Client Name:
                                      
Client Project Name:
TPMT 2025-CES3
                                    
Start - End Dates:
1/24/2025 - 4/25/2025
                                  
Deal Loan Count:
1,194
                                    
                                       
                                       
Rating Agency ATR QM Data Fields
                                      
                                       
Loans in Report:
1,194
                                    
                                       
RedactionID
Loan Number
LoanUID
Loan Level ATR/QM Status
Application Date Prior to 1/10/2014
TRID Indicator
Lender Application Date
Broker Application Date
GSE Eligible
QRM Flag
ATR/QM Total Points and Fees
Rate Lock Date
APR
Bwr 1 Employment Indicator
Bwr 2 Employment Indicator
Bwr 1 Foreign National Indicator
Bwr 2 Foreign National Indicator
Borrowers Qualified Through a Non-Resident Alien Program
Residual Income Analysis in File
ATR/QM Residual Income
657F566B-1656-4DAD-887F-0024DDF27F62
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1977.5
XXXXXX
9.1645
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EDA6E696-D261-494C-B0B9-988C4C8F0307
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1440
XXXXXX
8.3073
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3202BFA8-916E-4DE0-8484-37FA75DE32F1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2499.5
XXXXXX
8.6932
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
24FD6867-9430-40B4-948B-56CECB40A600
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3204.9
XXXXXX
10.6531
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
77589C0F-A89F-4DE9-B9B6-0DF8BAFD286B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1878.13
XXXXXX
10.0498
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
031FD757-79C7-4537-BE96-BD20FE00A05F
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2482.9
XXXXXX
10.7015
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
86C3113E-7969-4ACA-A2FA-19B4DC5F066F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
995
XXXXXX
8.0841
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
32BEB624-9D27-43F2-9A48-DA6B77E95591
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
740
XXXXXX
8.7075
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D3B2561F-7524-41C5-A0D6-936386D60AF4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
55
XXXXXX
8.1343
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D4E51F25-B176-40DF-A073-4F75D96BC0E3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1800
XXXXXX
9.3397
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6CBCA39A-6EED-421B-A915-3A85C2D535AC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1730
XXXXXX
8.3797
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
25069CEC-7EB1-49B9-913B-B321A7EA72BB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1093.59
XXXXXX
8.1868
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
30AC1068-9A63-4EAD-95B6-979C067A7864
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
8.0105
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B04F05F3-E1CA-4892-900E-B909BAAC4A36
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1936.25
XXXXXX
9.0337
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6D52EFF0-62B8-4D5E-8B35-329B7F7DD589
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2440.2
XXXXXX
8.9613
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0585163D-D482-4134-8094-5312238069D5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
7.941
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
304BB425-FF88-44EC-A6B0-DDF7153FFA06
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
8.7503
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6F3E36DA-751C-440F-83DA-BB4A628A1064
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2105
XXXXXX
9.7452
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B319E268-2C1A-4FE3-8BA0-73858A53BEC0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2684.99
XXXXXX
8.1492
Unemployed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A05DAA29-91BA-4F31-B6D5-9F1064C347B0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2330
XXXXXX
9.0479
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6F90928B-BA9C-4B09-BE42-228627DFD5D9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2097
XXXXXX
8.3957
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A3DFB3D7-B653-4A7E-8B9F-AEFC051DA63E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2948.75
XXXXXX
9.748
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1F95BCB2-39CA-48F7-8C3B-F84382263F6E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1731
XXXXXX
9.3416
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B96C9F02-0765-492D-A20F-9A2C0E4DCCCE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2825
XXXXXX
9.5133
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0EBE85E0-529E-4A9E-8E86-A1519B7CCE31
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2308.27
XXXXXX
9.4052
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
56D19D96-682A-4325-9858-624AC9EC06EF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1620
XXXXXX
9.1017
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
88F649F0-8A2D-4A10-8AA9-2F3DDBB138BA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1470.94
XXXXXX
9.249
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BF2D089C-F7A5-4A09-8D97-EE099B0A5522
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
480
XXXXXX
8.1348
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
13E54080-D68B-4DFE-94B2-4CEA530B06F5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
8.0584
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
063B49F9-B305-40D5-A6CE-F998F898AD54
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1836.25
XXXXXX
8.3521
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1391C9B9-5A6E-44EF-B54E-D2C24DCB8482
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
8.2498
Employed
(No Data)
Permanent Resident Alien
(No Data)
(No Data)
No
0
11D60A75-B65C-4AB8-873E-A5657C8D7E99
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
8.5001
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
47429F63-18C8-4625-9E03-E82F20012D83
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
312.5
XXXXXX
9.0367
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6C4F68B2-6D25-49AB-8155-337F9BBEAF5C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1730
XXXXXX
8.2701
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
40BACC51-DE2A-4C12-AD14-251F9BE31580
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1785
XXXXXX
8.1463
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BEC7AD5E-04FB-4C15-8B09-E0D7E4DDC280
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
9.3055
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
92849A86-2C21-4E61-A5C1-215A8B0C369B
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors   
No
Yes
XXXXXX
XXXXXX
No
No
7065
XXXXXX
10.3761
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AF8035E7-C2AF-4AAA-87C5-CAEA9480080F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1775
XXXXXX
8.4749
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B04B5798-8D62-42DA-A134-6B9B279371B6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1353
XXXXXX
9.2587
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
140EF083-5999-459F-9674-06D88AD5A569
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
750
XXXXXX
8.1377
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
35473793-F558-4B09-828E-8D2BE10BA4CB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1980.25
XXXXXX
8.8844
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7DB9B9B7-CDDC-4752-A9EA-C7F47E5B9E50
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
8085
XXXXXX
8.8386
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
773E984D-42A1-4477-943C-7C805B8B5EFC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4306.6
XXXXXX
8.3816
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7C526479-4B32-4129-808E-966C90853942
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1525
XXXXXX
8.3488
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
70806F32-CDC1-4DC6-9292-08A9BC5FBC93
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
290
XXXXXX
10.0601
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
ADA199DC-93BF-4471-B7CA-6A9E5F11A726
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
8.0003
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
75128C72-F824-4D1B-B2B2-06A9DE662F86
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1027.11
XXXXXX
9.636
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DFEAC69D-72A6-471D-9B10-E0DC79898510
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
2515
XXXXXX
10.1373
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3B955C11-0FA1-4231-B5CC-F60722B18167
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1195
XXXXXX
8.3376
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
207135F8-16A7-48E5-AF64-BB06C71FE175
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2386.25
XXXXXX
8.5082
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
73C7E147-FB40-4452-8C5F-75CE10721BAB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2925
XXXXXX
8.1335
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
091853AF-5027-42BF-B583-FF97D38CFE17
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
5395
XXXXXX
9.4494
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2D0B8286-6320-4CC3-8CEE-59991FDF9F63
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2938.49
XXXXXX
9.5194
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
614FAD83-E111-4B4F-81DC-1A16B09D01B9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1557.2
XXXXXX
8.2604
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A4AECA0E-41AA-43A6-84A3-D1D1717C7414
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1903.02
XXXXXX
8.4837
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E19A7F3E-1E90-4EA2-8C85-E206C1BCEC19
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3739.51
XXXXXX
9.7065
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A1980F08-C070-46AA-A731-1874B4892469
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2659.97
XXXXXX
8.5938
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
223A0AFF-62D7-4425-B021-64E286EFAB09
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1043
XXXXXX
8.3719
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D59026CC-7F1D-468D-9B8D-EE379C1C4A1E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
985.65
XXXXXX
8.6192
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A33492EC-B7A2-4D61-8845-4CB0F54D1589
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2336.14
XXXXXX
9.1728
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
41A19CDD-3C05-47CE-A322-BB9D468A8E8A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1880.94
XXXXXX
8.6055
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
977612A5-46E8-4727-9C9C-676946CDAB14
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3399.14
XXXXXX
8.6302
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D02A3270-00C2-4AC4-A55D-939767C3EA8C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2342.03
XXXXXX
9.4878
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1E0C23E8-91B7-4B53-9663-3BC5B6937003
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2505.4
XXXXXX
9.1061
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3E4CCF3B-A355-447A-A828-A58735103BC6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2761.52
XXXXXX
9.2803
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
358DC64D-35F0-4077-BFAB-00F6D0E39272
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1100
XXXXXX
8.1354
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0B01C006-5B5D-4157-B473-5FBB1A3084D2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2800.8
XXXXXX
8.8987
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
AC8546DA-5809-4FB0-BFF8-E086FA041570
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1285
XXXXXX
8.298
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3618F20C-A52C-47E1-9035-25AC4463EF8D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3997.5
XXXXXX
8.7478
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
438A29BD-677E-42B0-9D18-E4A1EC3719CC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
816.27
XXXXXX
8.7705
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
34CAB84E-6A4C-4C98-993A-35231DCBB5D7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1876.61
XXXXXX
8.2314
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BD421995-CD3F-4252-B056-C7FCDF20C6FA
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1447.5
XXXXXX
10.4412
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0E903257-7A2B-404B-A026-B494EB998B38
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1638.48
XXXXXX
10.219
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AF660E34-31A5-498E-B410-9F6D0EDCF195
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1332.4
XXXXXX
8.2986
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EDD1E57B-9719-4B09-ADDA-3A8D4B2676FC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2988.32
XXXXXX
10.0121
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
83C69E1E-22DE-40D2-98B5-279541C3E109
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2012.83
XXXXXX
8.8175
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2A3C759B-FECB-4759-9C1D-BF17012DE872
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1634.02
XXXXXX
8.499
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C138FC8C-2A2F-45B4-837B-B3387A558039
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1339.51
XXXXXX
8.3147
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9CA0EB65-1868-4F69-9F65-BBC7A49B67AC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2207
XXXXXX
9.5819
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BDCF269F-7121-444B-A600-6A27C63B307A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
993.55
XXXXXX
8.9849
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
69931B05-29F3-4603-8E40-4279B7378D53
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1218.4
XXXXXX
9.788
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2341C904-20F5-47A8-B3D0-87ED579626D1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
9.4188
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
214D8C7F-3E25-48E1-9FEB-E5D1D734170E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
993.75
XXXXXX
9.1868
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9A8509E9-5905-4953-ADD3-CCB1FEF4DDB2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1102
XXXXXX
9.3073
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D56720CA-973A-4AB8-A618-1F3B12E94297
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.3002
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C64F52ED-7C8C-489F-B339-28C194548011
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3967.73
XXXXXX
8.724
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A31F1020-6B1E-4E7D-A2FF-03D3B5E6B341
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.212
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C33335DF-B692-43F9-B00D-AC67DD1F0458
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4325.22
XXXXXX
9.0663
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B44AD0C0-ADD0-4FE7-BAFB-B5171469E5DF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1441.01
XXXXXX
8.7391
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
88D405B6-1F1D-42E3-9264-5C8812F8C890
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1546.5
XXXXXX
8.4792
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B38DEC59-B08D-42B5-B795-384EF21F053C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1899.02
XXXXXX
8.585
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B6BBCA4D-63DC-40E3-85CB-291BD2B858D0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3036.1
XXXXXX
8.6338
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7748157C-C6C7-4510-85D0-B2D537A7A2C9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2995.5
XXXXXX
9.6669
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
30C65F0F-B43D-433A-937C-6C055050EE78
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3752.72
XXXXXX
9.225
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3DD214C6-7BCB-459A-908B-96AB8984005C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1270.98
XXXXXX
8.7613
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E79DA6F5-8C28-458B-A4B9-65C65C30EB45
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1804.09
XXXXXX
8.3478
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AA513078-C1CB-4EBB-8DB0-524CB157614C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2012.01
XXXXXX
8.3005
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
066BE902-5AB0-4EC7-B0F7-E67DB7085346
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2892.72
XXXXXX
8.379
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
70FD0BB1-1BCC-4877-A983-8FD10F8755B1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1144.67
XXXXXX
9.7199
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
AE905178-FDFF-40BA-8F63-BA414777D925
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1406.01
XXXXXX
8.5254
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
230E67BB-9BE4-4177-BA67-AC4BE2320F58
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1640
XXXXXX
8.4195
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D27FCBB2-94AC-4517-8DF5-BABE9BF88D91
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1980.1
XXXXXX
8.9932
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D899F1FA-464F-4F08-BF73-E9EDD249E03D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1883.02
XXXXXX
9.0319
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
84327D3D-EBCE-4F7F-830A-C45E93B31339
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3990
XXXXXX
9.7736
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A00E87C6-F869-4A9A-81FD-2B7DA1A2D4A4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1557.02
XXXXXX
8.6441
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7013A729-DFCB-4283-800F-AF599F4F6255
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3451.25
XXXXXX
9.3039
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
865D0A3F-BC2F-4ADB-8CBB-294B02B32110
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2465.4
XXXXXX
9.5424
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
39DAE618-9B5A-46BE-B8DA-C3F6D07DDB13
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
912.5
XXXXXX
8.4413
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6212D33A-F605-45C6-B616-52E85D502F54
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2051.4
XXXXXX
8.4021
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B88E4EF0-A81E-4397-AEBD-956FDC1FF7B1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1858.01
XXXXXX
9.011
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BC8BA8FD-1264-4037-9386-F81BD7233C01
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2630.4
XXXXXX
9.4498
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
21B0F478-8563-425E-AC29-D93551B83D59
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2244.03
XXXXXX
9.0706
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
42CEDBE3-B4CA-4AE1-B0BB-EACE9C275ABF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1200
XXXXXX
8.5313
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B70D20F3-3256-4E14-9854-49D9DE0AD04B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1907.87
XXXXXX
9.2698
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
98DB31AD-E738-4B4F-969E-4A60FFDC6223
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5286.2
XXXXXX
8.8613
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
868E2978-F4EE-4A66-961A-0CD10906B847
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.1313
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1FDC9A46-B3AF-4D8D-9346-3132EB0E9FC2
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
885
XXXXXX
10.1989
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D180CC80-F494-4826-A9BE-3EE703A2DAFC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3483.02
XXXXXX
8.4796
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
ED7B71C0-7224-452E-B282-E0686D66ED72
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2088.53
XXXXXX
10.8285
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7D86DC9E-1DC0-4C84-8BFA-F0FAAD57B5FB
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
7138.4
XXXXXX
8.6838
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
302761D1-E674-4816-8AB7-DCB9A8FE5905
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2337.5
XXXXXX
8.4369
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F7313C63-04B3-47A6-89C9-9C4B1C22792C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2083.9
XXXXXX
8.2964
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
93EFDBDB-1172-4992-ADBD-4D65B4FDD696
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4110.5
XXXXXX
8.9474
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5F30E6A1-7D3D-4D5A-A45E-1909BCEA6734
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2487
XXXXXX
9.0476
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A2E534E0-CD5C-4C45-BEA8-602DF9F7B6C4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.3458
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1D6685A3-D56E-422F-B484-4E79374F6AFE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2454.49
XXXXXX
9.8104
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E1233CB8-F8BA-48DA-A286-E965C07C5BDC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
790
XXXXXX
9.5533
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
842B99C3-AB22-46AE-8E23-91DD5470B7ED
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2542.26
XXXXXX
8.572
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B64735F4-A37D-49ED-981B-CC1708BE8942
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2993
XXXXXX
8.7596
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B222DA72-38CD-4A3F-AAA2-B13A21F5DA15
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1871.02
XXXXXX
10.0819
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E15AEF6E-4F13-4445-8F4A-779C2E4C38F0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1003.58
XXXXXX
9.8103
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8C5A0AAC-0EF0-49D1-8017-5DB88494FD8E
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2061.02
XXXXXX
11.3859
Employed
(No Data)
Permanent Resident Alien
(No Data)
(No Data)
No
0
36FDC18B-09DD-4A62-B7F2-CAF622150C40
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1165.79
XXXXXX
9.8061
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
24BCE2FF-DA31-4E84-A0A3-5F613FE1A51E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2182
XXXXXX
9.7713
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A20556A0-678B-4C5C-9492-1AD20F108F20
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1127.56
XXXXXX
9.0937
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
55FC3D1F-FF53-49F4-BE3C-94BD84458A7B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1850
XXXXXX
8.6461
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0089211D-069A-46FE-A402-7AECD5015A55
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1200
XXXXXX
8.6289
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F25BE95E-B2DF-418A-9AC9-A8BFC8D7A5E7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1942.52
XXXXXX
9.6522
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1CA975F6-8D59-4792-90B4-6AF7003CE3EF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2324.03
XXXXXX
8.6472
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
762FE6D8-4011-4E6E-9213-0FCC314B5DD6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2738.62
XXXXXX
8.9598
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
Yes
0
5E7747CA-6B7E-4F58-90F5-C96028EDD352
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1526.31
XXXXXX
9.4254
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
24A9F37B-B449-4F1E-A167-A22010759177
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2130.78
XXXXXX
9.0696
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
399000F2-0020-496C-A836-A05B3858627B
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2366.53
XXXXXX
10.6547
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EC8A0742-FD96-4DE3-BFF1-BBEFCCB5EBBB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
924.13
XXXXXX
8.3669
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F18AB866-5E3F-4FF9-B453-472432088829
