Vista Point Assets LLC ABS-15G

Exhibit 99.1 - Schedule 5

 

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?
11033534 xxx 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  
15810127 xxx 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 Retired   No   No  
12756133 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes 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  
15106488 xxx 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 N/A xxx N/A Employed   No   No  
16779489 xxx 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 N/A xxx N/A Employed   No   No  
15144075 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes 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 Employed No No No  
18112751 xxx 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 N/A xxx Yes Employed   No   No  
16898352 xxx 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
17630328 xxx 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 N/A xxx N/A Employed Not Employed No No No  
15100964 xxx 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
11841028 xxx 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 Employed No No No  
16596346 xxx 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 N/A xxx N/A Employed   No   No  
13275728 xxx 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
19931313 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
11611769 xxx 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
18507930 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       Yes N/A N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   Yes Present
12599442 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
19354948 xxx 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 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17457029 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18114177 xxx 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 N/A xxx N/A Employed   No   No  
12199125 xxx 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 N/A Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17889591 xxx 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 N/A xxx N/A Employed   No   No  
13256404 xxx 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
16686281 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
18332962 xxx 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 Yes Yes Yes Yes xxx N/A Employed Employed No No No  
18770698 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
11224596 xxx 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 Yes xxx N/A Employed Employed No No No  
18274429 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17468613 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16582318 xxx 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  
13560153 xxx 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 No xxx xxx Yes Yes N/A Yes N/A Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
10009073 xxx 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
14540371 xxx 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 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16146977 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No Not Tested   xxx 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
11894605 xxx 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 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15413860 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes Yes No No No No No No No No Not Tested   xxx 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
10800514 xxx 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 Unknown No No No  
16919523 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Not Tested   xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18611771 xxx 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 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14220866 xxx 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 Yes Yes Yes Yes xxx N/A Employed Employed No No No  
16823754 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13181072 xxx 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 Yes Yes Yes N/A xxx N/A Retired   No   No  
14670864 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No Not Tested   xxx Yes N/A N/A Yes Yes Yes Yes Yes N/A N/A xxx N/A Employed   No   Yes Present
15080012 xxx 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 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12484496 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13017772 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19418350 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
15510979 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11249929 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
12732749 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14299112 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11687486 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15795471 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18818683 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
11645136 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
11702900 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
13517996 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13078836 xxx 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
19082908 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18724672 xxx 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 Yes xxx xxx Yes Yes N/A Yes N/A Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
17588157 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
19470434 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19456563 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
13561817 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11990492 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14226155 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16536009 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18771197 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14687491 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
13787750 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12448705 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16572306 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
17857054 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Retired No No No  
19291640 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14727082 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13827497 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No No No No No No No No No No Yes xxx xxx Yes N/A N/A Yes Yes Yes Yes Yes N/A N/A xxx N/A Employed   No   No  
11429613 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
16262012 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15439394 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired   No   No  
14524104 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17354295 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Retired Retired No No No  
19904599 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
12949342 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11137889 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16106039 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15656488 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11085715 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11795637 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
18812824 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16138433 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19183225 xxx 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 Yes Yes Yes N/A xxx N/A Not Employed Employed No No No  
11571787 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18075600 xxx 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 Retired Retired No No No  
14001554 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Employed No No No  
12618340 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15101890 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16470350 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed Employed No No No  
13707828 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13388067 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
10968362 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14891739 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
10051628 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19044507 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10137932 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19275161 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19106400 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18646272 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12077235 xxx 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 Employed No No Yes Present
19835747 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No Yes xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Retired   No   Yes Present
19682940 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11584218 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15690228 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14916597 xxx 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 Retired Employed No No No  
16515923 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No No xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
13197997 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16317910 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
10400959 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16356274 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17081698 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12903079 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15606452 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
15283377 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
13659585 xxx 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
15811570 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed   No   No  
18479794 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12688669 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19159896 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18686653 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16885191 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
12390582 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
19067194 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
13612321 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Retired No No No  
10915462 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16168824 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15319711 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12541219 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15232110 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
16711312 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Employed No No No  
12350720 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11734191 xxx 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 No xxx xxx Yes Yes N/A Yes N/A Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19861386 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11151228 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17320795 xxx 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 Not Employed No No No  
16987725 xxx 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
11607023 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
13409524 xxx 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 Employed No No Yes Present
12837155 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
10821042 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17830799 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19806250 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Not Employed No No No  
10321131 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
10822364 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19083970 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17179864 xxx 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 Yes Yes Yes Yes xxx N/A Retired   No   No  
