Exhibit 99.02 Schedule 6

 

Loan ID Investor Loan ID Seller Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
4000076530     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 9395 7.333 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000080225     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1870 7.935 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000077721     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6606 6.953 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000083034     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000086073     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000089245     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000087843     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2165 6.909 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Not Employed   No   No  
4000089784     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1820 6.776 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Not Employed Not Employed No No No  
4000085256     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000089350     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000089739     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000092128     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000087960     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000088776     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7015 7.638 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000089359     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000092548     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No No 12685 8.346 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000087955     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No No 1670 6.64 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000094069     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 9390 6.966 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000092861     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4400 6.702 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000090382     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 3981.25 7.097 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000088648     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000093060     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000092893     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 14557.5 6.866 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000091237     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000094458     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 10815.63 7.117 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094133     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 13681.25 6.918 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094135     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No No 2750 9.195 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000092909     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 15335 7.124 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000089405     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000094994     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10090 6.697 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000094497     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 9645 7.046 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes xxx N/A Employed   No   No  
4000094429     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 14201.26 6.639 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094460     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 11198.8 6.829 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000091398     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 12253 6.831 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000090825     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000093282     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000092397     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000088764     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000094134     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1450 7.024 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000091397     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 5362.14 7.001 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095267     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000090704     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1840 6.013 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000094298     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000093840     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 13946.25 6.893 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094415     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000094976     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000094112     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5425 7.111 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094979     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7400 6.804 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095015     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 10800 6.833 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095390     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2450 6.739 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000091829     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1859.87 6.992 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000094440     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 6650 6.684 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000091684     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10026.25 6.86 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094444     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7445 6.853 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000093139     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000090761     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1925.25 6.789 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Employed No No No  
4000091807     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1798 5.599 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Not Employed No No No  
4000094603     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000093408     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000092908     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 11200 6.957 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095064     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 15271.15 6.801 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000091336     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000093210     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000092573     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1985 6.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Not Employed   No   No  
4000092776     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000094997     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 0 6.75 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094937     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 17512.5 7.022 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094973     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 45643.75 6.889 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094958     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3062.5 6.641 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094980     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9645 6.826 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000094919     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4850 7.007 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094929     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 15821 6.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000087741     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000091688     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 34450 7.073 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
4000091763     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000093640     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000092894     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No Yes No No No No No 1495 6.645 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed Employed No No No  
4000095450     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7033.75 6.756 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095005     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000095016     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7445 6.691 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000091469     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000094428     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 11020 6.578 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095071     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 20276.25 6.856 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000087827     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000095376     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5961.88 6.582 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094427     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4356.25 6.655 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094417     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 13450 6.768 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095686     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9162.26 6.716 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A xxx N/A Employed   No   No  
4000092205     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000092887     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4354.7 7.066 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000090642     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000095456     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 12760 6.943 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095690     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 19325 6.887 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095458     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9351 7.041 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095447     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9450 6.969 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000092875     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No No No No No No No No No No No 1799 6.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000090110     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No No No No No No No No No No No 1920 6.717 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
4000094446     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1920 6.691 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Not Employed No No No  
4000093222     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2320 6.915 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000097132     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000093141     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000094434     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000095369     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 7125 6.683 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095703     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 10140 6.8 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095054     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000095367     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 8465 6.867 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000093850     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No Yes No No No No No No No No No 7850 7.406 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000095847     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 12372 6.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No  
4000095403     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 9545 6.782 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095048     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9060 6.949 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000094683     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000091509     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A     No No Yes Present
4000098334     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 9145 6.798 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095371     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 12133.5 6.697 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094939     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7900 6.802 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000094761     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000092192     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000098727     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3145 6.692 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000089200     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000094488     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000094942     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5538.65 6.688 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095803     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000094630     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No No No No No No No No No No No 1445 6.944 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000093932     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000094091     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1990 6.387 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Unknown No No No  
4000098553     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000096848     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1720 6.636 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Not Employed   No   No  
4000094651     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1880 6.933 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000092697     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2155.25 7.601 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000097181     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7894 6.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095643     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9818.5 6.464 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000098322     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No Yes No No No No No No No No No 8095 7.223 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No No  
4000098209     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000092919     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000095652     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5480 6.846 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000097015     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Retired Employed No No Yes Present
4000092990     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 2320 6.781 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000097192     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000098785     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4730 6.648 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000098290     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 12612.5 6.602 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000096080     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000096671     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4665 6.705 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000085299     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000100928     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7520 6.952 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000098537     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5287.5 6.701 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000098696     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7380 6.683 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000098538     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2720 6.947 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx Yes Employed   No   No  
4000099630     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000097698     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000098762     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6820 6.481 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100309     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9975 7.166 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099626     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 17242 6.752 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000096055     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1750.25 8.25 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000098294     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10550 6.622 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099581     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 3200 6.848 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000096905     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000098454     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1740 7.5 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000095555     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000100396     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 11556.25 6.823 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000097707     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