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2280.8
XXXXXX
9.9491
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
47242982-1E17-4FBC-B162-DDC1BD0CF2C7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2353.8
XXXXXX
9.968
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
614BF11B-4A16-4686-B9CA-AC0381020BC5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1985.5
XXXXXX
9.6275
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
96402EAF-2934-4B70-94A8-39F663594EC4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.7313
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E4371002-9BF2-42BE-B91E-76CDA6F094CD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3486.4
XXXXXX
8.6456
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D8EB3B10-2CBE-4A45-9138-2B4FD4C425CF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1647
XXXXXX
8.9225
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DE93FA88-49E7-473D-9A65-80D0048AACB6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1650.03
XXXXXX
8.7146
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5EC2EDDB-9484-4811-BFBB-F4B19734C563
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
869.19
XXXXXX
8.352
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4BAF851C-BC87-4C02-92A1-57EB8350E95B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3936.24
XXXXXX
8.7371
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
329218A8-29FF-40D1-B94D-D8920E1E391A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1986.52
XXXXXX
9.1876
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0A5910C0-AD94-405F-BC09-4ECDEA4B3A3D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1739.06
XXXXXX
8.3558
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
AAF6523F-E743-46A7-961E-3694DB3949C9
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1607.25
XXXXXX
10.6404
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1D5BB284-1F47-4A41-AB8C-B86360E9775B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2223.86
XXXXXX
9.3989
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3B6EC6AC-ADE9-4C49-8EEA-81C17034464E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3119.6
XXXXXX
8.3565
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
244D11E9-951D-42CB-88BA-9C93C971B6B5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3076
XXXXXX
8.8426
Retired
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
816B24BB-D139-454C-8012-25E32E6A6F50
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
935
XXXXXX
8.3561
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2AEDAB1A-7E68-49E2-B7D7-E1364213FDF0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1015
XXXXXX
8.2009
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2790D416-FFE5-482B-95A3-7601402EF2EC
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5476.22
XXXXXX
8.7504
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
84D48564-2EC3-4143-BC0B-7983A4610399
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1404.5
XXXXXX
8.1997
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9BFD4B02-E554-41B8-8763-C4456348894F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2325.2
XXXXXX
8.894
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FADBF4F2-77DA-4455-A46A-96BF03D216A7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2145.8
XXXXXX
9.7799
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C02EE43A-97EE-4C5C-A83A-FD7F21CFF24F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1790.05
XXXXXX
8.5327
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3BAF870C-2352-4D73-A035-8E1C00889315
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
210
XXXXXX
8.8667
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5309AE00-553D-488F-B66A-74DD9860101D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1439.01
XXXXXX
8.4692
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F569EE1F-B0AC-4E8A-A423-6F7019EB962C
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2076.03
XXXXXX
10.0495
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9C62F0FF-1FD7-46EB-9CA7-A4D8C62D3B24
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1375.03
XXXXXX
8.8575
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
62F639E3-41A8-48E9-9596-B2F9C00A2CEA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1765.52
XXXXXX
8.819
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F34F37E8-649F-4623-B9B0-95B73D6D83EA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.33
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4849B981-45AF-4124-8EDA-8F5497DD8228
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2376.02
XXXXXX
10.4259
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8BA75408-B732-48C4-919F-A6B9063B8263
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1995.96
XXXXXX
8.6156
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
516D7243-C988-4DD8-BDB3-D1415D0B746F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
830
XXXXXX
8.102
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C3CB60D7-F7F4-40EE-BA6E-D60CFE2B74F9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2156.52
XXXXXX
8.8545
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8F45F59B-6E60-459F-BBFC-91CB5598ACAF
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
9.8484
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
44A894C3-006F-4A39-BD2D-C64FE040B495
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2192.8
XXXXXX
8.5483
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
047A6E35-7B9D-469E-BBFB-9AB5D89D9DD5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1748.02
XXXXXX
8.4154
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
67832C57-2696-4362-9966-A2A713D751E2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3165
XXXXXX
9.1101
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A8EFB1D5-A2C1-425F-BF13-0FD58D015569
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1624.52
XXXXXX
9.5931
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
Yes
0
44A1E922-8F3F-44AE-9D18-EB48895B99E6
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1373.63
XXXXXX
10.1691
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AE5F9F58-54E6-4672-9E4E-33329BA1AD52
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1520.01
XXXXXX
8.5964
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
ABC6E533-30EF-4B8C-953B-81B811B3D59D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1010
XXXXXX
8.7168
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
30447012-5069-48CE-A9D5-8B9276FA2028
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
6282.6
XXXXXX
8.7976
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4894EED5-6BD7-4B73-AA59-7C6D14AD5167
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1990.75
XXXXXX
9.633
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A49E50AD-7447-473E-BEC7-F7765CBC346E
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4258.5
XXXXXX
9.5284
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
55F82BC6-AD03-4603-A0CD-28117CB03E4A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3614.56
XXXXXX
8.5414
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C7DF76FC-7D3E-456B-A0FA-5FFDBBAAAE80
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2127.9
XXXXXX
8.4971
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A95FEEB1-7B58-40AB-8B20-7CE7B41ECC25
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2883.1
XXXXXX
8.3582
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9D9ECAD9-F3C0-43E2-B014-6CC50BCB006E
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1617.52
XXXXXX
10.3096
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5FAAD5AE-1843-4F46-86AA-E568CDA01A56
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2203.75
XXXXXX
9.5231
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0CADF4BE-35EA-4B5A-9AD1-59BD52638135
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3143.5
XXXXXX
8.6105
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3850FE0E-D8E0-44F7-92B8-1759FC59EC6D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1641
XXXXXX
8.824
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
36628382-4EB2-4C5D-A1BF-1DF2E9D9D858
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3377.94
XXXXXX
9.3217
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F374A6CE-98F2-44CC-B65A-EE9F7EC2E8B9
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1821.06
XXXXXX
9.8607
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C21D17C8-3DA3-4D4D-92C9-EB705F972889
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
650
XXXXXX
8.1461
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D2AD97F1-F8E3-4E65-9418-3D80AC9BB53F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2297.05
XXXXXX
9.5132
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7FF5B7EA-E47F-4DD8-B008-513B446C192E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1887.02
XXXXXX
8.7964
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6B92855A-D801-4B01-A6D4-D47FAB72E0FB
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4200.08
XXXXXX
10.3412
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C0652071-3C86-4740-9A24-723FDB09273D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1395.51
XXXXXX
8.713
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6EF1470B-2C22-4CD9-B90C-DD125506911B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1993.15
XXXXXX
8.4973
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E33457BD-D8B7-463E-815B-E8A4FE0210B5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1241.45
XXXXXX
8.5008
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
19E784EA-33BE-4D69-94A2-9A920C737DDA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2000.03
XXXXXX
8.9061
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EF23F0A5-AD34-4EA2-B6CC-CD48ED7D4C2B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.2729
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F840E97E-3A67-4351-BB38-0440D7FE821D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2366.53
XXXXXX
9.9909
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5628E630-1C5A-4FCA-903A-4F40EA3EECBE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1921.02
XXXXXX
9.4199
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E3BB5887-98C1-47C2-8BD6-0A1E11055AC2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2038.9
XXXXXX
8.798
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CED83CD8-DE83-4806-9650-D7EAAD999BF2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3868.1
XXXXXX
9.1271
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8C0E1365-52E4-4AE7-9A30-635A4B0E80E8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.6413
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
46DFC422-FB69-45A2-8218-CC57BAE88F14
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2051.01
XXXXXX
8.3239
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D0F76D36-340A-4D3A-91FA-58B242E62BEA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1717.8
XXXXXX
8.9966
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CEBB3354-E3C5-4DC8-960D-157969F637E9
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
6118.2
XXXXXX
9.5851
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2DDD3694-6FBE-4080-AC3E-C29AF60DF8E3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1932.52
XXXXXX
9.0965
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3E90B128-B506-4985-B6FB-BE3819BCC475
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5779.26
XXXXXX
9.7869
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
88A638C7-2232-4838-A206-7A929921E751
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4586.66
XXXXXX
9.7696
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
65A19F41-32E8-458F-9B8D-3715EAC05DC8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
950
XXXXXX
9.9084
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C92FE161-AAB3-4B80-9D75-39DF452293D8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1660.15
XXXXXX
8.6004
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C06E62C7-6F0B-4CB1-9525-05E860DB1911
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
9.0599
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3338A809-954E-4460-ACF7-9AED412FF803
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2578.02
XXXXXX
8.3527
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C1F1EA21-F2BD-42D9-A26F-DA71C531BA00
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2670
XXXXXX
8.8732
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6BE9824D-D4E4-4719-A858-F64E09D3D0C5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2108.16
XXXXXX
8.421
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9113A870-24A0-4A2C-A311-5A499C2689FC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1672.81
XXXXXX
9.2717
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
AF5AFFBF-8D75-4022-A118-59EE6008EDE1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.2657
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9801AE52-2E5F-4DBD-9636-76E11E2B4318
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2268.01
XXXXXX
8.2924
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7598F0A7-46F0-487B-B9FF-DD6904489D98
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2479.55
XXXXXX
8.9973
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2D4C9700-E75E-4981-9B76-3F60F3221804
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
840
XXXXXX
8.3051
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4FC779BB-6B90-4869-A413-09C078664E09
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2529.74
XXXXXX
8.9766
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BE2C5FE4-C807-4525-BA36-54FBD7255701
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1308.01
XXXXXX
9.3239
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6853F14B-8DB5-4602-B478-5007748E5D0D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1866.76
XXXXXX
9.0983
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D2D22DA5-3F43-4FAF-8B7C-A9D817F28540
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1782.25
XXXXXX
9.1361
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A420AEE1-043F-47A0-8BA5-F90912D98D74
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2242.5
XXXXXX
10.3188
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
70911EC2-2677-47F0-B515-0DA85477C6C5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1846.52
XXXXXX
8.8262
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7B02EF15-8F17-45FB-BB9F-E806DBA19C0E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2339.8
XXXXXX
8.4991
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D3E982DF-4CBF-4DDA-B374-E1126BD1E0A9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3221
XXXXXX
8.752
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
437F6AD3-ED58-4E7C-87E5-C4CC2183CC2D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3313.3
XXXXXX
9.2186
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E143A338-D09A-4C25-8C3C-1D1F3B1E3C06
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2965.04
XXXXXX
9.2376
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
132FBA45-C879-4757-B204-AEC9DACF37FD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
5878.85
XXXXXX
8.6304
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3802F5FD-E6FF-4B86-BB56-23B03DB6302E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2459.65
XXXXXX
9.2279
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7BD58C43-58F1-483F-804D-DCFD77647C85
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3050.11
XXXXXX
10.4002
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0D60D851-BD9C-4E09-9020-CDE33D218ABE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2230.03
XXXXXX
8.6739
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5CC8B54C-3CAB-47A2-B86A-E3B54317AEB0
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
3300
XXXXXX
10.0809
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
705FCD63-E7E2-436D-9551-CDA601905BCB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2118
XXXXXX
9.3229
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
00B731BF-3601-4F32-BEF9-428D935C7C8A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1980.65
XXXXXX
8.8814
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
98E1AC52-E0EB-4C9A-91B8-A83FF1ED7E10
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2491.63
XXXXXX
9.1458
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
094AE8CC-D3FB-4E79-AC9C-689107C666AE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1743.01
XXXXXX
9.275
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AE40C7D0-C4A4-4396-8DD7-111AAEACBCD7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1509.01
XXXXXX
9.147
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7D0A926D-22A4-4220-A662-9D14F3CB88A1
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4453
XXXXXX
8.5553
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1B5470D3-4692-4264-A9B2-1497812C6682
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1201
XXXXXX
9.2211
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
946BED4C-9A61-4D14-8705-56F77E35C347
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3374.29
XXXXXX
9.3934
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0EE24E64-22FD-4EF2-BEBF-4281AA464B76
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1636.74
XXXXXX
9.7494
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7ACD0762-CD3B-4158-94D9-F5E616EC5F79
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1924.02
XXXXXX
8.3247
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C77914C6-F482-476B-9F00-3808756DC782
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2349.44
XXXXXX
10.3232
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BE133EB5-4855-4055-AFA9-D06C307AFD85
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2842
XXXXXX
9.6921
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
244C3105-5434-407B-901C-206EF026BB5B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4449.65
XXXXXX
10.0768
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
444682DB-FCD0-4CF1-A97D-0189A22333F6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3854.1
XXXXXX
9.5243
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
513235DA-AFE9-4E2C-AB6A-E89A4C75C11D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1167.01
XXXXXX
9.2058
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
617AAE86-056F-4252-965A-5B1516120CF2
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1831.52
XXXXXX
9.9736
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
260BFF8A-098F-40DD-9FA5-7A2AE6BF4B6A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1645.52
XXXXXX
8.4956
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
93581938-4DD7-4CA5-92E3-547509A379A5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3357.36
XXXXXX
9.651
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
227F6D9D-973E-4A2A-9A42-EB8A8E110C63
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
656.01
XXXXXX
8.6142
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
388F64AD-A7B7-4965-A18B-C0DA2F072249
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2408.5
XXXXXX
8.3091
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2105557D-42FA-443A-93BA-CE69ED142613
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2571.02
XXXXXX
9.0076
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C483CB5F-5106-4EC9-8876-F119858A9CB0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2057.82
XXXXXX
8.7907
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
27BECDC9-35FE-41FA-BB42-CA0DBB0A29E4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1465.9
XXXXXX
9.1049
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BC9FCBA6-9F4C-4805-876F-D03D4F31C465
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
222.75
XXXXXX
9.5418
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0B1721EF-2C73-463E-AA6D-FA7367E8CC51
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1816.78
XXXXXX
8.6075
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A9335EDF-4E69-4DD4-9E52-8EEE6303D654
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2075.4
XXXXXX
9.4097
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0889FB54-ECB8-40D6-AEDE-D3DC69149D78
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1521.52
XXXXXX
9.0517
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0593DC94-B640-4FD9-9070-E34EF5867E06
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2998.83
XXXXXX
8.375
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
60620286-30D9-4D56-93AE-345F29469F95
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2184.25
XXXXXX
8.8917
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
691864E9-04CA-4FA3-9E87-CB816F8F192A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3130.03
XXXXXX
8.9399
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
391EEF3C-75E4-4BCA-A9A5-3762BC3C376F
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2371.07
XXXXXX
10.4266
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
899C547F-7057-478C-8C27-94AD95306D1E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1090.51
XXXXXX
8.4917
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B5BACB15-382F-423D-856D-272C9F4177C0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2906
XXXXXX
9.1998
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
18D77747-5D2E-4B98-9E4D-7B52F48BB40C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2498.62
XXXXXX
9.0313
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
62DAA84A-75C5-4BAC-9190-A0A0070D9370
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2341.85
XXXXXX
8.7589
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
187062BC-1DB9-4916-B529-CD2F1E6ECC4F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1724.02
XXXXXX
8.6048
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F3B636F8-710F-4853-A5A9-978459E8698E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1954.22
XXXXXX
9.4887
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DE8C7D48-CED1-4ED9-8815-10FDEB15368C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2204.75
XXXXXX
8.4246
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EE48A61F-79D7-4F4E-95CA-3AFC813C0C5C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
800
XXXXXX
9.1865
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9FFE4ABA-1622-46A1-88BE-432AB3E54A3D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2925.28
XXXXXX
9.1328
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C1B46432-CD9E-4E5D-A1CC-363E46B6E449
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2345.03
XXXXXX
8.7527
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
25D1F30F-0C5A-412F-A089-581078633470
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4930.3
XXXXXX
8.4081
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7CB30933-1BBB-4C6A-B5D8-37C16C1A2910
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
910
XXXXXX
8.3689
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
74C222D5-ADED-43A8-B571-4B2A6762D2F9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2288.01
XXXXXX
8.6033
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6E4D36CE-3DE0-437C-9272-F2F29529BD1E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3443.41
XXXXXX
9.1509
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6998B571-E662-4DB5-BB62-F7B137005B32
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1534.04
XXXXXX
8.3622
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
ADF4B9C9-2654-43C2-BC92-91BA1D7F633A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
680
XXXXXX
8.6946
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3300165C-72FF-404B-AA8D-2B5255A95243
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4031.7
XXXXXX
9.729
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7F830A9A-B59C-41C8-B5F7-B316743E9965
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1349.26
XXXXXX
8.7438
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
08110640-D6AE-4041-8734-29571E9B7E91
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2004.34
XXXXXX
9.3758
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
74797A2D-DF91-4D27-946C-327F7D20D10D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1411.5
XXXXXX
8.7176
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A1D85292-ECCC-454F-AF4F-308A823B486C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2448.8
XXXXXX
8.8958
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D53D0136-D5FA-4309-A78E-05B7C1E882EB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2271.7
