Vista Point Assets LLC ABS-15G

Exhibit 99.7 - Schedule 1

 

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?
REDACTED   816724 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No Yes Yes No No No No No No No No 281 12.304 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
REDACTED   846854 REDACTED 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 1770 9.368 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   841259 REDACTED 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 4447.45 10.878 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
REDACTED   847345 REDACTED 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 4760 8.681 N/A Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   826619 REDACTED 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 6137.25 10.797 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   812697 REDACTED 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 5535.36 11.265 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   865795 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   No Yes No No No No No No No No No 430 10.255 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   Yes N/A
REDACTED   865649 REDACTED 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 3442.66 9.396 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10766.94 N/A Employed Employed No No No  
REDACTED   838585 REDACTED 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 2165 10.053 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   888685 REDACTED 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 3978.85 10.339 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   863922 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested Yes No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   814046 REDACTED 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 4901.94 9.803 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10527.09 N/A Employed   No   No  
REDACTED   813398 REDACTED 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 5208.75 11.587 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4087.02 N/A Retired Not Employed No No No  
REDACTED   820015 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 3120 11.286 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   868737 REDACTED 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 3419.11 12.242 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   851788 REDACTED 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 2064.76 9.976 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5121.91 N/A Employed   No   No  
REDACTED   803305 REDACTED 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 4669.06 13.087 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
REDACTED   834888 REDACTED 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 4455 10.828 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   870093 REDACTED 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 13544 11.02 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   862773 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   No No No No No No No No No No No 346.84 12.237 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4794.46 N/A Employed   No   Yes N/A
REDACTED   846320 REDACTED 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 1730 9.173 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   827394 REDACTED 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 3741.29 9.168 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   884591 REDACTED 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 2299 10.071 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   824403 REDACTED 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 2934.27 11.288 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   872722 REDACTED 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 3481 10.392 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   812566 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 1474 12.196 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   844439 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 2542.6 12.47 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   830500 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes Appendix Q Documentation Not Tested No No No No No No No No No Not Tested     Yes N/A N/A N/A N/A N/A N/A N/A Yes N/A   N/A Employed Employed No No Yes Present
REDACTED   896851 REDACTED 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 5432.52 10.103 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   883087 REDACTED 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 5375 9.813 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   809848 REDACTED 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 8541.5 9.232 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14419.69 N/A Employed   No   No  
REDACTED   815795 REDACTED 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 2348 10.846 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   847698 REDACTED 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 7080 10.019 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7156.86 N/A Employed   No   No  
REDACTED   843601 REDACTED 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 2577 9.496 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2861.7 N/A Employed   No   No  
REDACTED   835784 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested No No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No Yes N/A
REDACTED   864016 REDACTED 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 8668 12.036 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   889388 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 3455 11.362 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   830562 REDACTED 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 2447.6 9.76 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   874829 REDACTED 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 4918.75 10.149 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   851378 REDACTED 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 6596.23 11.439 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   865350 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested Yes No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   Yes N/A
REDACTED   892475 REDACTED 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 2295 8.931 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
REDACTED   880086 REDACTED 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 5307.1 9.495 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   814798 REDACTED 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 2877.11 8.884 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   864388 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No Yes Yes No No No No No No No No 2935.92 10.521 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Retired Retired No No No  
REDACTED   815465 REDACTED 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 2036 9.14 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A   N/A Employed   No   No  
REDACTED   830186 REDACTED 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 5625 9.172 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   875694 REDACTED 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 5757.5 10.293 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Not Employed No No No  
REDACTED   890487 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   No Yes No No No No No No No No No 1790 10.104 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   Yes N/A
REDACTED   847146 REDACTED 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 1535 9.934 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   894204 REDACTED 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 12175 10.329 Yes Yes N/A Yes Yes N/A No No Yes N/A   N/A Employed   No   No  
REDACTED   850954 REDACTED 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 1790 9.182 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Not Employed Employed No No No  
REDACTED   877572 REDACTED 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 9710 10.828 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   840466 REDACTED 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 5685 11.127 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   815591 REDACTED 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 4620 13.384 Yes N/A N/A Yes Yes Yes N/A Yes Yes N/A   N/A Retired Retired No No No  
REDACTED   821745 REDACTED 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 1063.75 9.587 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   818588 REDACTED 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 3285.1 9.661 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Retired   No   No  
REDACTED   899466 REDACTED 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 3630 9.226 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Retired   No   No  
REDACTED   892947 REDACTED 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 3890 9.19 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   876546 REDACTED 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 1100 9.56 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   872191 REDACTED 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 3915.02 11.171 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4210.47 N/A Employed   No   No  
REDACTED   878314 REDACTED 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 2194 10.474 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   803356 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Yes No Yes No No No No No No No No 6843 10.904 Yes No N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   Yes N/A
REDACTED   861148 REDACTED 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 1200 10.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   823509 REDACTED 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 9745 9.884 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   817612 REDACTED 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 2265 11.182 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2468.09 N/A Retired Retired No No No  