19676060 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
14173634 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14897520 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12332126 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19806461 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15744560 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
17944462 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Retired   No   No  
14199920 xxx 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
18508838 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
16467041 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16628381 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13096270 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
18150128 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11330523 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
14543210 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Employed No No No  
12187840 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13864733 xxx 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 Employed No No Yes Present
12623597 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12594209 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
18791821 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes No No No No No No No No Not Tested xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Retired No No Yes Present
19322378 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12082533 xxx 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 Employed No No Yes Present
17242534 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16971462 xxx 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       No   Yes Present
19983858 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
13298825 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12350234 xxx 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       No   Yes Present
10261261 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10342337 xxx 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  
17701377 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16987571 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18948113 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
18979575 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12190440 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18353500 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
10159689 xxx 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 Employed No No No  
19541631 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed Not Employed No No No  
10159657 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10158744 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
10169566 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15889027 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
10955196 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes No No No No No No No No No Yes xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
12395857 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14196390 xxx 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  
19845135 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11795061 xxx 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 Yes Yes Yes N/A xxx Yes Employed   No   No  
16264293 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16547397 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14738390 xxx 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
17390567 xxx 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
16452400 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
12022263 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17753795 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
12955456 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14087712 xxx 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 Yes Yes Yes Yes xxx N/A Employed Employed No No No  
11090039 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
14039887 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19024790 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
14789543 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14075474 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14745848 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17589659 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No No xxx xxx 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
12411278 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16387913 xxx 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       No   Yes Present
12300213 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A Yes Yes N/A N/A N/A xxx N/A Employed   No   Yes Present
16707346 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10675213 xxx 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
19559235 xxx 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 Yes Yes N/A N/A N/A xxx N/A Employed   No   Yes Present
11292849 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14836438 xxx 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
18742671 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15909401 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16903878 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14945383 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14134535 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
12156809 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Retired No No No  
12098752 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes No No No No No No No No No Yes xxx xxx 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
12544974 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12409278 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10298661 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19564310 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10466240 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15008487 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12088148 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18525382 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17248474 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14141124 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19259837 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
18207055 xxx 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       No   Yes Present
10507952 xxx 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 Yes Yes Yes N/A xxx N/A Retired   No   No  
12840968 xxx 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  
12285422 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired   No   No  
18005728 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19635823 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16019766 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
11414043 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16328395 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16932615 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13095280 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18583947 xxx 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 Yes Yes N/A N/A xxx N/A Not Employed Employed No No No  
10943973 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15839168 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17997247 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12491788 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15914354 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19491353 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18922151 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17759985 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11944198 xxx 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       No   Yes Present
10632769 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Not Employed No No No  
15147454 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes Yes No No No No No No No No Yes xxx xxx 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   No  
14683866 xxx 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
16705921 xxx 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       No No Yes Present
14792416 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12890795 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18806247 xxx 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
11089492 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14332871 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18575625 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13331332 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10193556 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
15833391 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17629644 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10664315 xxx 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 Yes Yes Yes N/A xxx N/A Retired Not Employed No No No  
11990175 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13276991 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14697562 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
11229125 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10745069 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19162513 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16626676 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16869660 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11476794 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Not Employed Employed No No No  
15793756 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12973465 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19241439 xxx 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  
18867477 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11865938 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Not Tested Yes No No No No No No No No Not Tested xxx xxx 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   No  
12869862 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes 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  
13052227 xxx 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
13927219 xxx 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
12060669 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15264340 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
17050497 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Employed No No No  
11072523 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12624888 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
16667083 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11689920 xxx 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
14462932 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12346311 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14892745 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18066673 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10421342 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12633099 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
17569983 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Retired No No No  
15305356 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Not Employed No No No  
10192847 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19924825 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17153206 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18332290 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16500194 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes Yes No No No No No No No No Yes xxx xxx 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
18431761 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14846143 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13462864 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16459947 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12671200 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16967855 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10808683 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes Yes No No No No No No No No No xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