XXXXXX
9.1161
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1B8E1477-EE10-4B6F-9B8F-DED4EDC54B49
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1027.88
XXXXXX
8.528
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D2DDA7F6-D866-42AB-85BB-7DEC176D02D5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
790
XXXXXX
9.2841
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3AC6933F-AB84-4B25-9BFD-98D23ABCA513
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1330.35
XXXXXX
10.2321
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
637D415C-8363-4560-8EE8-7DA208585B1C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1334.3
XXXXXX
9.6115
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1733D09A-5A15-4045-88AF-01528795B449
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
3179.35
XXXXXX
10.8467
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3799F83D-C1C6-4B08-8BE5-2F4399DDE0B7
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1938.02
XXXXXX
10.9444
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
46A59347-9159-4A8A-829C-7F454B5EF274
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3793.35
XXXXXX
8.9642
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D7838362-EC6E-4B39-A98E-DCB8CD2064D0
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2882.82
XXXXXX
10.1714
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
FCCB0ADC-19B9-4432-BB57-FB46220F6243
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1926.71
XXXXXX
9.3309
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
77103145-F3C7-4F3C-95AF-F80FFF2561FE
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
7244.8
XXXXXX
8.3482
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F8E1A406-E4E3-4A61-9539-2F0EF02BFB44
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2574.46
XXXXXX
8.458
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4FA16BBA-D68F-40D2-A00A-130C6C09F3FE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1243.01
XXXXXX
8.4003
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C11392E3-D4A5-43AE-B6AA-8F416CB480F7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2031.05
XXXXXX
9.3161
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D22C35E2-83DE-468E-AEDA-62461FA2D500
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2099.54
XXXXXX
9.8263
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A0D4D1A0-A87F-4D21-8AD6-2351A6E87EC3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1839.02
XXXXXX
9.0394
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4145BF1B-6D68-46CA-B628-B0D282C82943
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1625.84
XXXXXX
9.5889
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7289EFF1-280A-4348-9FCB-4720D3167E7B
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1471.2
XXXXXX
10.2912
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D1250748-AF48-4030-92B8-9CA16445CC7D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3300
XXXXXX
8.4186
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D4E33A03-2AB2-4A42-956A-4F2D7EA4A779
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1744.4
XXXXXX
9.3585
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F944BE46-92F5-4278-B6CC-34861243D723
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
741.89
XXXXXX
8.3322
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E8350CF7-F42B-44D5-A0EC-1EE1591D58B5
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
10.0319
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5A82C486-7EC9-4587-812E-87F91D56026C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
650
XXXXXX
8.2528
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7974A7D3-855B-4284-A132-36AF24E98B50
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2963
XXXXXX
8.5499
Retired
Retired
U.S. Citizen
Permanent Resident Alien
(No Data)
No
0
4B0BEB4F-7905-44E5-8395-6314331760D2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2163.52
XXXXXX
8.857
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
259AF71B-CF06-4188-AA7D-3155E87CDB17
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2075.07
XXXXXX
8.3982
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D5C51C0B-3F32-42BF-B54B-FF32B7792524
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1897.18
XXXXXX
9.0556
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
520C8652-778D-44A4-9705-06F8EE0291BF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3413
XXXXXX
8.7463
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
130B75E8-2406-48F5-B56A-037D8069F602
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3310.25
XXXXXX
9.4396
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
445DADAF-14EF-4B5A-BC27-4C2F3A11C9AA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2011.88
XXXXXX
8.5851
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
66DCF4A1-6699-4DAB-8537-0A8E57052E98
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1928.02
XXXXXX
8.5768
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
08D71172-E3BD-4751-BE4D-C5446C5A624F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1000
XXXXXX
8.335
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4CC26AFF-EBE9-49D5-94F6-B5FADA61C273
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2460.61
XXXXXX
9.6898
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
21EDAD66-4D49-4623-ABF9-015C6A59952B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1541.85
XXXXXX
9.6154
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B4AD8A03-51BD-4CEC-9F84-62603505A95F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1995.92
XXXXXX
9.5377
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8CA2663E-F911-48F3-9C42-FAF9E21C15C1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2429.6
XXXXXX
8.6118
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7603DC61-987D-43B7-9E24-221FA619B28A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2366.2
XXXXXX
8.5506
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
58B70A60-A51D-4C13-87FF-C180CD7EF21A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1189.5
XXXXXX
9.7388
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
354D54A9-36CB-41B2-ACCF-1B590B75B893
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1787.01
XXXXXX
8.351
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1BE02C5A-C35A-45D0-93ED-AE47D2300A77
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1303.69
XXXXXX
8.628
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BEB9BB3F-2AE3-451D-B350-2F1988D84DD4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1862.5
XXXXXX
8.5402
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
471073C8-2DEF-46E7-ABB6-640E00D36A94
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1460.6
XXXXXX
8.8401
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
55457A95-5449-437C-A625-93F24CCC9C2C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1492
XXXXXX
9.3918
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
AC0556C3-7C53-41E2-BC0A-2855A9C7438D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1439.01
XXXXXX
9.1189
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6B835C6E-1D54-4F55-829E-92024819A77D
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5540.25
XXXXXX
8.9388
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
63F0F045-1BA1-4242-B883-53D7A3A9EAF1
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1404.01
XXXXXX
10.8908
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
639ACEDC-4614-479B-A5D7-2D1E634C5468
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1962.52
XXXXXX
8.8607
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5896216E-4334-402C-ABC1-D134514D7EAA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
935
XXXXXX
9.6119
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
43BC67B0-4D47-41A5-918B-EF01CA8AB476
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1755.1
XXXXXX
10.0129
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8C996B7D-92B1-414E-AE7E-57F2AF3A2160
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1825.51
XXXXXX
8.5041
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E65E4A18-F11D-4859-9D8A-3953FA34CFD7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1826.33
XXXXXX
8.5349
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4094DB0B-ED86-412F-8644-65C12F646678
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2328.02
XXXXXX
9.2893
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A9374D67-B741-4226-B4C2-5C899A388727
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2879.75
XXXXXX
8.9576
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4D796D96-DD6F-4460-AF92-9792CD2A08FA
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1352.43
XXXXXX
10.7442
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
21FFC349-B510-4C71-BF1F-9E9AB071652E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1179.01
XXXXXX
8.4518
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5E7F59F7-1ACC-43FB-BBC8-ED13C355038F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
499.45
XXXXXX
9.3226
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
81AE0AE5-015E-441E-AC4B-E2E7DAB8377A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1689.52
XXXXXX
9.2346
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
876DD4CC-2FD0-41B6-B221-24949835E5CA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3497.2
XXXXXX
8.3833
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E9FAB9E5-9037-4264-9D0D-30C7E73892AF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2252.62
XXXXXX
8.9819
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8A97DA85-0372-42D8-8D66-A9FF438C15A6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1375
XXXXXX
9.1127
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
78C3440A-0D80-4C27-8F55-D6B0B0046A95
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1454.01
XXXXXX
8.5387
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B55329C3-4B41-438D-84B7-1AC82AB2C089
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1816.52
XXXXXX
8.6895
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EDA1C047-E407-4CC3-9725-3F1360262835
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2982.52
XXXXXX
8.4088
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
945344A7-6FAC-4AE4-A48C-A2A3DF161F82
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2825
XXXXXX
10.1727
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CC11AFB4-5DBF-4663-9C34-4FAAE58436D8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.2161
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A8320586-E26C-4371-86E2-D170F0EDBB5F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1531.68
XXXXXX
8.9377
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C35F7978-50E7-4D0B-B5F9-1F3495736A22
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1886.02
XXXXXX
8.6115
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
844B1041-480D-4DF5-A51F-553107B9EE32
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2691.04
XXXXXX
9.1053
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2A75A0C0-14D2-4159-AE60-77779F76550D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2210.42
XXXXXX
8.4847
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6A1F78F5-4263-44A6-9790-16AB24D9813A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
650
XXXXXX
8.6698
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
75692EB8-22E3-4D26-90FC-270B859484FF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2220.74
XXXXXX
8.3991
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4A122D13-8127-443B-B65C-BB17B70E46A9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
880.66
XXXXXX
9.0241
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8563BF9C-3A08-4FA1-934C-B2440A8D20A0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1601.02
XXXXXX
8.9833
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1D2C3FD7-E979-48A6-97BF-568C0A798A47
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2512.75
XXXXXX
8.7157
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EBA7242E-FBEF-47FC-B25C-A393B3423628
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1979.77
XXXXXX
8.4215
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
00BEFA6C-E1A8-48D0-8961-B6837D52C6F2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1806.75
XXXXXX
8.5787
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A46848AC-3223-4765-BD2F-080AD6A0D890
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2047
XXXXXX
9.0597
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F4D66C45-3001-4E90-8A72-21E0EA99B1CA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
8.9966
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D4CE9E18-9373-45C2-A530-8FD55D9822D1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
540
XXXXXX
8.7044
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A2017621-465F-45EA-B99D-FAA8F56AE325
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1874.52
XXXXXX
8.8357
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7BC22941-1E5F-4555-AD15-4919F1835B16
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
935
XXXXXX
8.3643
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9CD355B9-9775-44FF-8C96-099B41411145
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3093.75
XXXXXX
9.4677
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
190F65CC-6C00-4A1A-97D4-BA5B6D26A158
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2108.23
XXXXXX
8.8459
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
85FA7872-F121-4BB5-ADC4-8168241E9EF2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
357.5
XXXXXX
8.336
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
826C41D2-56AB-419E-98A8-B34013EA5B44
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4393.28
XXXXXX
8.5424
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
845F8DB8-48DE-4158-9D27-1E4672FA093A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1114
XXXXXX
8.2802
Unemployed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8ACA4F57-F00D-49C1-9413-46DFA4EC52D8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
955
XXXXXX
8.3868
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
59014DF1-BBAF-402E-B7BC-EB4344FD7855
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3145.35
XXXXXX
9.4879
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C1A860CB-D99E-4AF2-BC64-673FFDD44C4F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1505.8
XXXXXX
8.3781
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1266D906-86F2-424F-9DCC-893C8AF4B66C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1272.6
XXXXXX
9.2983
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D8995D73-E4C2-438F-B9B9-A0436C11F569
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.4385
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CE9A5ED9-B539-4F0E-9204-4D7A44AA2231
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2381.99
XXXXXX
8.9701
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6BFE03F3-91DC-413F-A218-7D3DFCED45E1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1045.1
XXXXXX
8.7096
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
490D0567-D4C6-46AC-9B3F-C12E8C7CFCD8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1850
XXXXXX
9.3587
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6A54CB89-4153-43A4-BACF-9BF8BDF4211B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2510.6
XXXXXX
9.8521
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
286396C2-80AD-4EBA-B836-EC757526AE38
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.5073
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F90BEF45-C348-4FDE-8096-E2AB5F6A9BBD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2162
XXXXXX
8.6962
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6F2C839A-E751-4815-A411-E94C30ED8A15
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
6298.91
XXXXXX
8.652
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2193FE91-C91C-464D-AE5E-83BB7DE15EC3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1442.75
XXXXXX
8.4868
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2B2355E3-3E23-4449-89B1-505F9CB6CD19
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1664.63
XXXXXX
11.0902
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7AC22282-35C5-4641-B9B2-AAF8EC089BD7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3352.5
XXXXXX
9.0504
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AEEFDBB5-6D50-44C0-943A-4B70DD63981D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1205.53
XXXXXX
8.8709
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9654D5F3-0E24-47B2-A736-5CF44DDB63B7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1436.8
XXXXXX
9.0787
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
89BF0635-CF20-4919-AC5C-79ABD8CA692B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2369.04
XXXXXX
9.9407
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BA1EE854-CE7D-43B7-A0C4-52DD6C41EE9E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1337.01
XXXXXX
8.9203
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EA0D55A7-C053-4452-96E6-049A801972DD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1905.52
XXXXXX
9.2483
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3E195774-2E56-421E-BED8-EE81BE01C81C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1991.44
XXXXXX
8.8108
Employed
(No Data)
Permanent Resident Alien
(No Data)
(No Data)
No
0
0DC2E7A4-4EA7-4552-AA12-BB64E12F8200
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1717
XXXXXX
9.2163
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EED56DEA-27F8-4E42-A5E0-5F46389BBE2C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1100
XXXXXX
9.881
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C82DC16F-DFF8-4A30-B2DA-7C668AEC94E1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1672
XXXXXX
9.1406
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DA1741D2-6C26-4DB3-9E04-A1B4CC2F2CE1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2530.48
XXXXXX
9.9675
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
29BB420B-15E5-4367-9BEA-1E5F6CC9D281
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1375.03
XXXXXX
8.731
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9DE0EF9C-0E9D-4D72-9D5C-7EED39A07460
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
942.5
XXXXXX
9.5533
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9B25D187-F94B-4902-9A2F-0E1321F784A6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3367.71
XXXXXX
8.4543
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FA84EA08-029D-4F09-A2EE-CA14BD5816E4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2354.88
XXXXXX
10.0127
Employed
Employed
Permanent Resident Alien
Permanent Resident Alien
(No Data)
No
0
07DAFEBC-0397-4888-A62F-AFB85E2C796A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1835.92
XXXXXX
9.3985
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
23E5080A-82B9-4112-90EA-6AE8900EE08C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3585.52
XXXXXX
9.9163
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
903C7868-6D21-417A-9A6B-D002B5DEDA13
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1789.02
XXXXXX
8.7506
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F9F703D0-6E91-48AE-9934-C447F9C31959
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2013.79
XXXXXX
8.6359
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8314C34C-90F3-4070-96AF-C2F90C0447BA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2208.03
XXXXXX
8.7886
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
820E2B4B-DB6F-46C8-AEC9-0133ABC41D63
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1311.59
XXXXXX
9.7693
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
83C37725-6B38-4A74-ACF8-813F6905DB6F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3440.9
XXXXXX
8.386
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C71C6A87-9176-4FE1-902E-4516B8C20C6D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1706.1
XXXXXX
9.4272
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9D4DA69E-BBAF-4AFE-B646-86D9B8BE8526
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
885
XXXXXX
9.0036
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B8F3C220-D60E-4F9C-BE2E-7E5AACE865F1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2787
XXXXXX
9.1673
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
38E4E2B5-AE6E-44F2-A2F4-B2F23A238547
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1141.01
XXXXXX
8.7835
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4465859D-28D0-4CC3-9396-FCEE267C8984
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.5307
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7A7D9B90-FA8E-48C4-A19E-CF7763E53642
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2210.65
XXXXXX
8.6123
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E8E07AEB-3E0F-4816-848F-B093949120CA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1130.75
XXXXXX
8.5156
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
20B566C5-0902-4570-B0A2-798B889E0987
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2527.83
XXXXXX
8.9404
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
FFE06216-5AF2-4371-939A-453037914D32
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2143.1
XXXXXX
8.7586
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
02303382-4536-4C9B-9340-5A53E386497E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2196.75
XXXXXX
9.3776
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
097F4F44-AE85-4426-B661-C3BA862E5C1D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3435.13
XXXXXX
8.8828
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
852F31BB-85E0-4280-B03C-599AB8E4189F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2792.85
XXXXXX
9.1217
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
56FC1645-945F-485D-915C-9AAFF26DF862
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2808.35
XXXXXX
8.5635
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F44DD410-4EF8-4043-B29C-A2422814ED44
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2935.76
XXXXXX
9.0694
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EFD48B4B-E198-4F2E-B36A-B97A793C000F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.2722
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1F8511A0-5763-41ED-8127-1DEBA87E81D1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2084
XXXXXX
9.2013
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
64D7F729-42AB-43FC-825C-2E8CF69FB92E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3345.7
XXXXXX
9.6458
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
706D324B-6178-44A5-B1BC-932DB4613906
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2182.6
XXXXXX
9.0405
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
37BB0D6B-61C1-46A0-816B-CF8B6E21B350
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1544.01
XXXXXX
8.4732
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
97B1B4EE-9296-430F-ADCD-F05DC1B0C525
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1845.52
XXXXXX
8.6566
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
31DEFC52-1983-4F2E-ABA1-F405B360082F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2335.65
XXXXXX
9.8085
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E993B50B-1A98-4962-956A-3301E57D339D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1535.48
XXXXXX
8.454
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
76D50738-63CA-4828-9D70-CEF4A8F77B09
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
962.9
XXXXXX
8.2575
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D60E6B2F-AE10-4699-85B5-95BF3DE351A0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.2001
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D751B61D-04F3-4F84-93CF-6C7BB96BF932
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1778.4
XXXXXX
8.6545
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A621D53C-788B-444E-9988-DEECF3B8A207
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2225.01
XXXXXX
8.3413
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DF5F7F08-24A6-4336-BB29-F247D450B790
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2015.36
XXXXXX
9.1246
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2C848A4F-7D5B-4829-A922-0F5CEDA8DC61
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3271.1
XXXXXX
9.1051
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
