HOMES 2025-NQM3 TRUST ABS-15G

 

 

Exhibit 99.3 Schedule 4

 

 

Loan ID Redaction 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 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?
XXXX 385551 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 5995 6.905 Yes Yes N/A Yes Yes N/A Yes Yes Yes Yes 5128.48 N/A Employed   No   No  
XXXX 391568 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 11957.5 8.301 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34555.64 N/A Employed   No   No  
XXXX 392794 XXXX XXXX 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
XXXX 396865 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13047.5 6.835 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19140.46 N/A Employed   No   No  
XXXX 397666 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6490 7.216 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 11216.6 N/A Employed Not Employed No No No  
XXXX 404412 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10902 8.897 Yes N/A N/A Yes Yes Yes N/A Yes N/A N/A 15714.04 N/A Employed   No   No  
XXXX 408393 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11295 7.062 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9111.39 N/A Employed   No   No  
XXXX 408395 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 36029.25 7.116 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31659.26 N/A Employed   No   No  
XXXX 408403 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8340 7.33 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11496.98 N/A Employed   No   No  
XXXX 413152 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 17630 7.336 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 9177.89 Yes Employed   No   No  
XXXX 413155 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8605.63 7.189 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21453.65 N/A Employed   No   No  
XXXX 413160 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4590 7.064 Yes Yes N/A Yes N/A Yes N/A Yes Yes Yes 6501.13 Yes Employed   No   No  
XXXX 413163 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10995 6.841 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10311.85 N/A Employed   No   No  
XXXX 414566 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6881 6.833 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6121.19 N/A Employed   No   No  
XXXX 414568 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 11042.81 6.79 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8380.7 N/A Employed   No   No  
XXXX 414570 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7395 6.858 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7144.78 Yes Employed   No   No  
XXXX 414574 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6214.38 6.62 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7561.31 Yes Employed   No   No  
XXXX 417733 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5945 7.141 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8476.33 Yes Employed   No   No  
XXXX 417739 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 17895 6.957 Yes Yes N/A Yes Yes Yes Yes Yes N/A N/A 8814.15 Yes Employed   No   No  
XXXX 417740 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7575 6.933 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10310.08 Yes Employed   No   No  
XXXX 417751 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2390 6.767 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 36819.39 N/A Employed   No   No  
XXXX 417753 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2195 7.083 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7502.35 N/A Employed   No   No  
XXXX 417755 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 39645 6.731 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 91390.43 N/A Employed   No   No  
XXXX 417758 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8870 7.056 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 9588.18 N/A Employed   No   No  
XXXX 417762 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 6723.98 7.565 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6597.33 Yes Employed   No   No  
XXXX 417763 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6488.75 6.9 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9690.07 N/A Employed   No   No  
XXXX 420410 XXXX XXXX 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         Yes   Yes Present
XXXX 422250 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10556.66 6.798 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10313.34 N/A Employed   No   No  
XXXX 422257 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11790 7.304 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 16082.43 N/A Employed   No   No  
XXXX 422260 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 23445 6.597 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15366.6 N/A Employed   No   No  
XXXX 422261 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3590 7.059 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17044.29 Yes Employed   No   No  
XXXX 422263 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2195 6.708 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8986.26 N/A Employed   No   No  
XXXX 422268 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 11157.58 6.649 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8704.85 N/A Employed   No   No  
XXXX 422272 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7095 6.909 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5936.34 Yes Employed   No   No  
XXXX 424963 XXXX XXXX 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
XXXX 424971 XXXX XXXX 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 Yes N/A 55822.2 Yes Employed Employed No No Yes Present
XXXX 425627 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1395 7.53 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11685.7 N/A Employed   No   No  
XXXX 425629 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 18345 6.909 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23074.19 N/A Employed   No   No  
XXXX 425631 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12175 7.332 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9761.36 Yes Employed   No   No  
XXXX 425640 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 14695 7.082 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 9712.93 N/A Employed   No   No  
XXXX 425649 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1495 6.791 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5370.8 Yes Employed   No   No  
XXXX 428663 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 5556.15 6.924 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 4636.26 N/A Employed   No   No  
XXXX 428667 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12740 6.933 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8682.4 Yes Employed   No   No  
XXXX 428674 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8844.75 6.914 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8815.24 Yes Employed   No   No  
XXXX 428690 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7685 8.194 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 194082.74 N/A Employed   No   No  
XXXX 428692 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15979.99 6.998 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 53136.43 Yes Employed   No   No  
XXXX 428704 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2390 7.098 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5822.16 N/A Employed   No   No  