19068711 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13662566 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11097496 xxx 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
16272027 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14706945 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
11702525 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16405521 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
12277172 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Employed No No No  
14826396 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
10969584 xxx 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 No Yes Yes N/A xxx N/A Employed   No   No  
15180811 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
12474064 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14418497 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19839080 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
15990909 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
13240450 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Not Employed   No   No  
18444877 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Unknown No No No  
18074278 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       Yes 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
11721443 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15450701 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19819330 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12895245 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11804259 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Retired No No No  
15509947 xxx 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 Yes Yes N/A Yes N/A xxx N/A Employed   No   Yes Present
18900419 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19262160 xxx 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       No   Yes Present
14814486 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18689167 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17610430 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15625488 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19667486 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
11265402 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
16406870 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16451278 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18458155 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12372000 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13772309 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12753823 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18325699 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes 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  
11084147 xxx 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 Yes Yes Yes N/A xxx N/A Employed Retired No No No  
12151852 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13416588 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11931810 xxx 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 Yes xxx xxx Yes Yes N/A Yes N/A Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10570453 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes 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  
12107383 xxx 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       No No Yes Present
17447567 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12992964 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14231780 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12419178 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14402048 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14257600 xxx 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
14295258 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14263432 xxx 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
12291952 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
16790329 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
10817947 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes Yes No No No No No No No No No xxx xxx 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 No  
14064371 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed   No   No  
12166712 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
19658582 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10600194 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19429798 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17292800 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12588598 xxx 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       No   Yes Present
14864507 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes No No No No No No No No No Yes xxx xxx Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No No  
12496367 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
10038813 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes Yes No No No No No No No No Yes xxx xxx Yes 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
19325836 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17450713 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18432133 xxx 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 Yes N/A xxx N/A Employed   No   Yes Present
15882414 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18779709 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14594630 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14054695 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
14757499 xxx 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
19614260 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
19566122 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18741069 xxx 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
17900945 xxx 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  
15217945 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No Yes xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No No  
19988729 xxx 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       No   Yes Present
11013305 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
14998093 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11513846 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16445320 xxx 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
10259748 xxx 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 Yes Yes Yes N/A xxx N/A Retired Retired No No No  
19877637 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19744647 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16147339 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Employed No No No  
19692026 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16554133 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10518911 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10614531 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
11922944 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Unknown No No No  
10161255 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10726681 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14725590 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12991276 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10130022 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
13813450 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11213940 xxx 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
19149161 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13049657 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18150464 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11167858 xxx 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       No   Yes Present
15932619 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
14690391 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18586285 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14146564 xxx 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 Yes Yes Yes Yes xxx N/A Employed Not Employed No No No  
11566574 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13758869 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11078209 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
12139012 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10246654 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19138840 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15446296 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18670412 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15012099 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Not Employed Employed No No No  
12514091 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Employed No No No  
10065939 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10070990 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13328425 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19560478 xxx 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       No No Yes Present
10247645 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12506580 xxx 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       No   Yes Present
11442181 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18563041 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Employed No No No  
15684319 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed Employed No No No  
12571457 xxx 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 Yes Yes Yes N/A xxx N/A Retired Employed No No No  
14578027 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14086426 xxx 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 Yes N/A N/A xxx N/A Employed   No   Yes Present
15268480 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16479781 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18989609 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
16583844 xxx 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 Employed No No Yes Present
17165116 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16263482 xxx 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
11499457 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Not Employed No No No  
13594318 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11168186 xxx 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 Not Employed No No No  
14375194 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17679535 xxx 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
10862782 xxx 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 Yes Yes Yes Yes xxx N/A Employed Employed No No No  
17774809 xxx 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 Yes N/A N/A xxx N/A Employed   No   Yes Present
10464159 xxx 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 Yes Yes Yes Yes xxx N/A Employed   No   No  
10433053 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17116116 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12025681 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
12935925 xxx 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     No   Yes Present
11587123 xxx 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       No   Yes Present
16791723 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13637049 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
10514513 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17757486 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed   No   No  
15537053 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13205572 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19925806 xxx 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       No No Yes Present
16901390 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A Yes N/A xxx N/A Employed   No   Yes Present
12993005 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12222723 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16311547 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes No No No No No No No No Yes xxx xxx 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 No  
