Vista Point Assets LLC ABS-15G
Exhibit 99.2 - Schedule 1
| Loan ID | Redaction ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| XXXX | 2480295 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9999 | 9.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25868.67 | N/A | Employed | Employed | No | No | No | ||
| XXXX | 2426698 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | Yes | No | No | No | 13850 | 9.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15497.09 | Yes | Employed | No | No | |||
| XXXX | 2385266 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | No | Yes | Yes | No | No | No | No | No | No | No | No | 2349 | 11.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3881.05 | N/A | Employed | No | No | ||||
| XXXX | 2026906 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2699 | 11.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5090.52 | N/A | Employed | No | No | |||
| XXXX | 2390460 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8022.73 | 9.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4887.6 | N/A | Employed | Employed | No | No | No | |
| XXXX | 2889126 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 10945 | 8.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 23081.24 | Yes | Employed | No | No | ||||
| XXXX | 2101674 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 5744 | 10.073 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10377.8 | Yes | Employed | No | No | ||||
| XXXX | 2096442 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5045 | 9.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5413.61 | Yes | Employed | No | No | |||
| XXXX | 2233526 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6496.16 | 9.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5507.91 | Yes | Employed | Employed | No | No | No | |
| XXXX | 2301995 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | No | No | No | No | No | No | No | 3457.33 | 10.532 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3640.03 | Yes | Employed | No | Yes | Present | |||
| XXXX | 2349264 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 8.722 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9418.56 | Yes | Employed | No | No | ||||
| XXXX | 2615438 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3574 | 11.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10887.21 | Yes | Employed | Employed | No | No | No | |
| XXXX | 2488935 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | No | No | No | No | No | No | Yes | 9826.48 | 12.4 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | Yes | N/A | 25114.77 | Yes | Employed | No | Yes | Present | |||
| XXXX | 2383285 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5450 | 11.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17749.54 | Yes | Employed | No | No | |||
| XXXX | 2368758 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5503.5 | 9.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9398.13 | Yes | Employed | Employed | No | No | No | |
| XXXX | 2705323 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7748 | 9.741 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13875.2 | N/A | Employed | No | No | |||
| XXXX | 2967883 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7395 | 9.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26798.25 | Yes | Employed | No | No | ||||
| XXXX | 2368031 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7624 | 10.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10664.41 | Yes | Employed | No | No | |||
| XXXX | 2062903 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 9845 | 8.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 55726.3 | Yes | Employed | Not Employed | No | No | No | ||
| XXXX | 2342550 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4196.5 | 8.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15785.98 | Yes | Employed | Retired | No | No | No | ||
| XXXX | 2343558 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4195 | 8.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7487.75 | Yes | Retired | Not Employed | No | No | No | |
| XXXX | 2169342 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6225.48 | 10.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66138.18 | Yes | Employed | No | No | ||||
| XXXX | 2610366 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 1695 | 9.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2070.4 | Yes | Employed | No | No | ||||
| XXXX | 2440574 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9745 | 8.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10926.32 | Yes | Employed | Not Employed | No | No | No | ||
| XXXX | 2436165 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 4915 | 9.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3704.81 | Yes | Employed | No | No | ||||
| XXXX | 2803191 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5495 | 8.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14854.17 | Yes | Employed | Not Employed | No | No | No | |
| XXXX | 2929336 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3345.5 | 10.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3340.66 | Yes | Employed | No | No | |||
| XXXX | 2729763 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 22795 | 10.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15304.37 | Yes | Employed | No | No | |||
| XXXX | 2136603 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9370 | 8.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10334.03 | Yes | Employed | Employed | No | No | No | ||
| XXXX | 2261904 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10004 | 10.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2958.41 | N/A | Employed | No | No | ||||
| XXXX | 2173939 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 17249.54 | Yes | Employed | Employed | No | No | Yes | Present | ||||||
| XXXX | 2698935 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6995 | 9.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5762.56 | N/A | Employed | Employed | No | No | No | |
| XXXX | 2782007 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5995 | 11.168 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 40878.1 | N/A | Employed | No | No | |||
| XXXX | 2974435 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6676.25 | 10.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11193.1 | Yes | Employed | No | No | |||
| XXXX | 2136356 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 5490 | 9.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18766.85 | N/A | Employed | Not Employed | No | No | |||
| XXXX | 2658978 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 4715 | 9.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5926.05 | N/A | Employed | No | No | ||||