XXXX 428709 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11469 6.669 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18071.54 N/A Employed   No   No  
XXXX 430747 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7034 6.838 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6883.99 N/A Employed   No   No  
XXXX 430770 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6252.5 7.063 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6082.36 N/A Employed   No   No  
XXXX 430782 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10490 7.299 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47282.32 Yes Employed Employed No No No  
XXXX 431799 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 23195.94 7.727 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14970.28 N/A Employed Not Employed No No No  
XXXX 432779 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A Yes Yes Yes N/A Yes N/A N/A 106350.89 Yes Employed   No   Yes Present
XXXX 432781 XXXX XXXX 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 Yes N/A N/A N/A N/A 46342.68 Yes Employed   No   Yes Present
XXXX 432784 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6895 6.823 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12386.93 N/A Employed   No   No  
XXXX 432791 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 13352.5 8.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15231.12 N/A Employed Employed No No No  
XXXX 432795 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20485 7.622 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 51355.68 N/A Employed   No   No  
XXXX 434435 XXXX XXXX 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 Yes N/A N/A         No   Yes Present
XXXX 436540 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12505 7.31 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7829.81 Yes Employed   No   No  
XXXX 436567 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6440 7.211 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13263.98 Yes Employed   No   No  
XXXX 436569 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 9360 7.202 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 3734.25 N/A Employed   No   No  
XXXX 436576 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4127.5 7.381 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 3517.09 N/A Employed   No   No  
XXXX 439721 XXXX XXXX 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 Yes N/A N/A N/A N/A 6420.5 N/A Employed Employed No No Yes Present
XXXX 440819 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15035 7.207 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 97633.64 N/A Employed   No   No  
XXXX 441983 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10117.5 6.894 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6118.23 Yes Employed   No   No  
XXXX 445203 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21735 6.776 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 45249.31 Yes Employed   No   No  
XXXX 447193 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 10127.5 7.089 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5764.11 N/A Employed   No   No  
XXXX 447596 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7020 7.031 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5694.65 Yes Employed   No   No  
XXXX 449361 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8245 6.689 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 30196.96 N/A Employed   No   No  
XXXX 450345 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 9795 7.649 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5444.24 N/A Employed   No   No  
XXXX 450349 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7327.5 7.118 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5534.16 N/A Employed   No   No  
XXXX 450350 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2245 7.444 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 114459.25 N/A Employed   No   No  
XXXX 450629 XXXX XXXX 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
XXXX 450632 XXXX XXXX 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
XXXX 450783 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 15080 7.849 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16631.79 Yes Employed   No   No  
XXXX 453036 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8295 7.547 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 6241.88 N/A Employed   No   No  
XXXX 453976 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 69113.75 8.707 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 58965.99 Yes Employed   No   No  
XXXX 455934 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4240 8.03 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 13788.52 Yes Employed   No   No  
XXXX 456558 XXXX XXXX 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 Yes N/A Yes N/A N/A 2055749.87 Yes Employed   No   Yes Present
XXXX 456564 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12870 7.326 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 55386.83 Yes Employed   No   No  
XXXX 456573 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 17780.94 8.442 Yes No N/A No Yes Yes N/A N/A No Yes 14599.66 Yes Employed Employed No No No  
XXXX 457302 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2390 8.101 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 5517.02 N/A Employed   No   No  
XXXX 457311 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6370 7.735 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 3934.86 N/A Employed   No   No  
XXXX 457607 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4673 7.625 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12536.61 Yes Employed   No   No  
XXXX 457827 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 4280 8.871 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 4347.06 Yes Employed   No   No  
XXXX 459304 XXXX XXXX QM: Safe Harbor Verified (V SH) QM: Safe Harbor Verified (V SH) No   No No No No No No No No No No No 26779 8.621 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 106837.52 Yes Employed   No   No  
XXXX 459733 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 16967.16 7.61 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30322.55 Yes Employed   No   No  
XXXX 459853 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8945 7.681 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5657.69 N/A Employed   No   No  
XXXX 459864 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8395 7.516 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33566.45 N/A Employed   No   No  
XXXX 460632 XXXX XXXX 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
XXXX 466097 XXXX XXXX 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
XXXX 467748 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6595 7.815 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6337.35 Yes Employed Employed No No No  
XXXX 467750 XXXX XXXX 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
XXXX 467752 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 10595 8.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16356.81 Yes Employed   No   No  
XXXX 467753 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 20530.36 8.337 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 17106.01 Yes Employed Employed No No No  