4000094978     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No No No No No No No No No No No 1715 6.652 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000096703     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2845 6.469 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000093214     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000100411     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6950 6.703 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100242     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000099292     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000099638     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 13950 6.681 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000096198     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101066     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10900 6.771 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100397     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5450 6.771 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000098639     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000098652     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 22250 6.774 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000098845     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000101106     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0           Yes Present
4000100853     xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No Yes No No No No No No No Yes 10265 8.401 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000100250     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7227.2 6.704 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099814     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000097309     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000099013     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000097777     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000099793     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2055.25 6.99 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000095821     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A Yes N/A Yes N/A N/A N/A Yes Yes N/A xxx N/A Employed Employed No No Yes Present
4000101429     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5925 6.852 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000097710     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000099596     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 16685 7.154 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101345     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6095 6.633 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101680     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 12125 6.715 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101049     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No No 2450 8.154 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000098034     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7120.6 6.33 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100440     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Yes 10100 7.056 Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101057     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5154.5 6.644 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000098657     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 2614.26 7.018 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099777     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       Yes Yes N/A Yes N/A N/A N/A Yes N/A N/A xxx N/A Employed Not Employed No No Yes Present
4000101533     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6772 6.624 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101828     xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No Yes No No No No No No No No 12167.13 8.193 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101815     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8537.5 6.996 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102000     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101674     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101678     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000095493     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 2087 6.535 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Retired No No No  
4000102023     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 4630 6.941 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099783     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000100495     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Not Employed No No Yes Present
4000101561     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No No No No No No No No No No No 0 8.324 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101770     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000100789     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A xxx N/A Employed   No   Yes Present
4000100315     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5948.96 6.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000101046     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000096806     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A Yes N/A Yes N/A N/A N/A Yes Yes N/A xxx N/A Not Employed   No   Yes Present
4000099824     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5977.45 6.416 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099225     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1800 7.125 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000100629     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000098863     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1710 6.926 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099647     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101869     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000099722     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No No No No No No No No No No No 1845 6.79 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
4000101377     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101829     xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No Yes No No No No No No No No No 1790 6.962 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000100777     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No Yes Present
4000102776     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101603     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4376.82 6.914 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000098820     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1390 6.537 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000100683     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 2665 7.04 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102193     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 15635 7.02 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100834     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000102401     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 23395 7.069 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099115     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102552     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A Yes N/A 0 N/A     No   Yes Present
4000099848     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No No 1805 7.393 Yes Yes N/A Yes N/A N/A N/A Yes Yes N/A xxx N/A Employed   No   Yes Present
4000098515     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000099428     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102670     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102570     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No No No No No No No No No No No 5397.67 6.475 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed Employed No No No  
4000100358     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1890 7.736 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed Employed No No No  
4000103854     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Retired No No Yes Present
4000099087     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102252     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7659.78 6.726 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102489     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6805 6.815 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102025     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8650 6.908 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102034     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 16950 7.448 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000101326     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000101808     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5959.38 6.636 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102704     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 9013.75 6.998 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102646     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 11933 6.796 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
4000101534     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8318.13 6.851 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102035     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 8240.8 7.063 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000102486     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2450 6.812 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099314     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000100157     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A Yes N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000100975     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A Yes N/A Yes N/A N/A N/A Yes N/A N/A xxx N/A Employed Employed No No Yes Present
4000100179     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000100000     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A Yes N/A N/A N/A N/A N/A N/A xxx N/A Retired Retired No No Yes Present
4000102445     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7480 6.28 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
4000101812     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 2095 6.796 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102471     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102450     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 11632.5 7.057 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101314     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 38994.98 6.798 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100361     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 31850 6.984 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102899     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000101466     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000102449     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9903 6.54 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101048     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5845 6.579 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101065     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2490 6.809 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100175     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000103361     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000101853     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000100760     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000101512     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1670 6.654 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Employed No No No  
4000098237     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104021     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102485     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No No 2745 7.109 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102281     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000096317     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000101810     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000103200     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000103435     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102710     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 12295 6.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101026     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000103029     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000100998     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102211     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000100746     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No Yes No No No No No No No No No 1625 7.752 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000103112     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 9140 7.351 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000103106     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 5500 6.581 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000101879     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000098517     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000098922     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 1470 6.55 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000102927     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 8587 6.667 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101050     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102242     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 6411.25 6.796 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101471     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8362.5 7.047 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102706     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3440 6.571 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101771     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000101269     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1745 7.15 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Employed No No No  
4000102033     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 18195 6.641 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102310     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000103104     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101044     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 12010 6.732 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101487     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000101503     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102931     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102488     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2745 6.903 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101042     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 4750 7.2 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101509     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8700 7.173 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102091     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No No No No No No No No No No No 1975.25 6.687 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100747     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000098860     xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No No No No No No No No No No 1880 7.019 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000101596     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No No No No No No No No No No No 3075.25 7.879 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
4000070084     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       Yes   Yes Present
4000102971     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) Yes Appendix Q Documentation No No No No No No No No No No No 2463.75 6.839 Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Retired Retired No No No  