41291C8A-594A-4574-A6C1-AA05F0332C4A
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4826.23
XXXXXX
9.4146
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DF57BE4A-C3AA-4454-B190-25A3E695D869
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3601.86
XXXXXX
8.5865
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
455D4C7C-4565-42DB-B613-5C361D10F709
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2109
XXXXXX
10.1876
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AB10E2D2-B499-463D-A427-47D92A7DFB3B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1339.01
XXXXXX
9.1726
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
488D8AA8-CC81-4D7C-B459-F65F46320429
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2011.27
XXXXXX
9.0404
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7CADF0E0-96F8-4CD6-B2AD-70363838EEC7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1835
XXXXXX
8.1993
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5460321C-F34C-4FD1-9748-B382C0163D01
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2984.66
XXXXXX
9.7897
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C1AE9F65-E00F-4A4E-9C2E-9E4C0540652A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1450.51
XXXXXX
9.3378
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
21C68E55-83CE-41C8-B17B-7F325EB27A41
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2339.53
XXXXXX
8.6912
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0FC827C0-8341-4F95-AAAA-25231EB4F516
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2104.64
XXXXXX
8.7805
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D1744925-1A63-4FBE-A0FF-E2586C53FFE5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2507.03
XXXXXX
8.3912
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
32142D4C-D341-4692-9CED-4D9FE3C25622
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
9.1412
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
364B9B6C-155B-407E-B4E9-B6695D502B89
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
950
XXXXXX
8.2741
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
87B74789-28D4-4609-A065-FAED79293175
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1359.5
XXXXXX
8.66
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EEE62C93-1036-4635-BEFE-FA4FC894BFD5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.1412
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
83B7D2C7-CB7A-495C-BE9B-462F11DA973F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2538.84
XXXXXX
9.6566
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BAD11A57-B413-4FDE-9280-7DC28A075F22
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2542.02
XXXXXX
8.4749
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4681A878-4A1C-4081-91FA-364EDF291F51
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2443.31
XXXXXX
8.7574
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5B7D9A84-C827-4D56-B8BC-2B3A510EBE15
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1322.51
XXXXXX
8.5646
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2C645649-6774-4FCE-98FE-4D9F95E3EDF7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1729.02
XXXXXX
8.8754
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1017DA8F-8565-4BB6-B9B1-6601586C3AD7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2093.98
XXXXXX
9.0713
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4C0A67CB-453C-49E7-BE45-74731D06E6FF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1727.2
XXXXXX
8.4569
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BCD84A48-9B78-4CE4-8D48-3B6EFE388E6E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1872.4
XXXXXX
9.5387
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F1950407-7177-46A0-BD8B-E8FAB5497395
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4533
XXXXXX
9.8137
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FAE30CB9-FCDE-4032-B127-D8FA8EE4127F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3086.04
XXXXXX
9.798
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
04AC6EBA-1FFD-4499-8E68-879010526FC7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1121.52
XXXXXX
8.5868
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5D7F159E-7264-4332-8E6D-A8BA76B59D11
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1764.44
XXXXXX
8.5156
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1191DC0A-D042-49F9-B596-984AFE4A7F49
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2156.1
XXXXXX
10.072
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DB7A9198-84AC-41E2-85D5-6F85DFBD0951
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2195.53
XXXXXX
8.5454
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
69F56E2F-008D-405A-95AC-FAAE351122F6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
830
XXXXXX
8.3655
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A5E6C1F0-BB22-415C-819B-0572BB60499C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1228.5
XXXXXX
8.3277
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EFAADC13-4088-4D48-93CD-6722BB1C337A
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
680
XXXXXX
10.7713
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
45C95F53-2E88-4B27-9026-5138218FBA47
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.7782
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E5D3BF54-A6C5-4F53-993B-37BB8EC69E0D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.2524
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EE9FFBE1-CDB7-4190-A4C5-9D023664CE9F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2560.05
XXXXXX
8.2356
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8F83DD5A-E5B3-4A64-ADE6-008BC1A56853
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1008
XXXXXX
8.3751
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
Yes
0
C3AA0A2F-E766-46CC-B665-8D86809C31A9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2796.59
XXXXXX
8.6563
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
653A932F-5371-4F0E-A0CC-A9174575C146
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1300
XXXXXX
8.3559
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6B22BCF6-D6CF-438A-A6B1-E2DC425F35E4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1173.6
XXXXXX
8.2282
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C4CA9883-C51F-4276-B10A-C5C4352880C6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2299.03
XXXXXX
9.0252
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E60AF7F1-EB13-4BC8-8700-3D7802CF4A68
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
725.11
XXXXXX
9.5126
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
43D73DC4-CEB4-464A-AE8A-12913191666E
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
2521.05
XXXXXX
10.3884
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7655B562-201C-45F1-89DD-FAA75BEE86AD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3471.62
XXXXXX
9.7107
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8D67D8F7-E2B9-405F-9A25-9B4F2402ED12
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2291.8
XXXXXX
8.949
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A864B117-641C-4DFB-A976-89625E54B256
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4282.5
XXXXXX
8.727
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2C44CCB9-58D7-40D0-9310-400FC14F5880
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1347.51
XXXXXX
10.3192
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
907B218F-8072-43EB-9A75-BA0235DB1045
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2510.24
XXXXXX
8.4248
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
273E6A06-19F2-4A2A-867D-3FB9913857B6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2041.02
XXXXXX
8.8845
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4C4B6B6A-09B2-4AB3-9F4B-DBFD8E8FEEC9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2271.84
XXXXXX
9.2733
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6106D22A-5A9F-4822-8174-B175B9E5A898
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1100
XXXXXX
8.3806
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
879774EE-9666-4C6F-B3E7-44B0160E24FC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2692.76
XXXXXX
9.2563
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D084F1B6-D754-44C5-931B-3DC8FBB4CA83
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3057.85
XXXXXX
9.7646
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0B27F171-B863-448B-AA0C-4500642042B1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2977.8
XXXXXX
10.0969
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3C38C8FF-40A1-4653-8A13-638511A3F7FE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
650
XXXXXX
9.6941
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B883CAA0-36CB-4DE4-83C1-5C43AFA07B94
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.2605
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C0CD49C2-AA4D-4B36-9231-3DCAA142B9D7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3410.3
XXXXXX
9.719
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
492663BA-9B63-4DBB-AB89-359F2E5FF79F
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1962.77
XXXXXX
10.1557
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6EDC9EF0-C91D-4090-A20C-47526A9C4354
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1136.7
XXXXXX
8.4129
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2B2D2D0C-3426-4C7C-9D67-4872039EC24B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1884
XXXXXX
8.7616
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C1FA2814-6B65-44F7-85A2-83AF7C25FE6D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1634.25
XXXXXX
8.4018
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F74000A8-D2D5-41D5-A7A3-A1525DA9D3EA
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5224.77
XXXXXX
9.1865
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
413CF886-F6E7-4F78-912E-FD6CEE45B80E
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2470.84
XXXXXX
9.9389
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FBA043B9-A241-4C67-8A93-FC9EBCA97006
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1154.52
XXXXXX
8.9116
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AFEA9F5B-A0B8-439F-A036-9921D31BCA70
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3402.75
XXXXXX
10.5606
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
28BA1695-2343-46B0-A42C-C3B3108D2B10
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1416.12
XXXXXX
9.7709
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
FCD9CB64-4D03-42B6-A651-A370C24BC667
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1000
XXXXXX
9.0917
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F8849FD1-73A8-4B51-9365-6930503435DA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2092.75
XXXXXX
9.1831
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
05B38871-497D-4E3D-9369-6D793E092D44
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1810.02
XXXXXX
9.5647
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
50456C7D-8EA9-4B78-A404-40FA0D6D48B4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2030.02
XXXXXX
9.2528
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5E538C56-D23F-40E5-9E26-0E2CB072999C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1261.51
XXXXXX
8.7403
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
91813E51-6F20-421F-8C75-DA3E2E1E1884
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5026.56
XXXXXX
9.8855
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7FF923ED-E91A-4B0B-88DA-91423FDB5A12
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2181.28
XXXXXX
9.1984
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A4CEDFEA-13C4-4DC1-9D38-28B688563992
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2832.5
XXXXXX
8.4245
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B12593A3-0A06-444E-BA39-B36DEAACA139
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1116.07
XXXXXX
8.3327
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CEAE5746-B919-4A31-B03B-8953DDF8B6A2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4603.5
XXXXXX
8.7583
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E6A06CD2-35C2-4C33-88C2-AC6AA5B5B600
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1465.9
XXXXXX
9.531
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
564F222A-0B9B-4092-82EB-193A65B145FD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1375.03
XXXXXX
9.0133
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B775F683-251D-4B92-8F50-C9D120BABBA7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
790
XXXXXX
8.2224
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
67684E17-03DD-414A-BFE6-C597D1DA5277
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2121.1
XXXXXX
8.5671
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5B8577B4-0D21-4D5B-8243-5C7AA5822912
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3064.02
XXXXXX
8.5926
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
663355FD-6AA0-4D3A-B84C-0AF5A262D9F1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1978.01
XXXXXX
8.2908
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
620500AE-F39D-47EA-946C-7FE849E12EAB
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4536.53
XXXXXX
8.415
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6E8B32A5-B915-40E0-A7A1-868F232EB7C3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3993.6
XXXXXX
8.4949
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7D3F941E-C69F-46D7-B356-BD713FCB03B7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1541.96
XXXXXX
8.9705
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
ECEA1029-7A0F-4E1D-AADD-0234FBB6D3BC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2317.4
XXXXXX
8.7056
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7643A71D-6347-48DE-B363-6E2EE068A8E3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2570.87
XXXXXX
9.1834
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
86F12E86-B6C5-4CDD-86F7-89CEE090ED09
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1538.02
XXXXXX
9.6953
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
15D26341-8308-4EE0-ACFC-FA9DAEF76D8C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
9.6927
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
53554192-758C-46A8-B5E3-B2BA3E3A8711
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3638.64
XXXXXX
9.5274
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
96E723E3-C4D5-4843-9D1F-E6FE37C887D5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2774.2
XXXXXX
9.2343
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
84499485-4B02-4AD6-997C-559B1FE0780C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2106.67
XXXXXX
9.8663
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
02D2A66B-E9A0-4BAA-9242-4C6547256F2E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1656.52
XXXXXX
8.8379
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E98518B6-2A12-4779-A85E-322E324216AE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
790
XXXXXX
8.7354
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
78537120-0B5B-4E59-8A3B-AC40BC2157DE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2147.03
XXXXXX
9.6848
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D31DD34C-2FE2-4C50-AA77-FA71F5B3E554
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
853.13
XXXXXX
9.9965
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
113EF640-717D-4205-8388-762827699AC8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.7639
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9F6692ED-BFB1-4E4A-9064-9E3824A81888
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1112.2
XXXXXX
8.8037
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
965091F5-C73A-495D-AD99-88E2D10830FB
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1958.3
XXXXXX
10.0082
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B6746361-D199-4D77-80E2-8DB720C843F4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
897.51
XXXXXX
8.3836
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1896B9CA-F389-4C25-BEC9-1FBCD765AA24
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
816.8
XXXXXX
8.3717
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7097C43C-067A-4FAD-8030-3875C320912D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2273.8
XXXXXX
8.908
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
650F2271-C189-45D4-A1FB-9DE9AEDAD593
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4038.71
XXXXXX
9.8881
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
65FC20A4-6191-4976-9A6B-1D2FF2975A78
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2058.29
XXXXXX
9.6633
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
353EE551-D4DE-4FF6-A60C-3719513DBE42
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1366.35
XXXXXX
8.6054
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3C5CBDF8-3296-49C3-AED2-94E306DC6E7E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2048
XXXXXX
8.746
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4338F4C2-961F-4C29-85AA-C89E6F48DBF7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1652.75
XXXXXX
9.478
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A6F3685B-8103-4203-B45F-40A2A16ED46D
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
813.2
XXXXXX
10.3542
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4771472D-1466-4DE4-9BBA-1C4C88AED88B
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2583.8
XXXXXX
10.5338
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0BA8D701-2D6F-49CC-84F5-951B5A74B177
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1828.75
XXXXXX
9.0881
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4D324C9B-81C5-4B3F-A56E-16A6EB626BAE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2702.75
XXXXXX
9.0561
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3452D02B-2549-4998-AE74-1258FA7FBF92
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
8.2643
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
369B9AF6-6DF3-475D-9B12-370EF967547F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.378
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AC16F442-3271-45D3-9438-6CEE4E5062D8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2563
XXXXXX
8.7318
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C7E02723-2AC8-44BB-A2D7-35999FAB6C1B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3564.65
XXXXXX
8.8598
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
542D5A0C-64BB-4314-BE4C-4CF005199FC7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2357.48
XXXXXX
9.742
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F434538C-0860-4F7A-80B7-B00F9E1FD4B8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1228.6
XXXXXX
8.2663
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
66417B4A-6390-4D77-88E0-E62CD75E05A6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1631.52
XXXXXX
8.5095
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6039FF60-5BF7-48B2-8DBE-EF75F8DD2A6E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
895
XXXXXX
8.312
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1BD4E350-293E-4E35-87D9-22AF54043F38
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2696.37
XXXXXX
9.3769
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2D870980-CF16-4695-8FCF-634A88A7533C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1121.02
XXXXXX
9.197
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
638BFBE5-A32F-45BE-B8AE-A71ED7A50BAD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3010.52
XXXXXX
8.4485
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2D0FB219-BB1D-440E-AC6B-0BCEEF223F76
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1664.25
XXXXXX
10.2819
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
95EC47C4-1D6C-4C12-A4FC-8B25E042B7E1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2049.9
XXXXXX
8.7661
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5AC6873D-2A87-417E-9D27-D6BA14D65990
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
8.6942
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
67809244-6944-49F1-BAC0-5C37958CDA8C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1829
XXXXXX
9.362
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
624B2FE5-CF69-4F3D-9CC7-7541F3F82068
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1806
XXXXXX
9.4775
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
165A3150-FB93-41E7-8AE6-D726003EAD54
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2455.66
XXXXXX
9.035
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
65F0DB27-C8DA-41A5-BA9C-883B1C44EE19
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3324.41
XXXXXX
9.2652
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1F5B646C-F524-4FEC-8062-E6FA804E29F2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2946.74
XXXXXX
8.5223
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2570C7FD-7F15-457C-B02B-93A750648367
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1879.11
XXXXXX
9.7166
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2CA11F19-8E53-449A-A617-FC9434AC3605
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1726.49
XXXXXX
9.2299
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CFA5E900-E662-4BFA-BCC4-3545C137A634
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1810.51
XXXXXX
8.4997
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8EEAFE9A-EF0A-4549-A497-780FF0808970
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1773.98
XXXXXX
9.8842
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E9C4CFCD-D0F9-4226-AF58-14FA45F1FAC5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1814.26
XXXXXX
9.6793
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5CE37AF8-FA22-418C-BBF6-B2CB947E4477
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4037.85
XXXXXX
9.756
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7F5813CB-A4CF-4852-A8EC-2864F35DB854
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
8619.36
XXXXXX
9.145
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
DEDDB508-988F-40FF-B506-4CB5F10CCFAD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1062.75
XXXXXX
9.756
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0C6A8AAE-AA4E-436D-99BF-14504904209C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1915.9
XXXXXX
8.2229
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
09C20B32-D9ED-4CF4-B732-F7DFC21B2DB1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1306.8
XXXXXX
9.1856
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5F0DC0C8-CECA-4495-89FA-5676EDCD0AEB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1332.01
XXXXXX
8.58
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5F145421-1E23-44B0-ADFE-D0A9249D6669
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1993.25
XXXXXX
9.5061
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CE45EEE2-A940-4927-B6D4-E9F3FD4317AC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2087.4
XXXXXX
8.4146
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
42205730-8252-4267-A382-9391371A2831
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2123.05
XXXXXX
8.2094
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
11CD72DF-3C33-4C2A-B7FD-E11387301A45
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2522.6
XXXXXX
8.8804
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B1928F54-986F-4F62-99B3-1E99F33BBAA5
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2242
XXXXXX
11.3184
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F3C52C54-018C-48B0-9C67-A5882DB3065D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1477.05
XXXXXX
8.5246
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
52E8E813-6E9B-43FF-8F80-487E6482ACD0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3893
XXXXXX
8.9899
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8169B08D-0B7B-49E1-8D9C-C7E77852F2D5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.305
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F669D532-BA38-44E2-99C0-A669DCB13D4C
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
2560.38
XXXXXX
9.8305
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5B51868B-B3EE-4621-A5FB-3164A7E275C3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
593.26
XXXXXX
8.8618
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EA79DF97-51CC-44AF-ADF2-848ED543D05E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1656.99
