Vista Point Assets LLC ABS-15G

Exhibit 99.3 - Schedule 3

 

TPR Firm: Report Date: 7/7/2025
Client Name: Vista Point Mortgage Report: QM ATR
Deal Name: VSTA 2025-CES2 Loans in report: 136

 

Incenter Loan ID Client Loan ID Seller Loan ID Investor Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM 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?
XXX 337341 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 314701 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed Employed No No No  
XXX 375431 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 301671 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No     Yes   No No No No No No No       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 399071 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No     Yes   No No No No No No No       Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
XXX 394612 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 330500 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed Employed No No No  
XXX 331837 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Retired No No No  
XXX 350373 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 305704 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 381448 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     Yes Yes N/A N/A Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 363395 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed   No   No  
XXX 369027 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Not Employed Employed No No No  
XXX 360413 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed   No   No  
XXX 368992 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 356964 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 357275 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     Yes Yes N/A Yes Yes N/A N/A No N/A N/A   N/A Employed   No   No  
XXX 327624 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 305634 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 351166 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 307749 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 310789 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 364945 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes Yes No No No No No No No No     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 379848 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 370020 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 360656 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 346532 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
XXX 356768 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Retired   No   No  
XXX 373401 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 392223 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 303031 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 328998 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 358196 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 371466 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 333748 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 349105 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 367252 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 344873 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Retired Retired No No No  
XXX 330042 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No Yes     Yes N/A N/A Yes Yes Yes Yes Yes Yes Yes   N/A Retired Retired No No No  
XXX 381098 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 395246 XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt 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         No No Yes Present
XXX 362269 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 334371 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 395706 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 391682 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 360723 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 312235 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Not Employed No No No  
XXX 365928 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 374986 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Not Employed No No No  
XXX 370800 XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       Yes N/A N/A N/A N/A Yes N/A Yes N/A N/A         No   Yes Missing
XXX 345886 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 331869 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 398188 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Not Employed No No No  
XXX 362426 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 No     Yes Yes N/A Yes N/A Yes N/A Yes N/A N/A   N/A Employed   No   No  
XXX 334144 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed   No   No  
XXX 345123 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 391899 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No Yes     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 332078 XXX XXX XXX QM: Safe Harbor APOR (APOR SH) Non-QM: Lender documented all ATR UW factors Yes   No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed   No   No  
XXX 318018 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 352001 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 320874 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Not Employed No No No  
XXX 326895 XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 Yes Employed Not Employed No No No  
XXX 340319 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 379332 XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A Yes Yes Yes         No   Yes Missing
XXX 350567 XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt 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         No   Yes Missing
XXX 334194 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 326363 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 387656 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 363082 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 336255 XXX XXX XXX QM: Safe Harbor APOR (APOR SH) Non-QM: Lender documented all ATR UW factors Yes   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 365234 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed   No   No  
XXX 305878 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 349777 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 325852 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 344490 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 339966 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 320593 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 383510 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     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
XXX 355346 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 389006 XXX XXX XXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
XXX 388201 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No     Yes   No No No No No No No       Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 359317 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       Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed   No   No  
XXX 338886 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 308610 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 No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 339763 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 369351 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 308005 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 375452 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 373701 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 327020 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 306941 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 346071 XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt 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         No   Yes Present
XXX 336429 XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt 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         No   Yes Present
XXX 367443 XXX XXX XXX ATR/QM: Exempt ATR/QM: Exempt 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         No   Yes Present
XXX 320860 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 306993 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 360896 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 315988 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 378971 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 362259 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 331595 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 No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 374062 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 310385 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 318543 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Retired Employed No No No  
XXX 341505 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
XXX 328294 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 309900 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     Yes Yes N/A Yes N/A Yes N/A Yes N/A N/A   N/A Employed Employed No No No  
XXX 376863 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 351869 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 341389 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 362701 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 310878 XXX XXX XXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed   No   No  
XXX 392331 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 358856 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 303094 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 306308 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     Yes Yes N/A N/A N/A Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 360737 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     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 316946 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 318088 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 366910 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 345201 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     Yes Yes N/A Yes N/A Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 331688 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 363968 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 351016 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 306543 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No N/A Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
XXX 345454 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes N/A N/A No N/A N/A   N/A Employed   No   No  
XXX 321841 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Not Employed No No No  
XXX 378039 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       Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 386333 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 324752 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 399701 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 395767 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
XXX 399840 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
XXX 328694 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     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
XXX 316424 XXX XXX XXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Yes No No No No No No No No No No     Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A   N/A Employed   No   No  
XXX 319796 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No