4000103786     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No No 41690 7.113 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102786     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A Yes N/A Yes N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000102204     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3335 6.615 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000103314     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 17846.88 6.976 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000101015     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000103378     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000095751     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102491     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000094797     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000100849     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102483     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 6815 6.691 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102465     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 11995 6.521 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101908     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000104536     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 5429 6.791 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101283     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No Yes No No No No No No No No No 5786.5 7.236 Yes No N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100492     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000100857     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1830.25 6.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101493     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1250 6.911 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000097624     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000099721     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7766 7.35 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000101431     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000100896     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000103968     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000097398     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102048     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102719     xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No Yes No No No No No No No No No 39559 7.257 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed   No   No  
4000102289     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102652     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 6450 6.925 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000104404     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8855 7.141 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100823     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000101489     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9460 6.944 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx No Employed   No   No  
4000101840     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 10538 6.503 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101511     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9730 7.032 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101681     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2270 6.807 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101817     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 15612 6.99 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000099470     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000101102     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000103353     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 5356 6.968 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102249     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9050.32 6.625 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101510     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9450 6.805 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102482     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101821     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 3440 6.813 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102689     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 17537.5 7.05 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101469     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 13425 6.78 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000105379     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2450 7.042 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000098689     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000097245     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000103543     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 8906.88 6.749 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102232     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102408     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 15025 6.789 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000100604     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7150 6.917 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000101498     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000101615     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102818     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000103518     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000097901     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1715 7.393 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000103406     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102284     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000103103     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10285 6.735 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000103108     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 9172 6.889 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000103544     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102697     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000096470     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104486     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 13070 6.901 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed Employed No No No  
4000104907     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102463     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 8930 7 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102644     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 12362.5 7.04 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000102206     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No No 6255 6.915 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101276     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Not Employed   No   Yes Present
4000101495     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1555.25 7.661 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
4000102959     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No No No No No No No No No No No 1575.25 6.757 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No  
4000101679     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2450 7.3 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101832     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102459     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1820.25 6.778 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000100589     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1820 6.841 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101962     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 2660 6.906 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000103306     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 17541.25 6.685 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000103325     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102676     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2070 6.545 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000102036     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 8550 7.092 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000103078     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No No 2265.25 6.748 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000099728     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102693     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000104908     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 4895 6.578 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000101568     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1480 7.917 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed Not Employed No No No  
4000105257     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104489     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5700 6.808 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000099236     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000102254     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000103075     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101963     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000105726     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 5790 6.883 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000087722     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000096918     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 12821.16 6.963 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102278     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000099732     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1770 6.91 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000101951     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No Yes No No No No No No No No No 1269.95 8.2 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102469     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10445 6.643 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000104307     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101387     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1920 6.537 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown   No   No  
4000104586     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 5338.75 6.453 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102347     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000105675     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2290 6.126 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102461     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9945 6.918 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100389     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000098488     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000101748     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101706     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000101849     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000100213     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000101632     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104357     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102510     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2529.25 8.054 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000104354     xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No Yes Yes No No No No No No No No 10510 8.359 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101380     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104090     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000098469     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000104657     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000105297     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7823.13 7.068 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000106644     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000105944     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2450 7.151 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102052     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1380.25 7.191 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000104768     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6348.75 7.621 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000102901     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2006.75 6.338 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Retired No No No  
4000102844     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1901 6.753 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Not Employed No No No  
4000105672     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 7904 6.801 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000105965     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 10435.42 6.482 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000105976     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000107315     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2450 6.915 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102814     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2320 6.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102174     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104825     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Retired Employed No No Yes Present
4000096796     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102549     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104529     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104268     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 4717.49 6.581 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000106915     xxx ATR/QM: Exempt ATR/QM: Exempt No Appendix Q Documentation No No No No No No No No No No No 4000 6.699 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Not Employed Not Employed No No No  
4000105140     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 20370 6.798 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102210     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104271     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000104640     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102290     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000105493     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000096930     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 4436.61 6.991 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000105979     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 22345 7.103 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000104000     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 8340 6.576 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102669     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1770 6.918 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000106094     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No Yes No No No No No 20130 6.509 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000107297     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2445 6.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000102740     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000100393     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 4993.75 7.062 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000108165     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 42695 6.757 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000100150     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000102427     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000103097     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1980.25 6.764 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000107316     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2095 6.906 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000106343     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000107348     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000103782     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
4000098611     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000105994     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000102940     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1620 6.921 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000108184     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000108013     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000097249     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000105715     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7400 6.951 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000107279     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 10340 6.875 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101684     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 6135 7.186 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000105993     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 4768.75 7.343 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000106815     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000108201     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 10225 6.904 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000108015     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No No 17407.38 7.28 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000101715     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000104154     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No No Yes Present
4000108202     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 7502.5 6.686 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000106144     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1495 6.954 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000104379     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
4000105186     xxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Appendix Q Documentation No No No No No No No No No No No 1595 7.638 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Retired No No No  
4000103768     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000107298     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 9850 6.914 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000105725     xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present