XXXXXX
8.5729
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
366628C4-1303-41CB-B8F3-75843BD9C3BD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1301.31
XXXXXX
8.8945
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AA01801A-868C-4608-BAED-3DDBC16F98DD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2442
XXXXXX
9.7598
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E1E8F9FB-74B4-487D-8CDE-2E874D4618F9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1378.96
XXXXXX
8.3525
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5E3C36B7-1AA3-4B77-9286-9FF415B703B1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1000
XXXXXX
8.1687
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D7DBE4A3-D663-4301-873A-3859DF33F683
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1720.01
XXXXXX
8.4385
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8E5816AA-0D76-4840-8E1D-F2004C758EAD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
6761.05
XXXXXX
8.897
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CF011CFA-CDB5-4172-A1D0-4B69074CE81C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.3005
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B74C0861-82A0-4C99-8488-C0E829DD6B30
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1827.84
XXXXXX
10.0164
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BA20D929-5AD9-43E8-A5FC-29E552551B7E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.3076
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
730BF1C7-1C13-463A-B607-AAB3960248AE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1095.51
XXXXXX
8.6127
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
47BA7D8C-A2EE-4D84-B841-28827CAC1EBE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1776.02
XXXXXX
9.8232
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9481E41C-9F30-4FBD-A248-0270A7BC42A5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2888.35
XXXXXX
9.5655
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C0CB7AF9-7A6F-43D6-8BFB-ADEE22291F49
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3295.82
XXXXXX
9.722
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
93FE610E-FCCB-4202-9CE0-E34BECBA0DC8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2470.4
XXXXXX
9.5199
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DBDFB0F9-97A7-4B9B-AF53-4CBA6510B1EE
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1861.08
XXXXXX
10.7513
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D930DA07-1F31-45B1-8DCE-BACE2CDDFFFA
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2456.83
XXXXXX
10.4281
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
35C03F5C-708C-4DDB-B180-180AFF535C3E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1368.01
XXXXXX
8.7239
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A789D5BC-2571-4A6C-B246-9D85D0936E8D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2142.52
XXXXXX
8.7092
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D3296FC8-6285-4C58-9177-029122BD36DD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1842.02
XXXXXX
9.3314
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2C5D1BC5-6301-4402-AEE7-E7FB8722392A
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1572.52
XXXXXX
10.1085
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
FFC64FD9-68E7-4B11-9143-1FF7A29A1818
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2584.38
XXXXXX
9.3409
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8D2F143F-5721-479B-A701-1A7E153C4422
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
8.44
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
80A7FC4C-EA75-498E-8F68-3C50DFD8C646
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2088.62
XXXXXX
8.6973
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A621DCA7-7EC9-4D44-B059-5BE20CEA1A45
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2095.05
XXXXXX
9.899
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
95AC67DE-F053-4F3E-8D20-B4206801EE33
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2004.2
XXXXXX
9.2436
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5B9E5F56-E57C-4D90-91EA-D7DE0BE86DA7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
830
XXXXXX
8.9675
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
640D801E-AFE0-4810-85F1-9A3A26CF88A5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1590.02
XXXXXX
8.9109
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
52179384-C742-4918-A0F7-F8A8C43D2550
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
8.7872
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EE87C856-4E71-481A-99A5-8931A64CFB66
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1883.02
XXXXXX
10.2464
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
56D0B305-07EF-4187-8F56-F5A239DD7EF8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2198.75
XXXXXX
9.5884
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D15512D0-E520-49AA-B1A7-53EBC636BC12
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3138.16
XXXXXX
8.6932
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
25D25881-353D-402A-8FE9-5339C8AF0046
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1064.5
XXXXXX
8.4617
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
622E9C2F-97DC-4710-8361-22738FB7B727
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1796.02
XXXXXX
9.8104
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9CCD69A1-D574-4BAB-8D93-E5E8B4387C5D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2667.48
XXXXXX
8.66
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D069AC19-20FA-41CD-97F9-ED8ED8F5C9F8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1966.37
XXXXXX
9.2193
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DA88F97D-82CE-4F07-B0B0-4A46688C3A36
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2169.17
XXXXXX
8.8107
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BA6E05A6-7DA2-434A-B7A0-3F65ACC1FC89
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.3836
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
37C715E0-038C-4144-AF9A-8DCF3C820882
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
9.1812
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5353BE19-3069-482D-BCDB-FA3490B18F57
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4675
XXXXXX
8.5737
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
ECF499D0-C2B9-4AF4-9E9D-8BEBA7973647
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2187.24
XXXXXX
9.2351
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
660DDBF8-AFE2-4948-85B2-31AB684D8B6E
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2266.94
XXXXXX
11.8536
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9D95C139-FC01-496D-8052-508D758400AA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1765.52
XXXXXX
8.798
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E0B420B8-2D85-4A47-84C8-945A2871DC94
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2614
XXXXXX
8.8959
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7E814DEA-1A7C-4AF7-93C4-D2D817B5F861
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2822.25
XXXXXX
9.0512
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
23C1713C-3B0D-4F8C-803F-9DFABF10B51C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3500
XXXXXX
8.1667
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D3FFC56C-4A48-4E7F-A645-6A6C0F5D6216
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
830
XXXXXX
8.2485
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CC6A15E1-125A-4E52-B9DE-57C2EDFB195B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1038.01
XXXXXX
8.8495
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E66DFBF6-BF01-4679-85DA-BBC1503BA29D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
890
XXXXXX
8.1942
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F82A9FA9-B892-4E5B-9F3E-D548BCE2BD26
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1212.01
XXXXXX
8.4302
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F96F839F-C5FC-4E5E-B3E8-386116705A40
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4547.8
XXXXXX
8.6931
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
538BB53E-14CA-4113-A0DF-C1C26C918696
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.3437
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
66CFCC6C-09C2-4B92-8988-CD8B663B7B5A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3561.74
XXXXXX
8.7575
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F88CEB97-D633-4FED-AF78-D135D8657DAD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2091.3
XXXXXX
9.5089
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EE71C591-E042-4FC2-9398-3442ADB36EE7
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2037.8
XXXXXX
10.3482
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
26F3F5CC-F9E4-44E4-9F13-B4609625AF45
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1723.02
XXXXXX
9.0321
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F1F5379E-9AFB-4670-888E-609473BF4662
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1108
XXXXXX
8.4224
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FC84079B-C62E-47AD-BDED-2C1081CC88F0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1946.39
XXXXXX
9.0876
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
ACA65084-2E6B-44EE-9DD8-4FFB30541446
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1569.52
XXXXXX
9.0442
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
268ECF39-8469-4F5D-9400-BAA434AA2B91
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2214.5
XXXXXX
9.9317
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
70E2CA7B-6430-44C4-B334-9130CFF9E52E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1663.52
XXXXXX
9.2787
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EF6A129C-7494-4E77-958E-1887D941E1C3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1427.68
XXXXXX
8.2712
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
076AA8AE-DC13-4593-9F01-C08F9F57B4AB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3752
XXXXXX
8.3347
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5E8B5BEF-048D-4AC9-86F4-67D0981D1D34
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1360.51
XXXXXX
9.7354
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AD128B59-4524-4B77-8D97-9CCAA6591C65
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1682.53
XXXXXX
11.2782
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A6E5345A-57E3-4554-90B4-5FC23E4660AF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1704
XXXXXX
8.7953
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
86E7FBCA-7FF6-4540-8A7D-BF659D37C835
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1756.04
XXXXXX
9.5388
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
77685A79-32B5-4C39-A733-654508EAABA9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1239
XXXXXX
8.3111
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9E40F7A8-C6A8-4C97-8C5B-523F5021078B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3274.8
XXXXXX
8.5936
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
91CEB2B7-4FEF-4296-8AA6-9714F6BA982D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
581.49
XXXXXX
9.5785
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CEBA8CAD-C931-4161-8638-89D083FC0DBC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2709.4
XXXXXX
9.3946
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E694E382-A4B7-4F59-8625-90CB0F33E17C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
805
XXXXXX
8.3503
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D9E9DDFB-846B-4333-B374-9DF7A01BEF58
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1021.52
XXXXXX
9.0292
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A81CD4C2-F470-4770-A57F-29E4D1F3202B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1716.02
XXXXXX
8.9997
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0B2F0340-9C22-4E7F-85B7-1461E01E79D3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.6839
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8D81945D-7B77-47B1-8945-08A0721B7FF0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1565.52
XXXXXX
9.129
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FC3B945D-4B83-448B-8B7F-AF9AC9A8511F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1885.04
XXXXXX
9.1983
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2FE0D51A-20A4-4423-9E6B-211C0F15DF06
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
400
XXXXXX
9.0005
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
00F26010-0578-4358-B2A7-B227631114DB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1523.01
XXXXXX
9.3524
Employed
(No Data)
Permanent Resident Alien
(No Data)
(No Data)
No
0
2182B8A8-AF9C-4AC2-8CFF-33E4111E6EBF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1933.6
XXXXXX
9.0449
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A2269E57-2BFC-420E-8DF5-989F1FE907B8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1757.52
XXXXXX
8.8016
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0F665174-FDAC-4C46-A6E7-D3C990995072
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3281.39
XXXXXX
10.0827
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D0017917-7B44-45E8-AE95-3300B9C7C030
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1660.02
XXXXXX
8.5876
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
46152282-E6D8-4354-8DE4-C8C3290B886D
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1987.78
XXXXXX
10.1494
Employed
(No Data)
Permanent Resident Alien
(No Data)
(No Data)
No
0
380946EF-996E-4F42-A1AC-21C1B18D722B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1888.52
XXXXXX
9.3663
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
68EF77C8-8870-445C-92F2-01DBA79C13BD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2001.02
XXXXXX
8.8872
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
988BE00A-E6FB-4762-AAF8-4D6E3DAD04F0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2541.6
XXXXXX
9.0275
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
62CB60BC-9E81-49C2-9C84-F488BC97C164
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
935
XXXXXX
8.1243
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9B00DA0B-B58C-4A21-8E4F-BC66018DFC96
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1126.4
XXXXXX
8.3957
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
109AD0C1-8E79-422B-AC2C-D2DD97A028CD
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1904.52
XXXXXX
10.6995
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2CBE0A25-93E7-4A3A-8444-4E0AA5F12547
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1960.5
XXXXXX
9.3926
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
ACC7988E-665E-4E02-AF1D-2114BBC5E6D5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2724.35
XXXXXX
9.4534
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D780D5EB-73BD-4EC3-BCDE-A7C453C6DCA5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1033.99
XXXXXX
8.3854
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D223045F-9546-43AC-B7D9-F2F2EEC07768
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1972.99
XXXXXX
11.1401
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
576C1DCC-ABDB-4BDF-86FB-D79903F56F40
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3791.24
XXXXXX
8.9118
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
77C7EC0F-3210-4E74-98A9-B98AD93882C1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1975.88
XXXXXX
9.4302
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A034D1C9-2409-4B5B-83D7-211BCF238B6A
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
2660
XXXXXX
10.5309
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
72037407-640A-46A6-A2CD-2CA99D36D746
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1799.48
XXXXXX
8.5495
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F8112EB4-D396-4AC3-9222-BA5A9D2EE6CA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2040.28
XXXXXX
8.213
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DC6664E8-D1B5-4340-9CEF-2D3FFCFEF9FD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2614.76
XXXXXX
9.2788
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
799B30C0-580E-4B76-9254-4B0C59C87ED8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1232.51
XXXXXX
8.7774
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
791DC9C8-3133-4057-8454-D79DAC72CDEC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
840
XXXXXX
8.2232
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
08243E57-EE75-4997-9116-6A0525D0155B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2800.6
XXXXXX
9.2374
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
46347D24-64A3-42A4-9BCE-A1DEC841431B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
6432.5
XXXXXX
8.3629
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FE7D7A5C-0232-421B-90FD-50E17C31DEC9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2182.01
XXXXXX
8.3214
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5AB15EED-45CE-4CB1-96E4-AE0EEABE7648
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1325.25
XXXXXX
9.0201
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E0898AD2-F44A-471A-AD1D-79FF1C7BA7C1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1632.9
XXXXXX
8.8925
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B93D3775-98A6-48A9-8551-354775B0DE53
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
5166
XXXXXX
8.481
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EBCC9063-A0F5-48C1-8A6E-2FAFCE3E086B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1031
XXXXXX
8.3538
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E4EC9E6A-91EB-4586-904E-7D33B06350E6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2014
XXXXXX
8.3966
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
82166D47-6C00-44E1-89B6-26364748041B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2380
XXXXXX
9.9579
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A64139E9-3580-43F6-B768-E6DAF5AAFF95
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1410.75
XXXXXX
9.7737
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7F7D8DA8-787A-4CC4-8D7B-F0FDB75184CC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1161.5
XXXXXX
8.6093
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E4BC25CC-3CE4-456A-B412-9B36A6E6ED24
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1106.5
XXXXXX
9.3146
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
103AC07F-8286-428A-98A5-D20514F374D1
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1721.53
XXXXXX
10.5828
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B65CB1A5-B0FB-4470-B96F-100F362E33FB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2195.03
XXXXXX
9.9489
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BEBF3347-3A5D-44A7-A3C0-B17D99B4D227
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
910
XXXXXX
8.3904
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
28ADB12B-2FFF-46FB-987B-7BB532874643
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4149.57
XXXXXX
8.7067
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D20A1FC2-78BA-416A-AB66-0DB699FAFF7F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
995.95
XXXXXX
8.9293
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AA484267-6D6A-4FCC-9F8F-9509FBD01E15
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2600.35
XXXXXX
8.9003
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9BD9DBD8-91E2-4143-957C-975A88E85CF5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1976.01
XXXXXX
9.1852
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
836C7141-931D-45D4-9E25-380DD30ABCC7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3724
XXXXXX
9.6629
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F9BC4456-4B9D-49CF-A1D9-6E584FEF4C26
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1233.01
XXXXXX
8.9055
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AA378C23-BB6E-46D4-A9C1-C29759096FC4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2636.12
XXXXXX
8.7126
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
85267E76-268A-422F-B46B-BF8A6B2C8726
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1973.72
XXXXXX
8.858
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
30CAFC57-DB30-49DE-BBB0-97B45A5E094E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2087.6
XXXXXX
9.3361
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
12127829-C909-4625-9F5D-0B951260E46B
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2002.55
XXXXXX
10.5824
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
11493578-1938-44C4-BABF-4D28B3714927
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2098
XXXXXX
8.2863
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D8052425-C7B7-41AB-8880-29E1CBBEE54C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1745.52
XXXXXX
9.3792
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
522BF052-E77A-4BD5-B682-5F1540833346
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.3341
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
28EFDF6B-1D9F-4E68-9D19-391D4AC86911
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1881.93
XXXXXX
8.5683
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
Yes
0
C0C882EB-B845-44B3-98B9-60F89A913882
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3612.5
XXXXXX
8.6815
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B63B1EEA-DF01-445E-A84E-35E070BE9394
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2032.02
XXXXXX
8.6182
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BF6A04E9-5906-45BA-BB68-3DF520B30EA4
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2204.44
XXXXXX
10.3238
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0A2404B7-AA79-4370-8954-8A8EF7C558E6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
840
XXXXXX
8.1996
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3BFE6CCF-51C1-440F-8DFB-59E53016756D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1836.99
XXXXXX
8.9706
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
974D7EC6-4046-4AB3-98C0-C867694B8F3A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3285.6
XXXXXX
8.687
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C0FF7A66-FB73-473E-8AE4-7186F81FB3E6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1543.72
XXXXXX
8.7906
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2D013D84-633E-4034-BCD9-86DA7DAD150F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1911.6
XXXXXX
9.3177
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F0345BA6-53D3-4363-9018-FEC1474A2DCB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1000
XXXXXX
9.7419
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E698B8A7-3F96-4E4A-ABF5-EFF922BF4E3B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1536.51
XXXXXX
8.7245
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CD1917EE-3ACC-44D4-91F6-848F3AD60B40
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2428.79
XXXXXX
8.3697
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2DC11997-CF54-4850-92BB-A1523E7261D7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2955.47
XXXXXX
9.9906
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C9FEA145-EECF-40C9-802D-BE8AC6B9B6E1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2146.7
XXXXXX
8.5993
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D68A3197-9517-40C2-B9FF-72C136F1D7E7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
9.0805
Retired
Unemployed
U.S. Citizen
(No Data)
(No Data)
No
0
CEE5EC5D-CFA9-433D-BB3A-E088BFD72A8A
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4120.7
XXXXXX
10.3446
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
947B2515-611E-4CFB-97FC-1997B8D4A751
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.3762
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7DD53961-8466-42A1-B3F4-9C98CBD15DC3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2008.89
XXXXXX
9.7749
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
Yes
0
D745235B-2B11-4AF9-92B1-C34D64FDF8E3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1842.5
XXXXXX
8.3275
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
059E6285-60AD-4BC8-BC48-A5EB8FB886D8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
9.3528
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
33342CAF-9855-4603-AEB0-9DE586962581
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1182.5
