Exhibit 99.14

 

Loan ID Investor Loan ID Seller Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
4000054223 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A Yes Yes N/A N/A Yes Yes N/A xxx N/A Employed   No   Yes Present
4000053705 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested 26745 7.316 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000056578 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000059307 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested 9350 7.323 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000057896 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2645 7.583 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000058958 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Not Tested 23000 9.006 Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000056559 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Not Tested 9383 8.997 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000057380 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested 6970 7.502 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000058957 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 17492 7.628 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000058949 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested 8120 8.024 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000057949 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000058812 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 1350 8.525 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000059046 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 11595 7.049 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000059726 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No Not Tested   8.383 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000059537 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested 9502.76 7.025 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000059168 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 15975 7.433 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000055776 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000060079 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested 13595 8.594 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000059158 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 1745 7.544 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000058906 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000060181 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 10150 7.321 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000060578 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No Yes 16270 7.688 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000060114 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No Not Tested 8954.87 8.74 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000059795 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000061794 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No Not Tested 20670 8.641 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000062347 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested 9426.25 8.134 Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000050738 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000064825 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Not Tested 11182.5 7.034 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000063935 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0   Unknown   No   Yes Present
4000062351 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No 4475 8.789 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000059081 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Yes 15100 8.803 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000065355 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4557.4 8.057 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000061776 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No No 2692.85 8.397 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000066008 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000067765 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000070086 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10421 8.632 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000060622 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000070570 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Not Employed No No Yes Present
4000068632 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000068431 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000070556 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5845.2 7.196 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired   No   No  
4000070244 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9135 7.171 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000070389 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1594.5 7.274 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000070526 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx Yes Employed   No   Yes Present
4000068071 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000067693 xxx   xxx QM: Safe Harbor GSE Temporary (GSE SH) QM: Safe Harbor GSE Temporary (GSE SH) No   No No No No No No No No No No No 2580 8.083 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Employed No No No  
4000068054 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Not Employed   No   Yes Present
4000069997 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000068378 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1520.25 7.651 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Retired Not Employed No No No  
4000067942 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000067913 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Not Employed Not Employed No No Yes Present
4000071195 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074339 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 18916 7.201 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Employed No No No  
4000074252 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7099.12 7.456 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Not Employed Employed No No No  
4000072297 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074323 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No No 3710 7.829 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000068303 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes No No No Yes No No No No No 1798 8.027 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed   No   No  
4000070519 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 4291.13 7.319 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Not Employed No No No  
4000074567 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073149 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7185 7.06 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx Yes Employed   No   No  
4000073578 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 20950 8.052 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073289 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 28218.75 7.425 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000073783 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073294 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000067021 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No Yes No No No No No 2270 7.013 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000070728 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1795 7.39 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000071918 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 21645 7.23 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000069412 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074340 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 19000 8.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000071455 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Not Tested Yes No No No No No No No No Not Tested 3815 7.867 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Retired Employed No No No  
4000073147 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 4640.31 6.951 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000067263 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000072231 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 31245 6.627 Yes Yes N/A Yes Yes N/A Yes Yes Yes N/A xxx N/A Employed Employed No No No  
4000073455 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000072846 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000072414 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074910 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7482.75 7.032 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000071837 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1532 7.463 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074884 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074429 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073151 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 11360.95 6.844 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073154 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000073067 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 15324.38 7.173 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000073152 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10595 7.047 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074110 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7299 7.445 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073814 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5897 7.047 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000074312 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 20450 7.789 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000073158 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5890 6.795 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073135 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 9625 7.319 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000070767 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000071386 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 14020 7.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No  
4000074150 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7889 7.312 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074426 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000074160 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 10132.5 6.97 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074303 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000074414 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 19575 7.689 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000073950 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000073120 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5575 7.041 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073170 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No Yes 25990 8.612 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000072445 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6238 7.445 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000069614 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000071528 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 8826.8 7.648 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000071299 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073669 xxx   xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No No No No No No No No No Yes 22632.25 8.013 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073918 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No No 4212.81 8.658 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000075516 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 15045 6.916 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000073069 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 13040 7.122 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000073780 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000070510 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074913 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4815 8.068 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075680 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000075752 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 13792.5 7.476 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074074 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6145 7.742 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000075600 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3768.75 7.672 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075757 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3040 7.159 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075622 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 25015 7.246 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074422 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000075634 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No No 11845 8.55 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075597 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No No 17790 8.235 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075639 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No No No No No No No No No No 20087.5 8.426 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000072559 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A Yes N/A xxx N/A Employed   No   Yes Present
