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 48645.5 N/A Employed No No
900000284 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 6.9 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8715.36 N/A Employed Not Employed No No No
900000285 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 6.577 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 54720.82 N/A Employed No No
900000295 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 7.751 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42248.95 N/A Employed Not Employed No No No
900000298 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 6.202 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21569.39 N/A Employed No No
900000307 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 7.338 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8740.51 N/A Employed Employed No No No
900000312 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
900000313 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 7.121 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1689.32 N/A Employed No No
900000317 XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No No No No No No No No No Not Tested 0 7.489 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 25641.2 N/A Employed Employed No No Yes Present
900000320 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
900000321 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 3053.91 N/A Employed No Yes Present
900000324 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
900000328 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 6.635 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25901.94 N/A Employed No No
900000329 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
900000330 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 7.391 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17327.68 N/A Employed No No
900000331 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 7618 N/A Employed No Yes Present
900000333 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 7.007 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27027.48 N/A Employed No No
900000337 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
900000338 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 7.869 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7298.44 N/A Employed No No
900000349 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 7.152 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 164047.75 N/A Employed No No
900000351 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
900000355 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 6.778 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4238 N/A Employed No No
900000356 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 4840.67 N/A Employed No Yes Present
900000357 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
900000362 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
900000363 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 7.552 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6612.49 N/A Employed No No
900000364 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 7.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3833.14 Yes Employed Retired No No No
900000366 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
900000368 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
900000370 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 6.816 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10108.23 N/A Employed Retired No No No
900000371 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 7.625 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9069.39 N/A Employed No No
900000372 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
900000374 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 7.47 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20124.23 N/A Employed No No
900000377 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
900000379 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
900000382 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 6.96 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 85951.74 N/A Employed No No
900000384 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 5272.42 N/A Employed No Yes Present
900000391 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
900000393 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 7.56 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3637.95 N/A Employed No No
900000395 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 N/A Employed Employed No No Yes Present
900000399 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 7.62 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11030.26 N/A Employed No No
900000403 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 6.834 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6258.64 N/A Retired No No
900000404 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
900000405 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 7.64 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12545.11 N/A Employed No No
900000406 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
900000407 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 7.169 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19277.88 N/A Employed No No
900000410 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 39472.29 N/A Employed No Yes Present
900000411 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 7.569 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8232.34 Yes Employed No No
900000413 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
900000415 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
900000416 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 16569.26 N/A Employed No Yes Present
900000421 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 7.139 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4670.71 N/A Retired No No
900000422 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 9.17 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10179.88 N/A Employed No No
900000424 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
900000428 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 7.332 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7936.87 N/A Employed Not Employed No No No
900000429 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
900000430 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 10781.77 N/A Employed Employed No No Yes Present
900000433 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
900000435 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 7.503 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2321.71 Yes Employed No No
900000438 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
900000439 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
Removed from deal 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 6.876 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41860.41 Yes Retired No No
900000446 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 6.794 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6250.89 N/A Employed No No
Removed from deal 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
900000452 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
900000456 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
900000463 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 6.529 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13637.36 N/A Employed No No
900000466 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 7709.28 N/A Employed No Yes Present
900000470 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
900000471 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 19286.82 N/A Employed Employed No No Yes Present
900000475 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 6.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3345.88 Yes Employed No No
900000480 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 6.909 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 52360.21 N/A Employed No No
900000481 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
900000483 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 6.597 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25447.3 N/A Employed Employed No No No
900000484 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 7.524 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 204169.19 N/A Employed No No
900000487 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 8.038 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 101172.71 N/A Employed No No
900000492 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
900000493 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 6.633 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22741.38 N/A Retired Employed No No No
900000497 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
900000500 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
900000505 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
900000508 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
900000509 XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes No No No No No No No No Not Tested 0 7.705 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 11190.48 N/A Employed No Yes Present
900000523 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 7.002 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 330248.89 N/A Employed Employed No No No
900000524 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
900000528 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 6.715 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14058.18 Yes Employed No No
900000529 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 7.08 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1283.18 Yes Retired No No
900000531 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 7.194 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes N/A Employed No No
900000536 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
900000539 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
900000540 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 7.113 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10464.64 N/A Employed No No
900000542 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
900000543 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
900000546 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 7.121 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60868.47 N/A Employed No No
900000547 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 8.408 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25577.16 N/A Employed Employed No No No
900000549 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 8.251 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4560.01 N/A Employed No No
900000550 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 6.805 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4810.99 N/A Employed No No
900000551 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
900000553 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 7.592 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4527.88 Yes Employed No No
900000557 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 7.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5562.02 N/A Employed Employed No No No
900000565 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 6.911 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 44572.49 N/A Employed Not Employed No No No
900000566 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 7.346 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 188250.54 N/A Employed No No
900000570 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 8.25 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 49203.49 N/A Employed Employed No No No
900000575 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
900000580 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 7.621 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3820.88 Yes Employed No No
900000582 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 6.824 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 57581.77 N/A Employed No No
900000584 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 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15818.79 N/A Employed No No
900000586 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 6.689 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 489960.78 N/A Employed No No
900000589 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
900000594 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
900000596 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 9.276 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7145.58 N/A Employed No No
900000600 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
900000606 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 6.739 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8696.48 N/A Employed No No
900000610 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 6.73 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6077.27 N/A Retired No No
900000612 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 6.867 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21863.63 N/A Retired No No
900000617 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 7.343 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4395.88 N/A Employed Retired No No No
900000622 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
900000625 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
900000627 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
900000628 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 6.883 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34619.91 N/A Employed No No
900000630 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 7.816 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4651.21 N/A Employed No No
