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.4 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?
1 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 6.867 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13120.66 N/A Employed No No
2 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 8.582 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16593.06 N/A Employed Employed No No No
5 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 7.145 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19231.55 N/A Employed No No
7 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 7.409 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 50236.87 N/A Employed No No
11 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 7.616 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 40154.33 N/A Employed No No
12 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
13 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
14 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 6.661 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33012.34 N/A Employed Employed No No No
16 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 6.971 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28448.88 N/A Employed No No
19 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 47513.01 N/A Employed Employed No No Yes Present
22 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 7.614 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19048.98 N/A Employed No No
24 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 7.053 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8009.24 N/A Employed No No
37 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 7.223 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41692.55 N/A Employed No No
40 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 6.587 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16067.13 N/A Employed No No
41 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
42 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 22841.91 N/A Employed Employed No No Yes Present
47 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 6.553 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22818.63 N/A Retired Retired No No No
55 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 7931.66 N/A Employed No Yes Present
191 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 8.217 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11558.91 N/A Employed Employed No No No
194 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
239 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 6.586 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39457.17 N/A Employed Employed No No No
422 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 7.137 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8298 N/A Employed Employed No No No
526 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
791 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 8.026 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5853.98 N/A Employed No No
3 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 7.247 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30937.6 N/A Employed No No
4 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 13588.21 N/A Employed Employed No No Yes Present
6 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
8 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 7.431 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 75104.07 N/A Employed No No
9 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 8.809 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2492.17 N/A Employed No No
30 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 7.411 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10212.91 Yes Employed No No
33 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 8.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7307.08 N/A Employed No No
36 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 6.807 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11263.78 N/A Employed Employed No No No
38 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
39 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
44 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 6.668 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14092.44 N/A Employed Not Employed No No No
46 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 7.188 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27992.47 N/A Employed No No
51 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 15415 N/A Not Employed Employed No No Yes Present
53 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 7.018 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16277.91 Yes Employed No No
54 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
57 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 7.218 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 358330.05 N/A Employed No No
58 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 7.145 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6780.5 N/A Employed No No
61 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 7.035 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19615.26 Yes Employed Employed No No No
63 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 6.901 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 127929.77 N/A Employed No No
65 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
71 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 7.349 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7590.46 N/A Employed No No
75 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 122251.11 N/A Employed No Yes Present
76 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
80 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 6.894 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 577826.8 N/A Employed No No
83 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
85 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 21581.91 N/A Employed Employed No No Yes Present
88 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
91 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 6.93 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21313.22 N/A Not Employed Employed No No No
92 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 6.907 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2997.34 N/A Employed No No
94 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 8.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25257.55 N/A Employed No No
98 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 34872.7 N/A Employed No No
100 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 7.04 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25749 Yes Not Employed No No
104 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 10084.67 N/A Employed No Yes Present
109 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 6.642 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 36577.65 N/A Employed Employed No No No
112 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
114 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
116 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
119 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 8.653 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47707.37 N/A Employed No No
121 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
122 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 6.762 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 36378.8 N/A Employed Employed No No No
128 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 6.814 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14011.01 Yes Employed No No
129 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
130 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 219632.14 N/A Employed No Yes Present
134 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 7.164 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 51475.7 N/A Employed Employed No No No
136 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
148 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 7.407 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10920.23 Yes Employed No No
149 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 188207.57 N/A Employed No Yes Present
158 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 10071.2 N/A Employed No Yes Present
162 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 218222.56 N/A Employed No Yes Present
187 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 21753.11 Yes Employed Employed No No Yes Present
190 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 8.74 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8651.15 N/A Employed No No
193 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 6.797 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 180184.92 N/A Employed Retired No No No
195 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 6287.31 N/A Employed No No
197 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 21015.01 N/A Employed No Yes Present
200 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 7.043 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34644 Yes Employed No No
204 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
205 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 7.17 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 59128.63 N/A Employed No No
206 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 7.61 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9038.33 Yes Employed Employed No No No
207 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 6.335 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17849.41 N/A Employed No No
211 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 6.554 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15514.6 N/A Employed Employed No No No
212 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 7.027 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 4898.58 Yes Retired No No
213 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
215 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
225 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
226 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 7.276 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23314.44 N/A Employed No No
227 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 6.758 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10503.02 Yes Employed Employed No No No
230 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 6.684 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19275.42 N/A Employed No No
231 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 6.694 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22566.05 N/A Employed Employed No No No
232 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 6.428 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7311.6 N/A Employed No No
235 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 6.696 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 342221.47 N/A Employed No No
238 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 7.17 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14370.95 N/A Employed Employed No No No
241 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 6.505 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17745.34 N/A Employed No No
243 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 150923.05 N/A Employed No Yes N/A
248 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 7.945 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14988.16 N/A Employed No No
250 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 7.283 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11241.55 N/A Employed No No
255 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 7.208 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8931.45 N/A Employed No No
264 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
266 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