XXXXXX
9.2869
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4E31674E-2D07-4AB5-9B31-E7D33D5BDA56
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1127.91
XXXXXX
8.4884
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D352DD51-F299-491E-AE50-4654BD6B6C93
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2499.68
XXXXXX
8.2704
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
12D9E3F3-3DE0-49D5-BAD5-0FF247CC317E
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1850.52
XXXXXX
10.3336
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3BEBEAE1-6096-4494-B02C-AAC0C04B7475
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4481.44
XXXXXX
9.2981
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F1100699-5E26-48E3-B1B5-7B043FF542DC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
910
XXXXXX
8.5125
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D466B640-D2C5-41C1-A55E-2D316DF39C40
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2874
XXXXXX
8.9921
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1C318FB8-7570-4AF6-9639-E340B67281A6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.2562
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C0C1A4B5-1B41-4F50-B062-9DFC622ADE1F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1375
XXXXXX
9.2411
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7AF7411D-4AEE-442F-AA7F-F293A48DDA83
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1308.55
XXXXXX
8.2004
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
87B5CD33-5780-470B-A6A0-3C62C285D6B8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.8052
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C64474B5-6335-449D-822A-43FE7716F9DD
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
6336.85
XXXXXX
8.433
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2F67206F-C3CE-4ADD-B76C-49B3E63CFD1C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2944
XXXXXX
9.7146
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E34A7D25-D931-4A22-88AD-BD188867E704
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1643.6
XXXXXX
8.3166
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
075FA3E1-D7BC-404F-BD34-281965118FC6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1438.01
XXXXXX
8.4492
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
181ACD05-CA17-4094-8D17-3390CEA6C7B5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2828.16
XXXXXX
9.8043
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1C7E6B49-436B-4DCC-B916-15D0D9D161DE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1577.02
XXXXXX
9.0696
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C7A13CE4-7D75-475A-90BD-39A16979A40F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.2532
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8F4B1AC5-F44D-4C3B-BC20-635C6D7FB39A
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4753.05
XXXXXX
8.9521
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0FA3483D-A5F7-4F96-AA0B-06C37E6A79A7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
825
XXXXXX
8.2084
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6AB29995-CE42-44D4-823F-E8366C438B9F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.3632
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6938D099-0940-4A35-9BF4-58B4969C4403
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2313.34
XXXXXX
8.988
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5384A619-9D57-4819-9951-716580505BA1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2345.33
XXXXXX
9.048
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D2FE8036-791D-4405-9A07-EC42357AE9D0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1667.12
XXXXXX
8.3595
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
65E6EC36-FC14-40EC-A6E1-D3FCAB84A8DE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1300.51
XXXXXX
8.4154
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
874FB1E9-A815-4091-A1BA-47CE1D0222B8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2658.52
XXXXXX
8.8633
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B181144F-6CA9-486C-ADB6-C5D55A4BB8B8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2806.09
XXXXXX
8.4262
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E4D6F49D-476F-4687-90EE-18B2D9416CB4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1431.51
XXXXXX
8.7749
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0A3363F4-BC27-4EF9-BF98-694646DBFE7A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3303
XXXXXX
8.2393
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0C22DC62-F880-475D-B28B-694E8806C5A2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2433.02
XXXXXX
8.399
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BA27D571-3288-4044-A9CD-BA3DFA00C4BF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3411.8
XXXXXX
9.357
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B808DB77-5E82-4594-8983-BB78766B9EF1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2351.06
XXXXXX
8.8898
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F6272501-FF1B-4CAC-B4AB-653EFB8C89B8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2304.5
XXXXXX
10.2476
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7C47CAC1-E86E-467D-8181-D8120D6CE952
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1191.25
XXXXXX
9.5759
Employed
Unemployed
U.S. Citizen
(No Data)
(No Data)
No
0
A2CCFDE1-941B-4221-A7B9-E019DC8618E4
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5165.25
XXXXXX
9.8218
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6D9FF5A2-F3FE-4E2F-BD33-F30E16D4B85E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1638.02
XXXXXX
9.0065
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
78C4FEF9-A1C2-434F-AFD9-D48A60050F7D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1090.51
XXXXXX
8.3701
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BA10FB69-0305-4DCB-B2F3-48C8D5815B39
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1258.01
XXXXXX
8.7726
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7B06C26B-9335-42BA-AF0E-97FF4BE154A7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
965
XXXXXX
8.3528
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DE566D08-B9F2-4E73-960C-ADE884322161
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1027.36
XXXXXX
8.9982
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3D0E4494-9FB1-4F00-A4ED-6483C1147816
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3215.2
XXXXXX
9.7816
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C8295DBC-E408-4335-9716-453DE478A9FB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2202.02
XXXXXX
8.5541
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4C478052-62E4-4780-92D8-965C4E562646
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3147.14
XXXXXX
8.3722
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DA985E1E-2EB3-40A0-91E7-9986EFDAB5CD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3168.62
XXXXXX
9.5752
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5AA1DFA7-0A58-4287-AE40-F9CADB126BC3
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1237.01
XXXXXX
10.8775
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
95DF8335-AFEC-4A36-92D4-317ACB0D4DB4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1821.7
XXXXXX
9.3244
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1F450277-30F5-4737-893E-689529A01CB8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2342.02
XXXXXX
9.1258
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
672562DA-CBC3-4010-AFB4-01B28AA62328
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1630
XXXXXX
8.8254
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EAA6F56D-036C-4158-910F-5ED079ABF1B5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
5552.09
XXXXXX
9.3298
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C08C982F-6696-4B46-9694-BBA80910B5A9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2326
XXXXXX
8.9647
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B2BFC1C3-53D6-4973-BF66-30D4704A21D3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1205.51
XXXXXX
8.3828
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
61CDDF8A-DA11-4427-B8B6-BD1558EC3F46
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1794.05
XXXXXX
8.6398
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
31353159-ACAF-48D4-932A-F09263441145
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2728.27
XXXXXX
8.5023
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
85CC99E8-F37E-40A5-830C-702F0E7D05B0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
5500
XXXXXX
9.5905
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EA65A9E5-6889-485F-8C85-5767E6B4F1EE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.7785
Employed
Unemployed
U.S. Citizen
(No Data)
(No Data)
No
0
82B0EF2E-20F7-4BEB-AD46-4558FC1ADC7C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3046.29
XXXXXX
8.6678
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
72C84A4F-1714-47DE-B04A-120B9599312B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1591.52
XXXXXX
8.6309
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E1D27B3E-AF9B-4653-A331-83BC7CF0C399
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.3816
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0F92F0F0-E418-4F61-93DF-A4067C1F980B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1775.02
XXXXXX
8.55
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3ACDA53E-76FF-4D98-8A69-FA2370B4D98C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2048.01
XXXXXX
8.5756
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AF9F2998-9C8F-4DD0-BFFA-361B740B7354
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1817.69
XXXXXX
8.5698
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0E538532-213C-4185-8A4B-C87B2035A4BA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1015.36
XXXXXX
8.8671
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D7BA947C-455A-4302-85ED-E2ADB6B29DB7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2790.5
XXXXXX
9.4933
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F2C2A260-EF07-4F3B-B155-88FEC21206D6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.9037
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9FF4100B-5FE8-4799-8079-DC574147FCDE
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1172.48
XXXXXX
10.1603
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
61DE4A95-4672-44F0-968A-EB4EE882602D
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4916.6
XXXXXX
10.0219
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C8722C43-F918-483D-A95B-3BFE05644809
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
9.1099
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
23D6D4CB-4E9F-4A75-BB89-7947A11C2C57
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1734.02
XXXXXX
11.242
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
36E52A9C-1A91-4194-A075-4925F24F6D51
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1183.68
XXXXXX
9.8114
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E0777AE6-0954-4B2C-95DB-DD281890D824
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
910
XXXXXX
8.1917
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
361CD5CF-FA37-4B9B-9ABF-929AA46798E1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1814.8
XXXXXX
8.2463
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
668D6AE7-7E56-4887-BC4F-863ED4B25C17
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3595.75
XXXXXX
8.4209
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
429C6B8B-7A54-404F-9F02-B3CDCA7CCD87
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2154
XXXXXX
9.6575
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C1E5AFCB-CE0F-4505-99D5-8918E1ECE441
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1813.52
XXXXXX
8.5762
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
Yes
0
C295BD23-7C90-4635-A671-B379B0671A65
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1961.06
XXXXXX
9.4196
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
47CFE244-6BA4-4618-B1A3-19A09DE7B9E2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
889.52
XXXXXX
9.0421
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
035E48BD-775F-4E01-BBCE-4234E2362E95
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1073.01
XXXXXX
8.7324
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
Yes
0
D22D4B78-E057-4EAC-B23E-39B3DFB35EBE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3000.91
XXXXXX
8.8691
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A8CBD848-CE98-4F95-B375-BEC6DC2E0EC1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1323.51
XXXXXX
8.6912
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3A41589E-26ED-4E73-9DE3-360AE9C5187E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2305.75
XXXXXX
9.3134
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
ACBD8D23-FAF7-4DBA-8548-012CB58C5CF3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1772.92
XXXXXX
8.4826
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7D48467E-DFBC-4703-A007-690B3A76A62E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1878.52
XXXXXX
9.3685
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9C15FFF3-3B2A-41E6-8FC8-62C345A209DF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1811.02
XXXXXX
8.5614
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
45A62CA6-4060-4BBD-9E35-2E1471EECB29
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3251.78
XXXXXX
9.7114
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4FCFE92F-8F84-40C5-A4E6-614D7FF9508E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.2495
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7C581158-7C37-4AAC-8262-B0A53E4381AA
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1809.52
XXXXXX
10.7523
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
947406E8-C838-4112-B028-60ADE5E3A426
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1253.8
XXXXXX
8.3995
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
210607B2-0232-44D8-8E56-0E51310E89C3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
790
XXXXXX
9.2084
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1C7746DF-A063-4EC1-89D9-6A9E85DA88F7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.2726
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4E53E4F4-6B15-4957-A2FC-76426DFDF06A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
805
XXXXXX
8.2347
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
067DB0AA-24DA-430E-B0E6-103A0A762B32
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2158.34
XXXXXX
9.5774
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9B6D6762-6801-463A-8E51-92A4ACFCACF2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
900
XXXXXX
8.2725
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
739BAF72-3A7C-4218-B4B7-3647BF3F8E2A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
750
XXXXXX
9.0601
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
40087E15-EF6C-433A-A225-6E342E24F77A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3956.74
XXXXXX
9.0087
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2B7A4068-52A0-499E-BFD0-F0B6269403F5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1799.22
XXXXXX
8.4736
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C7B946C8-6B1C-4B8E-9D67-236D5D8C95D2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1640.53
XXXXXX
8.5914
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
999E6185-64EF-4F9B-B5D2-834F04F77A12
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1320.51
XXXXXX
8.4044
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
71FEE892-0BEC-41D3-B782-8EC6A06F01F2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1877.52
XXXXXX
8.7082
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CB3533C0-FC49-48D1-A6E9-A972793BE072
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1742.51
XXXXXX
8.4019
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DAB9AB99-EF2C-421B-B465-D81994D0F41E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2851.25
XXXXXX
9.096
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
84B1AA28-CAE6-436A-8CFE-E22415F02AC5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2609.3
XXXXXX
8.3423
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4110196A-A14D-4D0D-8B2F-012ED3E72DEB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1758.1
XXXXXX
8.5079
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
54A4AD1F-C3FB-47C1-BED2-702D08E26CCC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2733.7
XXXXXX
8.8846
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4395F00A-952D-4EF9-9F52-27CB7DD0B666
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1247.8
XXXXXX
8.7586
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
37A272DA-5AAE-413B-8BFE-11B39AD85BE6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1713.51
XXXXXX
8.5995
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6726393C-66D4-43C5-A7BC-18285F27D74D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1739.8
XXXXXX
8.3979
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4BAF5667-16C4-487B-9ED7-594498D84E8B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2090.6
XXXXXX
8.6591
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7C3E5463-AE2F-4414-B11B-084C4E76D82C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1449.01
XXXXXX
10.2286
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2B83026C-8ECD-48B3-9BE4-530AC28F0599
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1000
XXXXXX
8.5254
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
867FA110-D8EF-44FD-A276-BE671336B64A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1561
XXXXXX
8.6318
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
83761270-248E-452D-A797-E5C1F458240C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1651.35
XXXXXX
8.4516
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
07EBEFC1-D543-4162-83F8-9527AF41C50B
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
10.4338
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1B13E78E-8657-456F-AD37-64B7C90AE397
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1534.51
XXXXXX
9.7444
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
98F46048-3663-4AEE-8D44-3B1A85454193
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
0
XXXXXX
8.858
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BDE23228-94DB-43D2-826A-A22514034FE9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1854.64
XXXXXX
8.5043
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E1D22B97-1100-454A-9588-CCA317AFD5C9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3218.75
XXXXXX
9.1439
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8D81C9BE-02DD-48A8-9D86-50114A82192E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1795.52
XXXXXX
9.5041
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
65EDEBAA-8CF5-43E1-8510-A7A173C26E93
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4031.8
XXXXXX
8.6662
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D9EFC561-DF50-4EB0-98E1-8EFEC78A412C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1610.52
XXXXXX
8.4854
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EA2BE7A6-5088-41CB-BFCC-9423DE5FBDFB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1651.52
XXXXXX
8.885
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EDE95D65-866A-4908-B7D5-2929E42FE714
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3189
XXXXXX
9.1137
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
395A099A-1125-4C04-857C-58C584136E68
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
935
XXXXXX
8.1664
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F5739DBE-0C3D-4F56-AFEA-658422019E5C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2899.5
XXXXXX
8.7454
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2EDC111B-0132-467E-96AB-81A9F2C7C448
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2544.7
XXXXXX
8.467
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4EFE7294-078F-4AEC-8AF8-1DDC8FC7AC23
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2550.5
XXXXXX
8.5036
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0C8AC779-4467-4856-95B0-C3D10F7A43EB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2035
XXXXXX
9.0055
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3398F415-C7A3-4DA8-9933-045BA7437E5D
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
2517.91
XXXXXX
10.0584
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F66A2D74-A383-466D-9DD4-5734189A8CA1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2092.22
XXXXXX
9.1947
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6B3FDE57-6E0E-414E-87BF-418EAE7C2DB8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
805
XXXXXX
9.1164
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8A572B61-4219-47DA-B5FD-112FB76245E5
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1855.55
XXXXXX
10.6856
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9D2B15E4-2586-4A10-9EF8-DFE9239842F2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2359.5
XXXXXX
9.5555
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7174C8F3-AAFA-4990-93F0-550AFF227FF0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
930
XXXXXX
8.9045
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B4056297-871A-413B-9108-575267D0DB8B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2514.27
XXXXXX
9.2038
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
FDC515AC-E012-41D3-B058-C6B34F73C35F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1216.38
XXXXXX
9.7231
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
37DD2C3C-1D9D-4DC6-8C55-A5295C3C068A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2390
XXXXXX
8.4483
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AF2008D5-3BD2-4E14-AB64-2DED7C85781D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2070.4
XXXXXX
9.2172
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
456D8990-F7A4-4F11-9D43-E2BAFF9783C0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1206
XXXXXX
9.5863
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EBFD1F24-2853-4FE5-888A-D9F8B629A600
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2157.25
XXXXXX
8.902
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A95A1DB9-4B88-4B9A-AF6B-29EF604FB739
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2750.03
XXXXXX
8.427
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
57203CEF-E0C3-4A9B-A324-1C52E01C4DFF
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2350.88
XXXXXX
10.1893
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
60FEEA19-2202-44D8-9375-4B1A47A2E6FC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1655.02
XXXXXX
8.5437
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D22207ED-0509-4267-9AB9-75F52FF2AAA4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1375.03
XXXXXX
8.9859
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9F26B20D-2AA3-43AF-A37B-219DF013DB2E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2961.02
XXXXXX
9.0427
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
55CCFB44-EC6A-4CC1-95AF-7C07EBE88DC1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1907.28
XXXXXX
8.7282
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
48D1BBAC-E79D-4769-A3BA-895010B0EF3C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2617.6
XXXXXX
8.2504
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FC75B993-03D9-461C-9FC6-1412A4331C9F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3661.2
XXXXXX
8.8193
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6E220778-69BF-42E4-B3AD-BE1E9DEE6CC9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2296.02
XXXXXX
9.1288
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F31E5725-0A8C-4371-90B3-3AA026A6ADDC
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4679
XXXXXX
9.1766
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BCC4A45D-06A1-49DE-87F7-EC01777AFA16
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2153.03
XXXXXX
9.7022
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F0290A2E-EAD8-4051-848F-D57448A7C31E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3354.98
XXXXXX
9.8889
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A01ABBA6-5246-4716-BF1A-223E04E2277F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2715.69
XXXXXX
9.4303