4000068649 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 1745 6.681 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Unknown No No No  
4000074812 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000071442 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000074248 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000072546 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1719.65 7.558 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Employed No No No  
4000073947 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000073008 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000074432 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 13350 7.914 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000071109 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073755 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000074396 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1870 7.293 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075662 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4143.44 7.331 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073659 xxx   xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No No No No No No No No No Yes 23317 8.079 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074162 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 16850 7.409 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074581 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 11100 7.663 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000072416 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000074411 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No 2850 8.492 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074478 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 14015 7.718 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073584 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 13691.25 7.805 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074564 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8249.25 7.636 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000075754 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 17100 7.892 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000073704 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074082 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2520 8.182 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075676 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073221 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000072443 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7410 7.378 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000072823 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A Yes N/A Yes Yes N/A N/A N/A N/A N/A xxx N/A Retired   No   Yes Present
4000073754 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 10339.38 7.332 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000075248 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No Yes No No No       N/A Yes N/A Yes N/A N/A N/A N/A Yes Yes xxx N/A Employed   No   Yes Present
4000072825 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073613 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2350 7.384 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073848 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3357.5 6.839 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000072642 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000075124 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 44350 7.932 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000075660 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 42781.5 7.895 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073576 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No No No No No No No No No Yes 34734.38 8.617 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000072222 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073108 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 3895 7.339 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000073896 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 21995 7.386 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000074051 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 15203.06 7.562 Yes Yes N/A Yes Yes Yes N/A No Yes Yes xxx N/A Retired   No   No  
4000073418 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000075547 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 1980 6.802 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000074154 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No 20170 8.641 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074165 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8845 7.474 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
4000074166 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3354.6 7.736 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073281 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes No No No No No No No No No 1350 8.363 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073254 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2225 7.475 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074744 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 12127.5 7.736 Yes Yes N/A Yes Yes No N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073518 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3144 7.324 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075716 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074558 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No No 10550 8.837 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075521 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000074734 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074587 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No No 8600 8.852 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073257 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No No No No No No No No No No 1350 8.414 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000071915 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074578 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No No 7550 8.839 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073103 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000075109 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000076686 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073845 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 8587.5 7.65 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074563 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No No 10091.25 8.788 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073156 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000076681 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000076752 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000075468 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1690 7.29 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired   No   No  
4000073759 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000072513 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000073877 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
4000074326 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000077503 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 6195 7.337 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000072952 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 27127 7.296 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
4000075244 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes Yes N/A xxx N/A Employed   No   Yes Present
4000057720 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2377.5 7.878 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074555 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000075271 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 2290 7.014 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075824 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 27390 7.274 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000074238 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074772 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000075285 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000075017 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable Yes     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000068420 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000072058 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No No 2270 6.889 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
4000076272 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6282.8 7.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000072493 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000074540 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 13207.5 7.774 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000075508 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No Yes Yes No No No Yes 57682.5 7.045 Yes N/A N/A N/A N/A Yes N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000074420 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 12790 7.27 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Not Employed   No   No  
4000072567 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 2770 7.095 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed Employed No No No  
4000076349 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000076346 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No No 17350 7.596 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075723 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6145 7.55 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000069774 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000074751 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000076149 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000076376 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7715.24 7.639 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000073988 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000076372 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10346 7.243 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074753 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000076072 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000067490 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000075242 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1570 7.066 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired   No   No  
4000067863 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000074461 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3144 7.638 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075902 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A Yes Yes N/A xxx N/A Employed   No   Yes Present
4000075960 xxx   xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No Yes Yes No No No No No No No No 9395 8.544 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000076370 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 9940 7.467 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074217 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000075874 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000076364 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 12470 7.023 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000074477 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000074591 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000076232 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000076227 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Not Employed Employed No No Yes Present
4000075694 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000078104 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 44959 7.321 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000075793 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000075958 xxx   xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No Yes No No No No No No No Yes 19126.26 8.49 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075030 xxx   xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No No No No No No No No No No 1621 7.739 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000077702 xxx   xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No Yes No No No No No No No No Yes 12143 7.824 N/A Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Retired   No   No  
4000075018 xxx   xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No Yes No No No No No No No Yes 9357.5 8.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000075022 xxx   xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No Yes No No No No No No No No 8795 8.584 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No