GCAT DEPOSITOR VI LLC ABS-15G

Exhibit 99.26

 

Loan ID Investor Loan ID Seller 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?
20250873 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250885 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20250915 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250848 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250849 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
20250863 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
20250866 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   Yes   No  
20250872 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   Yes   Yes Present
20250891 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250897 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20250901 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250905 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
20250908 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20250918 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250920 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
20250853 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
20250880 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Employed No No No  
20250869 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250903 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250935 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20250942 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20250851 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
20250892 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20250910 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250912 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250860 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250870 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250881 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250899 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250904 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250923 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250930 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250933 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20250882 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250889 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250902 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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 xxx N/A Employed Not Employed No No Yes Present
20250926 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250944 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250898 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20250900 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250913 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250927 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250937 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20250859 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250862 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250887 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250890 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20250925 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250929 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250850 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   Yes   Yes Present
20250878 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250928 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250868 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20250852 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250886 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251165 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250947 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20250946 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251161 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251154 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250948 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251193 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251139 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251167 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251189 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed Not Employed No No Yes Present
20251159 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20251171 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20251180 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251187 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251188 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251197 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251213 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251107 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251127 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251146 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
20251155 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
20251169 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   Yes   No  
20251181 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251191 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20250950 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   Yes   Yes Present
20251111 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
20251135 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20251138 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251150 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251152 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251156 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251130 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251133 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251134 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251170 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251175 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251176 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251194 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251163 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251172 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251182 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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 xxx N/A Employed   No   Yes Present
20250949 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251192 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251200 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
20251201 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251207 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20250951 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251209 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251210 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20251211 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20251214 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20251216 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251119 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20251128 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251151 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251196 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251219 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251126 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251140 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251183 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251203 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251218 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
20251220 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
20251185 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
20251148 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
20251202 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No