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3F5BF389-7F47-4A6E-9407-505A03EB9FFB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2208.44
XXXXXX
8.6456
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
74EDFB1C-28D1-46D9-AD9E-F3A74989060C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1908.4
XXXXXX
8.7282
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A1591435-E4C7-4968-8361-98E071412C3F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.261
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B0B7EF87-414D-411C-A57D-1889279F2A68
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3365.11
XXXXXX
9.6766
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
132D2FA0-F096-440F-8975-EBC0AADBA434
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4480.98
XXXXXX
9.3161
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
898FA832-D9C6-4E1F-B3C8-1F4753CDDC6F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1224.7
XXXXXX
8.9606
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
01317567-2D5C-4209-96A9-94C68DF374B7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3814.51
XXXXXX
8.4133
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0DCA633B-9A86-4D75-9C93-E304206F2BE5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1699
XXXXXX
8.5271
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2E337559-AA18-404D-A6C1-175F7243B6A8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3276
XXXXXX
9.3885
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EF326B06-BCEB-4675-AEF6-C5DB42A51864
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3745
XXXXXX
9.285
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3B07E358-789F-4FB4-913B-B820B7E962B2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.2497
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F1DBF13C-F9FB-425B-B3F4-629756AC7729
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1022.5
XXXXXX
8.6135
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1D116DCE-ACF7-4300-8B8F-C640A64EC240
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2866.65
XXXXXX
8.7553
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AEBE35E0-2489-429C-B16E-B8915F60F88A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1862.52
XXXXXX
9.0963
Employed
(No Data)
Permanent Resident Alien
(No Data)
(No Data)
No
0
DC7B5192-7FB1-4E25-B8A8-82ADEDB9BBB4
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2312.56
XXXXXX
10.9902
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
0CB64069-87D3-4519-BF06-F678D83113FD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3261.4
XXXXXX
8.6574
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A18C34B1-1427-43F0-B35C-F4C855450CFE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3602.7
XXXXXX
8.6161
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8F20334E-3B54-412E-8326-033191FFADAC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3060.84
XXXXXX
8.3506
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
348A03DA-35C7-4208-ABD1-5C52D34E852F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1316.51
XXXXXX
8.6903
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7DF0F11E-9767-4852-9C03-C855F5897FF7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.2311
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
AA683EB0-DBD7-446A-B241-78560DE3C7E8
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2778.75
XXXXXX
10.4668
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D4C52995-D5A7-49A7-8C0B-42D9AF2BF930
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1914
XXXXXX
10.7243
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E5581914-FA55-497D-A841-9C5259D017A4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1098.8
XXXXXX
9.0037
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
861FC067-773D-4CCC-A121-9FC4D669EB8C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
8.2084
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C63A2B77-A185-4C65-8531-E8E4D27DFBF5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2925.96
XXXXXX
8.5638
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6383E037-92F3-4F77-929C-F244938167DC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1459.5
XXXXXX
9.0232
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E30ABCEB-65EC-4532-B3BB-6DFD6433E4B3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1697.01
XXXXXX
8.6464
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7CD24C9E-6C5E-44EF-ADF9-C31931FBEDC6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2512
XXXXXX
9.5029
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E234EAC6-DCB8-4132-9B17-D27E5B639A43
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
222.75
XXXXXX
8.6655
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EDD4170B-0C57-4E16-8C32-AFAD862389B3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.2373
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E26E2740-F731-4D03-9991-A6D86A6DDE71
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1945.62
XXXXXX
10.0854
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4A9432A8-A521-4CAC-B383-B51FD4BB1CE1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2792
XXXXXX
8.637
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
69931CDB-A404-4CAC-A8BF-4B4C0CEE3A1D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.2878
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3CE7B685-873E-476F-BDD3-6BF9FFB073A3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4122.5
XXXXXX
9.4984
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
80BB7271-4122-46A5-B316-1313D4A62A3C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2081.65
XXXXXX
9.8413
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6B2EF421-8CB8-4360-BAC9-3710D7AEC9F6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2075.7
XXXXXX
8.4861
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2CAA591B-F97C-4E47-B53C-8439143790D4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1647.55
XXXXXX
9.4098
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BC76AA1B-6200-4A9D-9133-8DE8B3A4595D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2895.4
XXXXXX
8.6615
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DD640A53-B9C3-43DB-A01B-8D4266708899
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1256.51
XXXXXX
8.4034
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D266087C-D89B-4FA4-A457-CFCDCAB19471
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
970.72
XXXXXX
8.6333
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AEC05197-8B1E-4831-A162-F2A68BB3284F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1890.2
XXXXXX
9.1473
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
206E06CE-88E2-4BD1-8638-AB873E4C595E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1422.4
XXXXXX
9.1847
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9492F452-F2EB-4FD7-BA8B-9082A518CA51
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1653.52
XXXXXX
9.3281
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B8B103A9-99D9-4D36-AD9B-E3ED48F55FE2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2537.9
XXXXXX
9.012
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
183907EA-C929-44C3-A9EF-0E0A75EF92D3
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
3965.94
XXXXXX
11.6103
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
FE66205D-B697-4849-B585-5C0C9A035814
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4757
XXXXXX
9.5079
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B8FBBAF8-2152-4D43-9835-C8D0701A7EBA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1977.6
XXXXXX
9.8259
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1A3C2F37-54E9-4FC0-A569-2EE67D8CC203
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4527.52
XXXXXX
9.3505
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
87FDA7D8-BDFF-4286-9E0C-7FF7E7E061DF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3869.92
XXXXXX
8.9437
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
275DA83F-4ADA-4B53-9DD6-A9A92A2DA14B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2721.8
XXXXXX
8.6944
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
80D0AB85-EC81-4F7B-8535-06C856269EC5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1430.01
XXXXXX
8.4681
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
28B5916A-2943-4FD7-8D9C-D87B632145CB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
833
XXXXXX
8.0452
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B8FDA230-0BB2-4B7B-89FE-180E247AA72E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1977.02
XXXXXX
8.7307
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C2348701-4201-42F8-BD05-0E56AACFDE78
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1348.1
XXXXXX
9.1934
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
ED3C7A35-F3DD-47CE-9892-F7DDF5F1D32E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1445.51
XXXXXX
9.2533
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B4326895-8988-48F4-8356-B01D4C8858B9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1623.16
XXXXXX
8.6844
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D3E414D4-B242-4F1F-A2DD-697081F04B1B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1345.75
XXXXXX
9.0307
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
E7A24956-0717-40E7-BC25-E64D8863A86B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
475.31
XXXXXX
8.9121
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E4F877CF-B525-4A24-A8A8-C029E50D27C5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
970.52
XXXXXX
8.3799
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BB46181E-BFB0-4E05-8781-56745907E3D1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2467.97
XXXXXX
8.8941
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7B399A59-8407-4D95-A176-B6B63F937177
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
926.05
XXXXXX
8.656
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
29320BC8-68B4-40B8-86EC-851C298383CE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
890
XXXXXX
8.4329
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0E7B0A39-C6F7-4907-A374-415DBA437DFD
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1517.22
XXXXXX
9.203
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
FCA31439-52D4-484B-B057-AE85933CA125
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1592.75
XXXXXX
8.3479
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
73ABEEDD-6A3B-4FAE-899B-A74CDF8449B8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1670
XXXXXX
8.5022
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9317DB91-3445-4E4C-A720-16649D44F535
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1413.77
XXXXXX
8.6351
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
41543744-03A7-4BF6-8420-5FD7F4ECA2BC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1554.52
XXXXXX
9.3186
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BFBDC6FA-BCBE-4241-AF85-2800BBCD5BF5
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
6830.1
XXXXXX
9.0365
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D302BA6E-95AD-4611-8CFB-9BA1620000AC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2335.64
XXXXXX
8.5168
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
75B41382-62B7-4BBD-9E8B-CC7B19DA079D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1795.02
XXXXXX
9.1953
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5D07C282-12D7-48D4-A85C-8AF6A06819F7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3180.2
XXXXXX
9.1604
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C5E74BC9-073B-4B10-8138-018D6D7C583E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2745.13
XXXXXX
9.0991
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C5869910-BC5C-4B18-9ACE-52D8C75491A0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
825.5
XXXXXX
9.1634
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B00E5052-73DD-4F6D-8653-D3F782DF5EC6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
790
XXXXXX
8.3604
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7BD11067-8043-455D-B523-63990A98473B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2211.4
XXXXXX
9.2236
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C5ED77B4-7A6E-40B3-AE3B-5116FD987AB8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
8.2792
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C91CBCA3-D296-43A4-9164-99AAF99600C5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3531.98
XXXXXX
8.3465
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BD2479CF-7F78-4454-AEB6-B0557D455726
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
701.76
XXXXXX
9.8758
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
68487BA0-43F5-437E-951C-9EE8DA373E8E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1708.24
XXXXXX
8.5455
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
026C3FD7-DD1C-4C20-AFC0-1EEFEAF8F5EB
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2241.03
XXXXXX
10.487
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2A2041FA-D254-4768-B326-897778E6684F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4012
XXXXXX
8.8499
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A3B9AF7E-6D86-4FBC-AA64-1AAF7336D5A4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1664.02
XXXXXX
8.5005
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
19405EC2-CDC5-43AF-A7BD-807911A3C4C0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
5762.5
XXXXXX
8.3295
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6603F951-88E3-4332-9A06-AC36F4E5384F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4496.02
XXXXXX
8.3064
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A7ACBA00-0750-44C1-B61B-30AB0A2E7042
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1601
XXXXXX
9.4586
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8D44E94A-6774-4B8D-B958-A5C6B8AF2428
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1791
XXXXXX
8.5235
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3E3067FD-CA6D-432A-A9E0-E78E27E610E9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2541.03
XXXXXX
8.7658
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
20228F97-CDCF-4434-AEBD-254F5EB358E0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2413.5
XXXXXX
9.5783
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
803FD1E0-FDF9-4428-80D4-A54F6AAB6A49
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
10949.7
XXXXXX
8.9576
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6E63C49B-3C11-48F7-AD60-2ECC253A0B7A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3141
XXXXXX
8.4531
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F26910EF-8F1F-4682-99AF-73DFFF81E178
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2528.24
XXXXXX
8.5963
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B195FE8F-7AD0-4A0B-AE26-557EBD90CE98
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4315.05
XXXXXX
9.8064
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CAB57EA4-F7C6-4921-A4E9-6988EF18D142
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1529.56
XXXXXX
10.3322
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
522F6F49-7756-4960-82CB-F8E87287ED40
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2882.15
XXXXXX
9.4101
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E55BF433-5DC4-4B9C-B366-196216AAD237
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
6299
XXXXXX
8.424
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
49D65AE6-07D2-469A-A609-AF2292275847
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1848.52
XXXXXX
9.3202
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
56FA3BDE-2A05-4186-A030-1EC9085201AE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2210.52
XXXXXX
8.5394
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EFD0932F-62F8-4A3A-9505-C18CEEF2038C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1422.01
XXXXXX
9.0569
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A46794EC-98D8-4A2D-95FF-D2209D4093C3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2093.7
XXXXXX
8.4551
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
93823C37-C2A7-4EAA-9090-C6EB404ADB53
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1750.52
XXXXXX
8.9349
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
4F7F12E4-E421-410C-9384-E8326AAF39EA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2450.76
XXXXXX
8.3131
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F1B1F0DF-24C7-4A3A-B5B5-9E1125FBE0FC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1561
XXXXXX
8.7165
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D7BC54DF-E726-49CE-A0FF-1CDEF7616956
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2084.34
XXXXXX
9.4687
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
AAAD690A-35FE-4632-B320-D2706BA266D7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
970.6
XXXXXX
8.5466
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A1E9C0F8-E2C7-4F69-83DA-B50BFCC5DEB4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3186.01
XXXXXX
9.1052
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F3F222F4-2B54-4CC6-B562-2E8EED32DB60
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1786.02
XXXXXX
8.8397
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
145BA00A-B1AA-477B-BDF9-6DB661361A7E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2147.9
XXXXXX
8.9652
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
772FD7AC-1798-4EAA-B074-7CEC07CE1EB6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2122.01
XXXXXX
8.8395
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8395E84D-7B09-4142-AD96-28B5F1A6ADD6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2678.8
XXXXXX
9.9237
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BF4E78F7-4833-49E4-8A3A-8372661218C8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1349.01
XXXXXX
8.752
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BDA66712-175D-4277-AEF8-E96063C33851
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2075.03
XXXXXX
10.4604
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
35A918BA-37D3-40B3-8705-563E98297C41
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2342.03
XXXXXX
10.0928
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
57F4A650-CF3C-43F4-ADC6-F7E9757D7B64
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2577.02
XXXXXX
9.1353
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
308EB267-AD3B-4752-AEEF-36486073CFFE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1569.15
XXXXXX
8.8826
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6A2441DA-3359-4D59-A69F-1463AC520A40
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1375
XXXXXX
8.4752
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
406CD939-51EE-433E-8455-771628373AB5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1454.5
XXXXXX
9.2344
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C58837EF-FC80-409F-95B0-CC34EB2AFEC7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3386
XXXXXX
9.0349
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D599A7C7-E9E8-4792-B735-E6D062AE0F94
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1069.52
XXXXXX
8.6627
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C08A0CB6-E3CD-4D44-AE0D-DC65F0CB7EC8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1504.01
XXXXXX
8.5411
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
46446F3E-1DE8-4720-BFE8-42307F85CAC4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3756.36
XXXXXX
9.3052
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1117D78B-A079-4315-97F7-7928B0694050
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4797.22
XXXXXX
10.7304
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A1F8582E-21A6-4C8A-B5D5-423FBCE98F5E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
935
XXXXXX
8.5264
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
566FFD18-F4CF-4C5E-B1B5-D895615BAF1B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1579.8
XXXXXX
8.4288
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C9ECBF3A-B0C6-4A1B-9D88-1E01E734DD65
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1608.2
XXXXXX
8.7152
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
580C789F-9FC3-4892-82E6-0EF5E0476DA9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1683.52
XXXXXX
9.1474
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
760739DD-C0F7-40C7-ADDB-8B992070A93A
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1457.25
XXXXXX
10.6668
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9F093F80-E807-4B04-B976-F85CAD19FB3B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1354.01
XXXXXX
8.6725
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A58E4587-D093-49A5-86B5-ED1C59D53426
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
874
XXXXXX
9.8178
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2D4BB2CA-81C2-4A80-A247-307C572FA017
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
790
XXXXXX
8.1986
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D79E735C-743D-462B-B35D-C7075B57A0B6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2364.22
XXXXXX
9.2044
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C7014B03-8B52-43C7-A322-F852092B9DFA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2961.03
XXXXXX
9.0416
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2EBE7487-9690-4EA1-8FFD-AE6B859E6A05
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3594
XXXXXX
8.7232
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
30140D3B-F78D-42BF-A344-145FCAF87042
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2392.7
XXXXXX
8.9613
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EB353255-D56E-41BD-B06B-C5A9DC220D2C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2919.32
XXXXXX
8.6542
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9E0B1554-9679-45DF-ACEE-DED959318BF9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.2999
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7DBFE838-9A63-491D-8AA1-A78F9B3D0934
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1742.96
XXXXXX
8.7655
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6026BF5B-94E0-483F-B561-7AF770341785
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.3942
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8940DF43-D765-4AD9-AE44-DB79EC987F41
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2882
XXXXXX
8.9271
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BFCF68F5-CD07-4874-9B14-E3D6458D86A8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1352.64
XXXXXX
8.5859
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0C825CE7-039D-4F49-A2B7-222FD0281953
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3333
XXXXXX
9.446
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
98E9512D-7B47-49F2-98D1-E71202B29794
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2079.85
XXXXXX
10.0554
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EBD7A67C-FBF5-4071-825F-03146E460197
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1256.5
XXXXXX
8.5577
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F7882BE8-90CD-45B8-9BD6-5BCF5F63B238
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2089.53
XXXXXX
9.5473
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
563998AC-78D7-4987-9185-36C29CCF1CD9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2023.41
XXXXXX
9.2915
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3CCC0211-DFA1-4DCE-921E-B1457EA04FC3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1595.32
XXXXXX
8.475
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
593271C2-B8CB-40F0-B90A-2263B9FCEDE1
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1918.02
XXXXXX
10.2431
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1BB52A1B-5F7A-40DE-998C-67E4D3C4AA36
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1456.01
XXXXXX
8.6023
Employed
Unemployed
U.S. Citizen
(No Data)
(No Data)
No
0
47017CDA-4596-49FC-8D74-E598BD8F1339
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1568.51
XXXXXX
8.5059
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
37973BB6-AEEE-4557-9A43-B4B4ED659445
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
840
XXXXXX
8.6336
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
7C5FA362-B0ED-4399-9973-00F11CEB92B7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2064.51
XXXXXX
9.2965
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C282123E-5523-4551-8541-BAC8ACDD1174
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1145.81