272 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
274 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 7.736 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10528.99 N/A Employed No No
278 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
279 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
280 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
285 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 6.586 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10070.41 N/A Employed No No
290 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
294 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 6.642 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8348.59 Yes Employed Employed No No No
296 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 6.903 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6343.59 N/A Employed No No
299 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 6.506 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5630.99 N/A Employed Employed No No No
300 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
301 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
304 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 6.249 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6379.99 N/A Employed No No
305 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
308 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 6.692 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10579.1 N/A Employed Employed No No No
309 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 8.054 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28242.88 N/A Employed No No
311 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 6.648 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17337.8 Yes Employed No No
314 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 7.593 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15466.62 Yes Employed Employed No No No
315 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
317 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 7.9 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9724.8 N/A Employed Employed No No No
319 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 6.907 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13668.34 N/A Employed Employed No No No
321 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 4894.54 N/A Employed No Yes Present
323 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 7.02 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13042.42 N/A Employed Employed No No No
327 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 6.272 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 4181.14 Yes Retired Retired No No No
331 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 7.118 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4695.85 N/A Employed No No
335 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
336 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 7.473 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 223380.79 N/A Employed No No
339 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 8.657 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5299.21 Yes Employed No No
340 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 42192.25 N/A Employed No Yes Present
344 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 6.273 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8809.93 N/A Employed No No
345 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 4554.99 N/A Employed No Yes Present
346 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
354 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 6.701 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7029.14 N/A Employed No No
356 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
357 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 6.994 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5779.88 N/A Employed No No
360 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 7.28 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37161 N/A Employed No No
363 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
365 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 7.24 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41675.44 N/A Employed No No
367 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 6.777 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12675 N/A Employed No No
371 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
374 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 6.774 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41886.8 N/A Employed No No
376 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 6.547 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60790.47 N/A Employed No No
380 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 15542 N/A Employed Not Employed No No Yes Present
383 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 9838.56 Yes Retired Retired No No Yes Present
394 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 8906.93 N/A Not Employed No Yes Present
397 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 6659.25 Yes Employed Not Employed No No Yes Present
400 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 6.039 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11027.72 N/A Employed Employed No No No
408 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
409 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
410 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
413 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 21401.89 N/A Employed No Yes Present
415 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
416 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 6.379 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 34013.99 N/A Retired No No
417 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
419 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 7.19 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14828.92 N/A Employed No No
424 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
430 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 6.569 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 866841.57 N/A Employed No No
431 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 7.42 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26582.24 N/A Employed No No
433 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 6.651 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20947.17 N/A Employed Retired No No No
436 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
439 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 7.574 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9733.81 N/A Employed No No
440 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 6.676 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14290.9 N/A Employed Not Employed No No No
443 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 7.516 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5597.29 N/A Employed No No
444 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
445 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
446 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 6.809 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 45793.59 N/A Employed No No
448 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 9.387 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8621.71 Yes Employed Employed No No No
449 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
454 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 6.81 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5663.94 N/A Employed No No
456 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 6.527 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 2398.68 Yes Retired No No
459 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
460 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
461 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 16099.31 N/A Employed No Yes Present
463 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
464 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 6.76 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21167.41 N/A Employed Employed No No No
468 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 6.813 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 45190.68 N/A Employed No No
469 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
470 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 7.283 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4851.19 N/A Employed No No
472 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 6.701 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4238.81 N/A Employed No No
474 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 6.42 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32482.88 N/A Employed No No
476 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 27320 N/A Employed No Yes Present
477 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
480 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
481 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 7.132 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 79633.27 N/A Employed No No
482 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
483 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
484 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 6.61 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34784.05 N/A Employed No No
486 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 66178.29 N/A Employed No Yes Present
487 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 6.7 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13532.36 N/A Employed Employed No No No
490 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 7.238 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21496.14 Yes Employed Employed No No No
491 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
492 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
498 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
499 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
501 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 6.523 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 194541.34 N/A Employed No No
504 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 Yes N/A N/A N/A N/A 31243.52 N/A Employed No Yes Present
507 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 7.404 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33970.09 N/A Employed Retired No No No
509 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
510 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 34916.25 N/A Employed No No
516 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 6.935 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19757.59 N/A Employed No No
519 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
522 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 6.66 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17861.66 N/A Employed Employed No No No
524 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
525 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
532 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
535 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 7.133 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3406.19 Yes Employed No No
536 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
537 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 7.347 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14532.53 N/A Employed Retired No No No
541 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 7.523 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7438 N/A Employed No No
542 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 7.45 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24707.37 N/A Employed No No
544 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 6.178 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19799.66 Yes Employed Employed No No No
549 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