19013863 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16303343 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12606905 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11075549 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19661862 xxx 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 Yes Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11262668 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15654274 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
15632537 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12768620 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19267414 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
13259669 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
10585040 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Employed No No No  
14276389 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13511036 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
11472692 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12219131 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17350706 xxx 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 Employed No No No  
18043577 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17529818 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16904943 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes Yes No No No No No No No No Yes xxx xxx 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
17199628 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
10249348 xxx 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
18759965 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13602827 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12605010 xxx 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       No No Yes Present
14175248 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14529936 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
18244367 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19965269 xxx 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
15358651 xxx 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
10019714 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17044462 xxx 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
15552574 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Retired No No No  
16387461 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14325520 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes 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  
10085400 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed Retired No No No  
13442438 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12398881 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19985525 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10768487 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19415044 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
13460695 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12141415 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15214086 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18836556 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Retired   No   No  
12763673 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14376400 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14739846 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes Yes No No No No No No No No No xxx xxx 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   No  
15534762 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16698833 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10486924 xxx 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
13217651 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes No No No No No No No No No Yes xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No No  
16880244 xxx 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       No   Yes Present
17827622 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
13380241 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16880215 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No No xxx xxx 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   No  
11788643 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11582460 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11563481 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15934438 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
10519127 xxx 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 Yes Yes Yes N/A xxx N/A Not Employed Employed No No No  
12170319 xxx 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
13605701 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10892905 xxx 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       No   Yes Present
10996843 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
18857003 xxx 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
16498786 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18376374 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13865311 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
15814173 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10544376 xxx 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       No   Yes Present
11342711 xxx 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 Yes N/A xxx N/A Employed   No   Yes Present
17984354 xxx 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       No   Yes Present
12696027 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16000356 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Employed No No No  
11329680 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11699187 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18115053 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
12476125 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19343159 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No No xxx xxx Yes N/A Yes N/A N/A N/A N/A N/A N/A N/A xxx N/A Retired   No   No  
11734901 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15585384 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15317383 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18203222 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12322872 xxx 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  
15403596 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Retired No No No  
16302696 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11859562 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12736350 xxx 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       No   Yes Present
11116853 xxx 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 N/A Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18066523 xxx 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       No   Yes Present
18957854 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14942507 xxx 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       No   Yes Present
16311152 xxx 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     No   Yes Present
15206696 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18761426 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17517680 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15934913 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
17365146 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No No xxx xxx 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   No  
12880010 xxx 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       No   Yes Present
13658603 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15336359 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18519521 xxx 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       No   Yes Present
18970569 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No No xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Retired   No   No  
15010848 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18745300 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13792544 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18728848 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
15840328 xxx 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 No Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
15588514 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Not Employed Employed No No No  
19518155 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18037317 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11414881 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16907497 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13752541 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10209253 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19333577 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12720929 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12643838 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16078134 xxx 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       No   Yes Present
17065949 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
15295324 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10764805 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15029638 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15814086 xxx 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 Employed No No Yes Present
19290593 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10486990 xxx 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  
12098005 xxx xxx xxx 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 xxx xxx 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   No  
18557521 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19417791 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11509384 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16515815 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11430316 xxx xxx xxx 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 xxx xxx 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   No  
19458139 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
17969478 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19587471 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
18924252 xxx 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 Employed No No No  
16020969 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10400980 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19697561 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17917785 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17848066 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11457931 xxx 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  
15353253 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13502161 xxx 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       No   Yes Present
17148022 xxx 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       No   Yes Present
12024558 xxx 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       No   Yes Present
15745868 xxx 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       No   Yes Present
17652766 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19048646 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15078760 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13260906 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
16512924 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18741493 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18748602 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19933502 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
11278892 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes No No No No No No No No No Yes xxx xxx 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
10464421 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
10148114 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16336671 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12104113 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14306572 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12071525 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No Yes xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No No  
16431875 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14103170 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16366253 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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 Employed No No Yes Present