XXXXXX
8.8282
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BE6DDBDD-4992-491A-80D9-DBA4A5848C8E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
918.5
XXXXXX
8.8734
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2C884139-B68F-4490-B421-5E89179B87B3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1761
XXXXXX
8.7415
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EC5F33A8-3F9C-4D8D-BF7C-AA81F350236A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2244.02
XXXXXX
8.9004
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8CDAE6DF-2BA2-4B2B-8573-338F9147BBB5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2385.83
XXXXXX
9.4927
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8E188E6A-D8B8-429E-BD41-C62406724484
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2093.53
XXXXXX
8.7143
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
788108A7-48A7-4005-8D0B-A11AF7C50F27
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1358.51
XXXXXX
8.3996
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
87BE623D-8319-4D4D-82AB-8D1221F0AE12
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.2496
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
039E804C-1633-4088-90D0-FCB05DD03D29
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2150.03
XXXXXX
8.6739
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A854C48D-A1F8-4B33-9E5F-5434940789A4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
750
XXXXXX
8.4006
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8E959A99-8768-4600-B9DD-873D408A71BE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1375.03
XXXXXX
8.4753
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
10DE0C3E-5EAF-4499-B73A-821AA96D8EF6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
9.0761
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
22581022-654F-4423-A00C-A19F90426B13
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1475
XXXXXX
8.4253
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
6030C392-9279-4B96-9AC8-6395B20B325B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1199.01
XXXXXX
8.3816
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
32FAAB29-9B0B-4EE3-A600-4DE65E849CF6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1639.8
XXXXXX
9.3896
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B4F7D283-B72E-4E40-BFDB-067F51D18B99
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3361.6
XXXXXX
10.8704
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
98625516-01A3-4DFD-8831-6CC14B128616
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1394.51
XXXXXX
8.8908
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F0390302-4576-4071-9332-4BA80CF12211
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4316.42
XXXXXX
9.892
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2E28D7FD-21FA-4529-A5C3-29A0DC61F705
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1720.52
XXXXXX
10.5809
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1D461E99-DC6C-41D6-BF08-B736C2745F11
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
885
XXXXXX
8.7258
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
089FB9A5-C6CC-4AD4-B0C1-8B5019148256
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1934.12
XXXXXX
8.6581
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
80EE1879-FB32-4EDE-8350-F0A272560883
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3488.08
XXXXXX
8.6914
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D1A16B9D-4E83-4979-B19E-3FBC929FB6F0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3394.52
XXXXXX
8.974
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EE70A38C-F12B-427F-B9D1-C9360E25CCC8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
810
XXXXXX
8.5539
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
76E27E5D-C9C7-41A5-9A2F-7622841DDB98
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1017.6
XXXXXX
9.1888
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
57D1B382-1238-4C27-B703-600E6EDD55FC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
805
XXXXXX
8.3553
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B4548CCC-8821-478B-BF2C-463048A8C4F7
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1499.51
XXXXXX
8.7203
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CB3317FB-1889-43F3-9667-9989CD92F305
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1350.6
XXXXXX
8.2844
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8680C7E7-BC74-479D-B1EF-21CBCE67A9E6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1485
XXXXXX
8.8501
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
944DC6C3-1C2A-45F6-B366-03B8630D64B0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1619.52
XXXXXX
8.7759
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
DE7170D0-39FD-42C3-A4A1-DA6A32B69A99
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1000
XXXXXX
9.2843
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
40530C20-B555-48A5-8B2D-1FA8B8169EA3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.3793
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
298594CC-1EA6-48D7-BA86-83E7420DA29C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2252.79
XXXXXX
8.4493
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
058CBD93-C6EB-4B6E-A4F1-84E10591CE16
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2409.75
XXXXXX
9.0999
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CCA7F5DF-44A0-4625-93F6-A68D6DA2BD5C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2525
XXXXXX
8.3765
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
3E23F307-5D6D-4AF6-BE03-5C990F8EE91E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1756.39
XXXXXX
8.44
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9962E9DF-A066-4820-B15B-754C7D8CDB24
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
830
XXXXXX
8.7481
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C68EAC1F-66EA-4FB7-AC69-8B6D42C26C66
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1238.51
XXXXXX
8.3362
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
936B22B8-F71E-41C3-8DCD-A932370CDD72
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1333
XXXXXX
8.2794
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F8F0CC47-00C3-46F3-9122-3EAE1FDC9720
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2379.22
XXXXXX
9.9883
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
04C38602-2CF6-440E-B044-84F567960DC6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1956.58
XXXXXX
9.6654
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
947727D9-1A9A-457C-9C06-450AFF18F96E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1438.51
XXXXXX
8.9795
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BFF68D56-6ADA-4E88-AD26-CA9188226C2E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
830
XXXXXX
8.3981
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F88BBF2A-A8D8-4909-8CC6-DE6A7E4040BE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.3068
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EC1DFBE6-2D9F-430E-8D98-791856DCCB22
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3011.13
XXXXXX
10.3468
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C7DF50A9-12E1-44B7-8840-587FE608D4EB
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5207.6
XXXXXX
8.5356
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
43D887FC-DD46-4726-9BAD-C1F4BB84BA05
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
5553.84
XXXXXX
8.5272
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
01B1B09B-07C6-447E-AC25-8B302329CCC0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1100
XXXXXX
9.1829
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
73C448F2-3AF9-49BE-9021-B75B1B8CC32C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1289.01
XXXXXX
9.6958
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CC89B417-B4ED-4002-810C-A4395802F616
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1512.5
XXXXXX
8.8485
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C42469B4-5E39-4B55-BBEA-00A40BB1A6EB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3775
XXXXXX
8.5594
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
51B804D2-B6F7-465B-8501-BD0810D9EB28
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
910
XXXXXX
8.3067
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FCD8DFD8-3D30-458D-8E29-A2F155D6BCFB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2725
XXXXXX
9.4705
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A109F4BE-3C31-456C-8FC3-41A25404BF13
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1757.09
XXXXXX
9.4268
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
86B1EB6C-6713-453A-B9DB-B4099CA399F2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1912.82
XXXXXX
8.8412
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
57608F37-F628-4A5F-A624-1BD05F16F271
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2088.2
XXXXXX
8.7559
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2E4C896D-3C93-4205-8DEF-049406D7602B
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4170.86
XXXXXX
9.0491
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9D73E986-843A-4403-8091-BE253FB4795A
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1642
XXXXXX
9.0862
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
EE94DC2A-7801-4F90-8D05-AE206B3D0313
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2339
XXXXXX
9.0495
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BB87F062-97A6-4816-8BA7-AE40795FA863
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
650
XXXXXX
8.1928
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
09A77930-0FC1-48C0-AEDD-F2E736682EC8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2621.8
XXXXXX
8.425
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DA4D0489-E124-493D-B038-FB4582A891D1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2030.12
XXXXXX
8.5638
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
BBA4ECEA-BCDC-484A-90FF-7D6B9DB4AF1E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1765.52
XXXXXX
9.0596
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0CE81E4C-0F7A-479B-96B4-77CF19D77A1D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1658.41
XXXXXX
8.4202
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F43AAFC6-4ED7-4E94-A4C6-6061BDEBAB54
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2815.6
XXXXXX
8.7167
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D73CC9B2-2D43-4EA1-84EE-2B46E6E0AC92
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1956.35
XXXXXX
8.3123
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
87B45DC1-234A-4AC1-B014-CD43DB502CFF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2070.65
XXXXXX
9.6706
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
572A3213-BA69-48CD-9B72-1346CAB84297
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1749.52
XXXXXX
8.6116
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1EBC226A-7F35-4C01-A377-7D8D2D3AF258
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3360.6
XXXXXX
9.4925
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
C68C0382-96D3-4E0B-97ED-458696BE5D58
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1942.15
XXXXXX
8.8298
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F01CFB2F-C0BD-4102-8D07-EFC9DDC1E727
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2045.02
XXXXXX
8.5535
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
452A370C-8AF3-48A2-BBE3-6932E78030CC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2717.4
XXXXXX
8.9034
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CD7B4F00-814B-41CA-83A8-D71431D0E6BC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2741
XXXXXX
8.7801
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
C380D78B-3A5C-4FDA-98C2-7D8A3CE6BFA9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
5476
XXXXXX
8.6325
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
69D6B37D-871D-49D2-B55D-B10334B85A08
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1363.88
XXXXXX
9.5952
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9E345895-D365-4774-9C6B-519498C63423
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3150.65
XXXXXX
8.4415
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1C179BF7-DB1E-4366-A113-E6B430A722E0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1259.01
XXXXXX
8.1576
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5044C5DE-62B8-40FE-9AF5-8F6EAE29029C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1979.52
XXXXXX
8.7454
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
E2EF0D08-EC5C-4453-A67F-B8374A3317EB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2365.65
XXXXXX
8.7581
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
5B5D3B82-2794-4D79-95B2-8AB486F962E2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1656.02
XXXXXX
8.7533
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
845AB59C-D4E9-4CAA-88F6-81D4AF5FB46B
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
885
XXXXXX
8.4217
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
1D0A6C21-E226-4A05-94C0-0647DCB36A7F
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2427.78
XXXXXX
10.6104
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8AB8B71A-859E-4920-92C7-ABAB014A484D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3677.05
XXXXXX
9.1348
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
A6822CB8-1FF6-40EB-B1CF-8DA348E7F5A3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1130.01
XXXXXX
8.8693
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
ABF90CC1-C3F4-4A7D-899D-3978FA52854E
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1889.54
XXXXXX
10.4057
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8F9A6009-4C03-4C9B-AD16-36F33DC4AB77
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2881
XXXXXX
8.7092
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1EB05FF9-127D-4FC0-AB6E-278C4ADB59AF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2318.53
XXXXXX
8.6998
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
28FBDE8F-9362-417A-8095-91C9E324FE20
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1585.02
XXXXXX
8.5671
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EDFCF913-B3C7-410A-AC22-403D32F20566
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2277.02
XXXXXX
10.0716
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
DCBC21D3-1C1D-41A0-8DAF-972DA514DF34
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.807
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
F14B8D1C-0C73-4905-BC6A-5A70BDE1AF48
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1545.02
XXXXXX
8.5247
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
FE70585D-768F-478D-9251-A660834AD3F6
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
958.1
XXXXXX
9.982
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
CC1536DC-D3AF-4FD3-AEF4-605E4F166B64
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1764.7
XXXXXX
9.0156
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
00BDE618-9FA0-47B4-8ECE-4D3499C288AB
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2682.16
XXXXXX
9.2067
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
6770BD1F-FFE8-474A-8B87-077FF7AE4A79
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1565.2
XXXXXX
8.8623
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
A7298AE7-8BFB-4A09-A397-C78130E20D71
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1810.12
XXXXXX
8.8218
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
1FDEB2E0-D1FC-495E-ADFA-6E63C39DE7B2
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1682.52
XXXXXX
9.1162
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
49E3398B-3C54-4BA7-BAE4-044A39AA5638
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1414.51
XXXXXX
8.4478
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B87DFD8A-91F5-46E5-9424-BCB41453D5FA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2341.03
XXXXXX
8.9713
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4D916778-C631-4B31-8F7F-B320040D6821
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1235.69
XXXXXX
10.5162
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
40D8D42D-668C-4F95-ABCA-857794661965
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1379.53
XXXXXX
9.45
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8CEA1078-AA9C-48EA-B973-43F9E80792A9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3027.2
XXXXXX
8.5041
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
EC981558-D69A-49DE-B6E3-1C35878F7870
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1895.25
XXXXXX
9.2438
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8B87E5B8-9DB5-46E6-BF0A-6038297E519C
XXXXXX
XXXXXX
QM: Rebuttable Presumption (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2402.64
XXXXXX
10.5998
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
4BE03B41-949D-454A-884E-991E6A738F90
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2567.3
XXXXXX
9.3816
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
2EFEBBB5-12D5-4FCD-AB89-A1FAC99363DC
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2711.18
XXXXXX
9.2642
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
BDAED8D9-7973-48B0-87A2-855E7D0E5725
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1856.4
XXXXXX
8.3596
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
5358F1CB-7D8D-409A-BAFB-842222B44A81
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1899.5
XXXXXX
8.3412
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
9130AFD4-D29B-444A-A252-219E01727B54
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2161.02
XXXXXX
8.675
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
91A44445-D726-4BA8-9120-14670981AAD9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1911.4
XXXXXX
8.5953
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9021CCF2-FBF6-4A23-8085-EA8431C8A12E
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1955.52
XXXXXX
8.6184
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
22FDC3E5-C4EC-41A9-AD38-97E73CF224E8
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1915.95
XXXXXX
8.8451
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
860E509A-044D-40CE-8E5F-4DEDD032B829
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2361.46
XXXXXX
9.4837
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
0DF072C1-A9D6-48C9-9093-9353FEBB553F
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1948.52
XXXXXX
9.8886
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9244D8A3-B9CC-4F9E-9127-988105E5799C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3371.69
XXXXXX
9.4611
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
F174FAB3-316C-4EDF-BDA1-E6D28A07F749
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
4490.2
XXXXXX
8.8876
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
618A5A10-6966-4D39-863B-AF40046EE6DE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
850
XXXXXX
8.3557
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
B05742F5-1C20-49D3-B730-9516B575CD93
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.3199
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D2084EB9-D142-4E2A-822B-72514FADFFE1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1925.03
XXXXXX
9.8787
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
B14A6D51-A4A2-4664-8685-B4235C02BD25
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1841.53
XXXXXX
8.8675
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
51BCA0CB-7F2B-4D4F-B0A6-D9D9FD3D9AA3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2899.43
XXXXXX
9.3055
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CD11E388-BBA6-4558-B0B8-F38661F563FE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1343.7
XXXXXX
8.5142
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
389F43D5-00B2-4B58-B728-43BBC983C5C0
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2804.29
XXXXXX
10.0491
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
35802E94-4B90-445B-9EEB-0A33FEA903C9
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1114.51
XXXXXX
8.2496
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
99C5BE69-3059-42BB-AD0B-9989891164D1
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1990.28
XXXXXX
9.5308
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
9C31878D-5A16-4EC6-B652-8C264AE43EDF
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1745.51
XXXXXX
9.2763
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
88D7CF42-B78B-4607-ADD5-8FE11BCC9DE4
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2423.98
XXXXXX
9.1412
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
09E23B5B-7DDC-436C-B007-5560A2147100
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3352.89
XXXXXX
9.2547
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8DE95B5D-7398-4EBE-B5F4-587CC810F483
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2655.45
XXXXXX
9.3601
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
85039E41-C24A-473D-A36A-CA254DFBFAC5
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2277.4
XXXXXX
8.6208
Retired
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D63E6C05-7D84-485A-836E-E3606754F70C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3240.55
XXXXXX
8.4599
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D4C8A63C-7ED0-4E1E-834E-B302B7F57066
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1740.26
XXXXXX
8.5225
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
3A69CCEB-BBE7-4C82-A826-1A1BE340CF61
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1883.72
XXXXXX
8.6943
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
006D9770-C153-473A-933F-289E7A221693
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
785
XXXXXX
8.6054
Retired
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
D99E46FB-DC5A-450E-B92A-734A97E84B1D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2236.18
XXXXXX
9.7774
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7527D835-4EEB-44CF-A65F-2B54E7868902
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1602.63
XXXXXX
9.3383
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
728CDE81-20A5-4129-8B73-D346BC403AB0
XXXXXX
XXXXXX
Non-QM: Lender documented all ATR UW factors
No
Yes
XXXXXX
XXXXXX
No
No
5125.44
XXXXXX
8.894
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
604881FE-EFF2-4BEB-B29F-6B74EA1B1DE3
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
3831.63
XXXXXX
8.6398
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
D3AB703E-AB85-4552-B9D5-38791478BD9C
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1473.55
XXXXXX
8.8747
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2A67A571-646A-4B1D-A692-E53859A66713
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2218.88
XXXXXX
9.3479
Employed
Retired
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8D286411-0FF3-45C8-AE21-B49025CAADEA
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1791.52
XXXXXX
8.8267
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
8072AEE8-431D-4735-8406-DF7950382914
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
4521.7
XXXXXX
8.6457
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
CF26684E-266A-4068-8A49-FFEED0B55D42
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1183.82
XXXXXX
9.5126
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
2C583C18-96DC-4DB1-8147-4E7BD3DCF933
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
835
XXXXXX
8.2029
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
38A33A35-F674-4882-9AEB-2B09A8073E13
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
6343.31
XXXXXX
9.0308
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
7A04B3B4-EC17-45BD-AB00-7C13A82C94EE
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2229.49
XXXXXX
8.6434
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
177403A4-A208-4A08-B19B-DA1F942FBE8D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
200
XXXXXX
8.8754
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
0
684E5AF2-F5EB-4890-B053-0FD52BA23D4D
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
2453.02
XXXXXX
8.843
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
8B5F259F-2963-4FDA-BFE4-9EF53C53E966
XXXXXX
XXXXXX
QM: Safe Harbor (APOR)
No
Yes
XXXXXX
XXXXXX
No
Yes
1768
XXXXXX
8.7153
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
0
 


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