XXXX 467755 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10355 8.261 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 33506.23 N/A Employed Not Employed No No No  
XXXX 468882 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes Yes Yes N/A Yes N/A Yes 162505.75 Yes Employed   No   Yes Present
XXXX 471184 XXXX XXXX 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         Yes   Yes Present
XXXX 472172 XXXX XXXX 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
XXXX 472175 XXXX XXXX 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
XXXX 476850 XXXX XXXX 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
XXXX 476851 XXXX XXXX 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
XXXX 476853 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 19895 7.139 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 75525.72 Yes Employed   No   No  
XXXX 476854 XXXX XXXX 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
XXXX 476855 XXXX XXXX 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
XXXX 476857 XXXX XXXX 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
XXXX 476859 XXXX XXXX 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
XXXX 479078 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4365 8.089 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27251.21 Yes Employed Not Employed No No No  
XXXX 479080 XXXX XXXX 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
XXXX 479592 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 16695 8.193 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10300.38 N/A Employed Employed No No No  
XXXX 479594 XXXX XXXX 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
XXXX 480794 XXXX XXXX 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 Yes N/A N/A         No   Yes Present
XXXX 480795 XXXX XXXX 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 186729.66 Yes Employed   No   Yes Present
XXXX 480797 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 13953.75 8.859 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13913.26 Yes Employed   No   No  
XXXX 480798 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12035 7.873 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 10960.63 Yes Not Employed Employed No No No  
XXXX 480799 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 14880 8.123 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24332.72 Yes Employed   No   No  
XXXX 480800 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11369.5 7.477 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14718.21 Yes Employed   No   No  
XXXX 488150 XXXX XXXX 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
XXXX 488152 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 12885 7.766 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8813.88 Yes Employed   No   No  
XXXX 489249 XXXX XXXX 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
XXXX 489251 XXXX XXXX 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 38755.55 Yes Employed   No   Yes Present
XXXX 489252 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 9139 8.76 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 145630.95 Yes Employed   No   No  
XXXX 489254 XXXX XXXX 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
XXXX 489255 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 21840 7.78 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 71761.9 Yes Employed   No   No  
XXXX 492772 XXXX XXXX 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
XXXX 492773 XXXX XXXX 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
XXXX 496226 XXXX XXXX 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 Yes N/A N/A         No   Yes Present
XXXX 500223 XXXX XXXX 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
XXXX 500624 XXXX XXXX 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
XXXX 502144 XXXX XXXX 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
XXXX 502316 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 78683 8.098 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 51092.55 Yes Employed   No   No  
XXXX 502321 XXXX XXXX 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
XXXX 502326 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 21687.5 8.846 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 18182.88 Yes Employed   No   No  
XXXX 502332 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 6475 8.59 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12528.02 Yes Employed   No   No  
XXXX 502334 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No Yes 20656.25 9.251 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 8160.49 Yes Employed   No   No  
XXXX 503496 XXXX XXXX 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
XXXX 503509 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6884.6 7.808 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 7512.27 Yes Employed   No   No  
XXXX 504259 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 14427.5 9.408 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24275.3 Yes Employed   No   No  
XXXX 504800 XXXX XXXX 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
XXXX 504804 XXXX XXXX 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
XXXX 504806 XXXX XXXX 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
XXXX 504872 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 32181.36 8.906 Yes N/A N/A Yes Yes Yes N/A N/A Yes N/A 18910.14 Yes Employed   No   No  
XXXX 504877 XXXX XXXX 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
XXXX 504881 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A Yes N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 504884 XXXX XXXX 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 4997.11 N/A Employed   No   Yes Present
XXXX 505817 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 16958.81 8.733 Yes Yes N/A Yes Yes Yes N/A N/A Yes Yes 15849.87 Yes Employed   No   No  
XXXX 506073 XXXX XXXX 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 Yes N/A N/A         No   Yes Present
XXXX 507199 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No Yes 12981.25 9.059 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3393.47 Yes Employed   No   No  
XXXX 508601 XXXX XXXX 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
XXXX 508620 XXXX XXXX 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
XXXX 508626 XXXX XXXX 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
XXXX 508630 XXXX XXXX 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
XXXX 510257 XXXX XXXX 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
XXXX 510275 XXXX XXXX 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
XXXX 510300 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13570 7.909 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10019.49 Yes Employed   No   No  
XXXX 511478 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No Yes Yes No No No       N/A Yes N/A Yes N/A N/A N/A N/A N/A N/A 37727.07 Yes Employed Employed No No Yes Present
XXXX 511646 XXXX XXXX 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 Yes Yes 14456.09 Yes Employed   No   Yes Present
XXXX 512026 XXXX XXXX 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
XXXX 515874 XXXX XXXX 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
XXXX 518545 XXXX XXXX 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
XXXX 518583 XXXX XXXX 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
XXXX 555033 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 19008.4 9.654 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14865.16 Yes Employed   No   No