550 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 6.509 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18356.65 Yes Employed Employed No No No
551 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
552 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
554 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 7.147 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7885.28 N/A Employed No No
558 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
560 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 6.974 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7326.16 N/A Employed No No
566 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
567 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
568 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
569 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 6.772 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5737.33 Yes Retired No No
571 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
575 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
577 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 6.276 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32579.66 N/A Employed No No
581 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
586 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
594 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 6.535 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1547.72 N/A Not Employed No No
595 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 7.79 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7904.22 N/A Employed No No
596 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 7.71 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6635.44 N/A Employed Employed No No No
598 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
599 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 6.579 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11904.48 Yes Employed No No
602 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 27125.81 N/A Employed No Yes Present
603 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
605 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
608 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
611 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 8.741 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4893.24 N/A Employed No No
614 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
616 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 7.111 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3191.61 N/A Employed No No
617 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 13379.1 N/A Employed No Yes Present
618 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 12320.62 N/A Employed No No
619 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 6.662 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7626.47 Yes Employed Employed No No No
620 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
622 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 6.849 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13512.29 N/A Employed No No
630 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 6.973 Yes Yes N/A Yes Yes Yes N/A N/A Yes Yes 22506.36 Yes Employed No No
631 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 6.405 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13506.33 N/A Employed No No
636 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
640 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
641 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 7.75 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9812.58 N/A Employed Retired No No No
642 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 6.889 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 151724.79 N/A Employed No No
643 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
646 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 72136.47 N/A Employed No Yes Present
655 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 20161.7 N/A Employed Employed No No No
656 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
658 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 6.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7617.44 Yes Employed No No
661 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 6.68 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14158.01 N/A Employed Not Employed No No No
663 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 7665.73 Yes Employed No Yes Present
669 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
671 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
672 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
673 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 6.92 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 236575.72 N/A Employed No No
675 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
677 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
679 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
690 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 9601.87 N/A Employed Employed No No Yes Present
691 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
693 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 7.083 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7576.25 Yes Employed No No
701 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 7.417 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27366.82 N/A Employed Employed No No No
703 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 7.297 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3146.54 Yes Employed No No
704 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 6.512 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 59351.97 N/A Employed Employed No No No
711 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 7.21 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 3470.42 N/A Retired Retired No No No
722 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 7.05 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10256.43 N/A Employed No No
723 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 7.207 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5282.36 Yes Employed No No
726 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
728 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 7.242 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13030.88 N/A Employed Retired No No No
732 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
734 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
737 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
742 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 7.429 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7243.96 Yes Employed No No
743 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 6.92 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23307.64 N/A Employed No No
746 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 6.576 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 49237.29 N/A Employed No No
747 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 6.599 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16675.87 Yes Retired Employed No No No
748 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
750 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 7.26 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11448.8 N/A Employed No No
753 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 29088.41 N/A Employed Employed No No Yes Present
754 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 27200.67 N/A Employed Employed No No Yes Present
755 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 7.497 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4309.44 N/A Not Employed No No
763 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 7.067 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5186.58 N/A Employed No No
764 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 7.39 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22250.77 N/A Employed No No
767 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
768 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
769 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 6.558 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15263.96 N/A Employed No No
770 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 7.035 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5283.85 N/A Employed No No
771 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 6.653 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35489.68 N/A Employed No No
773 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
776 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 6.714 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3482.12 Yes Employed No No
777 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 6.787 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6304.57 N/A Employed Employed No No No
778 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 7.908 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32137.1 N/A Employed No No
779 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 7.37 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 227555 N/A Employed No No
780 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
781 XX XX ATR/QM: Exempt Non-QM: Lender documented all ATR UW factors Yes Not Tested No No No No No No No No No Not Tested 0 7.329 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25540.2 Yes Employed No No
784 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
Removed from deal 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
786 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 7.184 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31065.4 N/A Employed No No
787 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
789 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 6.249 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7194.44 N/A Employed No No
792 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 6.829 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 170972.91 N/A Retired No No
793 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 7.088 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4507.71 N/A Employed No No
794 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
796 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 6.64 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30200.29 N/A Employed No No
799 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 6.763 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15530.92 N/A Employed No No
801 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 8689.5 Yes Employed Employed No No Yes Present
803 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 16150.8 N/A Employed No Yes Present
804 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 7.249 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39832 N/A Employed Employed No No No
805 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 7.483 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14977.17 N/A Employed Employed No No No
807 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 6619.69 N/A Employed No No
808 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
809 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
810 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 6.702 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12427.86 Yes Employed Employed No No No
811 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
812 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
814 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
817 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
818 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 6.771 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12862.82 N/A Employed No No
819 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
820 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
821 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 3032.93 Yes Employed No Yes Present
824 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