REDACTED   838021 REDACTED 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 6954.85 10.206 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   806159 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested No No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No Yes N/A
REDACTED   832512 REDACTED 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 5863 9.966 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   832627 REDACTED 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 3500 13.033 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   818408 REDACTED 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 1790 9.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   848217 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   No Yes No No No No No No No No No 8145 9.471 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No Yes N/A
REDACTED   875831 REDACTED 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 795 10.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   865617 REDACTED 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 3188.75 11.765 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   841296 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   No Yes Yes No No No No No No No No 2440 12.942 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No Yes N/A
REDACTED   836240 REDACTED 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 3330 9.435 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   801548 REDACTED 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 1895 8.313 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Not Employed No No No  
REDACTED   812254 REDACTED 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 1095 10.135 Yes N/A N/A Yes Yes Yes Yes Yes Yes Yes   N/A Retired   No   No  
REDACTED   859075 REDACTED 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 9500 9.918 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   829784 REDACTED 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 7095 8.788 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   819318 REDACTED 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 2194 9.917 Yes Yes N/A Yes Yes Yes N/A Yes No Yes   N/A Employed Not Employed No No No  
REDACTED   840352 REDACTED 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 3901 9.45 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Retired Retired No No No  
REDACTED   851074 REDACTED 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 3094.95 10.451 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   887679 REDACTED 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 2390 9.403 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   869440 REDACTED 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 3334 9.285 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Not Employed Employed No No No  
REDACTED   816697 REDACTED 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 3890 11.183 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
REDACTED   812221 REDACTED 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 3123.33 9.942 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   873283 REDACTED 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 1000 13.593 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
REDACTED   829423 REDACTED 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 11102.96 10.467 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   885761 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested No No No No No No No No No Not Tested     Yes Yes N/A Yes Yes No N/A Yes Yes N/A   N/A Employed   No   Yes N/A
REDACTED   824119 REDACTED 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 2542.08 9.177 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   822960 REDACTED 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 2720 9.23 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
REDACTED   887718 REDACTED 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 3959.8 9.316 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   876325 REDACTED 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 2585 13.932 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes   N/A Retired   No   No  
REDACTED   816863 REDACTED 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 0 11 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   822034 REDACTED 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 4690 10.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   832333 REDACTED 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 3050 9.494 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   882755 REDACTED 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 11790 9.488 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   804845 REDACTED 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 8580 9.276 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   845134 REDACTED 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 7375 11.357 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   833853 REDACTED 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 2194 9.312 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   845599 REDACTED 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 5245.9 10.246 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   899010 REDACTED 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 3422.87 12.471 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   890620 REDACTED 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 5915 8.98 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   821864 REDACTED 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 8030 11.55 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 102539.12 N/A Employed Not Employed No No No  
REDACTED   827201 REDACTED 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 3078.63 13.023 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   889194 REDACTED 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 2200 10.172 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   869799 REDACTED 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 5795 11.958 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   816023 REDACTED 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 9494.04 13.89 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   809932 REDACTED 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 5157 11.918 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   829421 REDACTED 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 3682.2 10.022 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   811968 REDACTED 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 2825 9.804 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   868177 REDACTED 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 4861.34 10.013 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   864499 REDACTED 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 1535 9.619 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   809924 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested Yes No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5400.2 N/A Employed   No   Yes N/A
REDACTED   866157 REDACTED 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 2200.45 10.509 Yes Yes N/A Yes Yes Yes Yes No Yes Yes   N/A Employed   No   No  
REDACTED   878471 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Qualifying DTI Exceeds 43% Yes Yes Yes No No No No No No No Yes 4474 10.311 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3919.11 N/A Employed Employed No No No  
REDACTED   880063 REDACTED 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 795 8.982 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   883664 REDACTED 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 495 9.681 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   824626 REDACTED 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 10645 10.013 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   862405 REDACTED 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 10595 10.274 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   894935 REDACTED 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 14911.58 10.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24973.79 N/A Employed Employed No No No  
REDACTED   816564 REDACTED 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 634.95 9.338 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   865790 REDACTED 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 1953 9.487 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   813971 REDACTED 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 Yes N/A N/A         No   Yes Present
REDACTED   822485 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested Yes No No No No No No No No Not Tested     Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A   N/A Employed Employed No No Yes N/A
REDACTED   853830 REDACTED 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     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   880208 REDACTED 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 5872.5 10.057 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   893816 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No Yes Yes No No No No No No No No 2484.5 10.882 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   848679 REDACTED 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 5865 11.425 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6428.65 N/A Employed   No   No  
REDACTED   844283 REDACTED 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 2850 10.386 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   881541 REDACTED 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 1436.8 9.514 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   880345 REDACTED 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 4260 12.105 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   811461 REDACTED 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 4442 12.627 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5473.73 N/A Employed Not Employed No No No  