| XXXX | 2202834 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 3390 | 10.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15886.66 | N/A | Employed | No | No | ||||
| XXXX | 2995659 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1499 | 9.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7711.04 | Yes | Employed | No | No | ||||
| XXXX | 2579916 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 3046.5 | 9.799 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 5707.97 | N/A | Employed | No | No | ||||
| XXXX | 2149496 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1735 | 12.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7234.99 | Yes | Employed | No | No | |||
| XXXX | 2032248 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 19945 | 8.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 239056.9 | Yes | Employed | No | No | ||||
| XXXX | 2003842 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1538.75 | 11.003 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 11805.18 | N/A | Employed | No | No | |||
| XXXX | 2577561 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 4260 | 8.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4358.53 | N/A | Employed | No | No | ||||
| XXXX | 2176091 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7321.71 | 10.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9573.08 | N/A | Employed | No | No | |||
| XXXX | 2672376 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 27251.33 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | 2989937 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10304.15 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | 2954054 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5078.86 | 11.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8227.69 | N/A | Employed | Employed | No | No | No | |
| XXXX | 2180215 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 3106.5 | 8.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4163.97 | N/A | Employed | Not Employed | No | No | No | ||
| XXXX | 2935181 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5574 | 10.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24565.7 | N/A | Employed | No | No | |||
| XXXX | 2730962 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4524.03 | 12.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4206.13 | Yes | Employed | No | No | |||
| XXXX | 2947669 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2499 | 10.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7137.51 | N/A | Employed | Employed | No | No | No | ||
| XXXX | 2026972 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3279 | 10.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8667.52 | N/A | Employed | No | No | |||
| XXXX | 2272231 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10859.35 | 9.991 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 15250.53 | N/A | Employed | Not Employed | No | No | No | |
| XXXX | 2520355 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3645.25 | 10.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8114.05 | N/A | Employed | No | No | |||
| XXXX | 2360649 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 11213.75 | 9.357 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 6710.41 | Yes | Employed | No | No | |||
| XXXX | 2651755 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7228 | 10.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12016.22 | N/A | Employed | No | No | |||
| XXXX | 2158803 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 16990 | 9.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20745.31 | Yes | Employed | No | No | ||||
| XXXX | 2420296 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4299.3 | 9.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4447.56 | N/A | Retired | Retired | No | No | No | |
| XXXX | 2448899 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2799 | 9.936 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 8763.98 | N/A | Employed | No | No | ||||
| XXXX | 2491358 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4601.5 | 9.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12245.76 | Yes | Employed | No | No | ||||
| XXXX | 2767635 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | No | Yes | Present | ||||||||||
| XXXX | 2594471 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9345 | 10.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 214857.63 | N/A | Employed | No | No | |||
| XXXX | 2750055 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 6514.48 | Yes | Employed | No | Yes | Present | ||||||||
| XXXX | 2738346 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 13349 | 9.396 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27917.95 | N/A | Employed | No | No | ||||
| XXXX | 2824322 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6249 | 9.252 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19154.69 | N/A | Employed | No | No | ||||
| XXXX | 2694124 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | No | No | Yes | No | No | No | No | No | No | No | No | 999 | 11.25 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4566.35 | N/A | Employed | No | No | ||||
| XXXX | 2487963 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7630.09 | 8.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27398.69 | N/A | Employed | Employed | No | No | No | |
| XXXX | 2442326 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 16695 | 9.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 78113.48 | N/A | Employed | No | No | ||||
| XXXX | 2282531 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9345 | 10.011 | Yes | N/A | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 112812.31 | Yes | Employed | No | No | |||
| XXXX | 2804237 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | No | Yes | Present | |||||||||
| XXXX | 2516829 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4722.3 | 9.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12279.15 | N/A | Employed | Not Employed | No | No | No | ||
| XXXX | 2178063 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1499 | 8.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39167.66 | N/A | Employed | No | No | ||||
| XXXX | 2843705 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2195 | 9.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 11743.86 | N/A | Employed | Employed | No | No | No | ||
| XXXX | 2718436 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5072.56 | 9.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10713.85 | N/A | Employed | No | No | ||||
| XXXX | 2781015 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 3349 | 9.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3217.53 | N/A | Employed | No | No |