10701773 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18101471 xxx 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       No   Yes Present
11912306 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes No No No No No No No No No xxx xxx 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   No  
14555520 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18089007 xxx 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
13554218 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes N/A N/A xxx N/A Employed Employed No No No  
11367735 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
19165195 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14815954 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed Employed No No No  
13687420 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15373810 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13437980 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
17701210 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired   No   No  
10087425 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18127831 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16243693 xxx 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  
13466620 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15986945 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10205540 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
19589318 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11053305 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11725648 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11068704 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14940931 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11250616 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14230541 xxx 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       No   Yes Present
11182366 xxx 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 Employed No No No  
12349430 xxx 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       No   Yes Present
13244314 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13436061 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14917543 xxx 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       No   Yes Present
15045124 xxx 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
15856109 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
17596955 xxx 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       No No Yes Present
11915383 xxx 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
15926618 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
19699553 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Employed No No No  
15436070 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16253130 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18783962 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18852979 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15346668 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
10408411 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
13630448 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19124701 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17546688 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12101279 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
11117440 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14019170 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
14479238 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19354833 xxx 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       No   Yes Present
18925109 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18986439 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18786301 xxx 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       No   Yes Present
12175215 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18016369 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19698993 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11993949 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15585066 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10121475 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16380875 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18690794 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18129599 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10854784 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11169185 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13354973 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14619617 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
17507716 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10099967 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10256461 xxx 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 Yes Yes Yes N/A xxx N/A Retired   No   No  
13409063 xxx 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
18493126 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes 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 Employed No No No  
10440327 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14454760 xxx 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       No No Yes Present
17476367 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
14786503 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18347062 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
19046210 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12745747 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes 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 Employed No No No  
11904096 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11626222 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
19697596 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16454329 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17385827 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16285476 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13498923 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12939319 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19589611 xxx 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
16722031 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes N/A N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
16462074 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11015785 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
16644456 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       Yes N/A N/A N/A N/A Yes N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
15837192 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17475972 xxx 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  
18744451 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14274503 xxx 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       No   Yes Present
17742508 xxx 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 Yes Yes Yes N/A xxx N/A Not Employed Not Employed No No No  
14079071 xxx 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
18231759 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10819636 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
10446512 xxx 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       No   Yes Present
13216642 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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
13816374 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19860100 xxx 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
11865622 xxx 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 N/A Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
12751613 xxx 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 Yes Yes Yes N/A xxx N/A Employed Not Employed No No No  
11258680 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17761423 xxx 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  
11640616 xxx 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       No   Yes Present
17801558 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No No No No No No No No No No No xxx xxx 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   No  
16986429 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       Yes N/A N/A N/A N/A Yes N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
19913108 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
18276058 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
15903646 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15205486 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
11295788 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed Employed No No No  
14736015 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired   No   No  
17681369 xxx 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 No xxx xxx Yes Yes N/A Yes N/A Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
13690304 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18049024 xxx 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
19498835 xxx 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 N/A N/A xxx N/A Employed Retired No No No  
17246585 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
19705211 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16862895 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17823654 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17705140 xxx 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 Yes xxx xxx Yes Yes N/A Yes N/A Yes Yes Yes N/A N/A xxx N/A Employed Employed No No No  
19398401 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14834834 xxx 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 Yes Yes Yes N/A xxx N/A Employed Employed No No No  
12385938 xxx 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       No   Yes Present
17396764 xxx 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 Yes xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15432250 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
15858324 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
15824237 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14527575 xxx xxx xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
17722744 xxx 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 Employed No No Yes Present
18128073 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
11176264 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
11766032 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
12895988 xxx 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
15376607 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
10047471 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
10721827 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No No xxx xxx 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   No  
15902939 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No No xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
16891980 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
17168378 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
18528943 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
14726414 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
14907778 xxx 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       No   Yes Present
11624503 xxx 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       No   Yes Present
18607514 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13379534 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A Yes Yes N/A N/A N/A xxx N/A Employed   No   Yes Present
19826982 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
13309631 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
18029396 xxx 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 No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
17667786 xxx 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  
10517808 xxx 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  
17297664 xxx 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 Yes Yes Yes N/A xxx N/A Employed   No   No  
16878715 xxx xxx xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No Yes xxx xxx Yes 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