900000631 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
900000632 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 7.252 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 98958.69 N/A Employed Not Employed No No No
900000633 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 6.723 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 67942.87 N/A Employed No No
900000635 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
900000639 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 20019.63 N/A Employed No Yes Present
900000649 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 7.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4948.46 N/A Employed No No
900000652 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
900000654 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 7.266 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42867.71 N/A Employed Retired No No No
900000655 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 Yes No No Not Tested 0 6.971 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27565.76 N/A Employed No No
900000656 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
900000657 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 7.723 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10085.3 N/A Employed No No
900000658 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 7.972 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9174 N/A Employed No No
900000659 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
900000661 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 4609.9 Yes Employed No Yes Present
900000665 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
900000668 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
900000671 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
900000677 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
900000678 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 7.499 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32257.83 N/A Employed No No
900000679 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
900000684 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 6.751 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5655.03 Yes Employed No No
900000688 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 8.51 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7912.95 N/A Employed No No
900000694 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
900000697 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 8.307 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 285083.71 N/A Employed No No
900000699 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
900000705 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
900000710 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 6.985 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6082.8 Yes Employed No No
900000711 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 7.365 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9392.49 N/A Employed Employed No No No
900000716 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
900000719 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
900000722 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
900000727 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 6.96 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19239.34 N/A Employed No No
900000728 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 14598.2 Yes Employed No Yes Present
900000729 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 8.172 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes N/A Employed No No
900000730 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 6.782 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4633.75 N/A Employed No No
900000731 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 55438.85 N/A Employed Not Employed No No Yes Present
900000732 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 12246.34 N/A Employed Employed No No Yes Present
900000734 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
900000735 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 6.798 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 48146.48 N/A Retired Retired No No No
900000737 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
900000748 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 6.729 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16027.95 Yes Retired No No
900000749 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 8.073 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3979.28 N/A Employed No No
900000750 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 7.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 94235.37 N/A Employed Not Employed No No No
900000751 XX XX ATR/QM: Not Applicable ATR/QM: Exempt Yes 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 9030.12 N/A Employed No Yes Present
900000757 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 10275.11 N/A Employed No Yes Present
900000764 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 6.674 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25771.69 N/A Employed No No
900000768 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
900000771 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
900000773 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
900000775 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 40409.58 N/A Employed No Yes Present
900000776 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
900000777 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
900000780 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
900000781 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 7.403 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 72500.08 N/A Employed No No
900000783 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
900000789 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 7.678 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14814.47 N/A Employed No No
900000790 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 7583.56 N/A Employed Employed No No Yes Present
900000791 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 7.002 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23775.39 N/A Employed Retired No No No
900000794 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
900000800 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 12635.22 N/A Employed Employed No No No
900000803 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
900000809 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 7.74 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4883.03 N/A Employed Employed No No No
900000810 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 6.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17091.7 N/A Employed No No
900000813 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 42718.84 N/A Employed No Yes Present
900000816 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
900000817 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 7.359 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10750.84 N/A Retired No No
900000819 XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No Yes 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 303053.52 N/A Employed Not Employed No No Yes Present
900000820 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
900000821 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
900000822 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 7.062 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41776.6 N/A Employed No No
900000823 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 7.637 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4698.21 N/A Employed Not Employed No No No
Removed from deal 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
900000827 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
900000829 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 8.254 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6012.94 N/A Employed No No
900000833 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 6.964 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14704.11 Yes Employed Retired No No No
900000839 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 7.088 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5550.47 N/A Employed No No
900000844 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 9.016 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23365.33 N/A Employed No No
900000845 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 9.231 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6618.7 N/A Employed No No
900000850 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 7.947 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2294.04 N/A Employed No No
900000851 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 62656.38 N/A Employed No Yes Present
900000853 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
900000857 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
900000858 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
900000859 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 6.906 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31987.44 N/A Employed No No
900000861 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 7.364 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4232.97 Yes Retired No No
900000866 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 6.961 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2672.83 N/A Retired Retired No No No
900000877 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 23074.25 N/A Employed No Yes Present
900000882 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
900000883 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 17296.58 N/A Employed Employed No No Yes Present
900000890 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 20705.86 N/A Employed No Yes Present
900000891 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 8.219 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4754.7 N/A Employed No No
900000897 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 6.925 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30054.51 N/A Employed No No
900000898 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 6.953 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23460.64 N/A Employed No No
900000904 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 7.161 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18462.56 N/A Employed Employed No No No
900000906 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 7.041 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1743.25 N/A Employed No No
900000907 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
900000908 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 7.446 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11107.72 N/A Employed Employed No No No
900000914 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 23607.76 N/A Employed No Yes Present
900000915 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
900000922 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 7.165 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6339.79 N/A Employed No No
900000923 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 7.115 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3203.83 Yes Employed No No
900000925 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 103659.39 N/A Employed No Yes Present
900000926 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
900000927 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 6.667 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12894.02 Yes Employed Employed No No No
900000928 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 7.48 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9627.93 N/A Employed No No
900000935 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 7.489 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 4098.9 Yes Retired No No
900000936 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 8.231 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6714.21 N/A Employed No No
900000937 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 7.215 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10355.36 N/A Employed No No
900000939 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 8.217 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4452.5 N/A Employed No No
900000942 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 49033.75 N/A Employed No Yes Present
900000946 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
900000950 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 7.046 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17183.98 N/A Employed No No
900000952 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
900000953 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 7.438 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 105038.22 N/A Employed No No
900000954 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 6.855 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4926.15 N/A Employed No No
900000957 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
900000958 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
900000959 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
900000960 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
900000962 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 6.683 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6997.81 Yes Employed No No
900000964 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
900000966 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
900000967 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
900000969 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
900000971 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 12863.49 N/A Employed No Yes Present