REDACTED   834695 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested No No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8168.32 N/A Employed   No   No  
REDACTED   862723 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 1455 10.275 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5539.64 N/A Employed   No   No  
REDACTED   814349 REDACTED 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 9898 8.925 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   806854 REDACTED 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 593.19 10.121 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Retired   No   No  
REDACTED   860308 REDACTED 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 3390.4 10.062 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   898847 REDACTED 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 4208.09 11.6 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   854860 REDACTED ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No Not Tested     Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
REDACTED   890178 REDACTED 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 9395 10.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   810630 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 822 9.637 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Retired Employed No No No  
REDACTED   824966 REDACTED 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 11495 11.304 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 20027.42 N/A Employed Not Employed No No No  
REDACTED   873359 REDACTED 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 8489 9.197 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Retired Employed No No No  
REDACTED   890676 REDACTED Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption DTI (DTI RP) Yes APOR Threshold No Yes Yes No No No No No No No No 1672.5 10.968 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Retired   No   No  
REDACTED   817405 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Qualifying DTI Exceeds 43% Yes Yes Yes No No No No No No No Yes 6838.39 10.811 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   848574 REDACTED 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 2987.36 9.485 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes   N/A Retired Retired No No No  
REDACTED   847456 REDACTED 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 4130 10.544 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes   N/A Retired Retired No No No  
REDACTED   896348 REDACTED 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 4195 8.94 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Not Employed Employed No No No  
REDACTED   894173 REDACTED 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 1500 9.569 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   869715 REDACTED 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 3332.25 13.418 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   830741 REDACTED 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 3278 10.042 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   898227 REDACTED 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 1898 8.419 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   860285 REDACTED 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 4045 9.973 Yes Yes N/A Yes N/A Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   819861 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Qualifying DTI Exceeds 43% No Yes No No No No No No No No No 2374.38 9.983 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5642.15 N/A Employed   No   No  
REDACTED   849902 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded Yes No Yes No No No No No No No Yes 5645 10.832 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   841110 REDACTED 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 1695 10.744 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Not Employed Employed No No No  
REDACTED   850389 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Qualifying DTI Exceeds 43% No Yes No No No No No No No No No 495 9.807 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   881601 REDACTED ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       Yes N/A N/A N/A Yes N/A Yes Yes N/A N/A         No   Yes Present
REDACTED   856846 REDACTED 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 3915 9.333 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 49678.17 N/A Employed   No   No  
REDACTED   839874 REDACTED 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 930.05 10.168 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   824555 REDACTED 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 2490 11.923 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   885247 REDACTED 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     Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   Yes N/A
REDACTED   851599 REDACTED 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 3420 9.499 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   857052 REDACTED ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
REDACTED   850608 REDACTED 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 7180 11.305 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4607.04 N/A Employed   No   No  
REDACTED   889817 REDACTED 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 1895 9.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10240.49 N/A Not Employed Employed No No No  
REDACTED   829391 REDACTED 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     Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   838568 REDACTED 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 2942.05 10.135 Yes N/A N/A Yes Yes Yes Yes Yes Yes Yes   N/A Retired   No   No  
REDACTED   856155 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 3175.59 11.315 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   817541 REDACTED 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 1700 9.264 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   877543 REDACTED 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 1745 9.066 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   850780 REDACTED 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 Yes N/A N/A         No No Yes Present
REDACTED   816442 REDACTED 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 4975.42 12.3 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Employed No No No  
REDACTED   818847 REDACTED 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     Unknown Unknown No No Yes Present
REDACTED   868065 REDACTED ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
REDACTED   866313 REDACTED ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
REDACTED   837365 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 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   Yes N/A
REDACTED   828421 REDACTED 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 5995 9.14 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   816671 REDACTED 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 8207.12 13.287 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   845404 REDACTED ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
REDACTED   821210 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 3050 10.529 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   876592 REDACTED 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     Yes Yes N/A Yes Yes N/A Yes Yes Yes Yes   N/A Employed   No   Yes Present
REDACTED   896866 REDACTED 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 2690 9.583 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23025.75 N/A Employed Employed No No No  
REDACTED   889735 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Qualifying DTI Exceeds 43% Yes Yes Yes No No No No No No No Yes 23595 10.415 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed Not Employed No No No  
REDACTED   858849 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes Appendix Q Documentation Not Tested No No No No No No No No No Not Tested     N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   Yes N/A
REDACTED   863139 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested No No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   Yes N/A
REDACTED   848045 REDACTED 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 4320 8.077 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No  
REDACTED   808482 REDACTED 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 2589.16 9.454 N/A Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   852095 REDACTED 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 3110 9.696 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
REDACTED   844562 REDACTED 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 4324 10.524 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
REDACTED   836831 REDACTED 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 2999.75 12.008 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Retired   No   No  
REDACTED   808352 REDACTED 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 5570 9.637 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   849847 REDACTED Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold No No Yes No No No No No No No No 2588.45 10.035 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
REDACTED   838232 REDACTED 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 3225.32 10.193 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed Employed No No No  
REDACTED   873543 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested No No No No No No No No No Not Tested     N/A Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   Yes N/A
REDACTED   815201 REDACTED Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Yes   Not Tested No No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   Yes N/A