Exhibit 99.03 Schedule 7

 

Loan ID Seller Loan ID Redaction 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?
XXXX XXXX 4000074299 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 25815 7.775 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9960.81 N/A Employed   No   No  
XXXX XXXX 4000080150 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 17885 7.923 Yes N/A N/A Yes Yes Yes N/A Yes N/A N/A 24196.68 N/A Employed   No   No  
XXXX XXXX 4000080144 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 47253.48 N/A Employed   No   Yes Present
XXXX XXXX 4000080496 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7490 7.622 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 21262.31 N/A Employed   No   No  
XXXX XXXX 4000093991 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 14850 7.138 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 13691.32 Yes Employed   No   No  
XXXX XXXX 4000091458 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8040 6.741 Yes Yes N/A Yes N/A Yes N/A Yes Yes Yes 7377.54 N/A Employed   No   No  
XXXX XXXX 4000093990 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11580 7.071 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 14835.38 N/A Employed   No   No  
XXXX XXXX 4000083331 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1590 7.271 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 337182.7 Yes Employed   No   No  
XXXX XXXX 4000084399 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 13250 7.949 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 9474.46 Yes Employed   No   No  
XXXX XXXX 4000093993 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1495 6.638 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29568.5 N/A Employed   No   No  
XXXX XXXX 4000088153 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10675.6 8.194 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 468456.99 N/A Employed   No   No  
XXXX XXXX 4000093676 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12490 6.88 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11153.76 N/A Employed   No   No  
XXXX XXXX 4000094005 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12490 7.147 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 20081.42 N/A Employed   No   No  
XXXX XXXX 4000097986 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX XXXX 4000097569 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000084725 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 22661.38 Yes Employed   No   Yes Present
XXXX XXXX 4000100847 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000095435 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2495 6.841 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5255.39 N/A Employed   No   No  
XXXX XXXX 4000095438 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2590 6.707 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 17819.85 N/A Employed   No   No  
XXXX XXXX 4000095426 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7145 6.789 Yes Yes N/A Yes N/A Yes N/A Yes Yes Yes 8796.58 N/A Employed   No   No  
XXXX XXXX 4000097874 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15475 6.725 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22668.25 N/A Employed   No   No  
XXXX XXXX 4000097566 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 9095 6.791 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6504.96 Yes Employed   No   No  
XXXX XXXX 4000098757 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 110737 N/A Employed   No   Yes Present
XXXX XXXX 4000097466 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12090 6.883 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 18319.11 N/A Employed   No   No  
XXXX XXXX 4000097465 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 17175 7.279 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13487.12 N/A Employed   No   No  
XXXX XXXX 4000098756 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 108642.25 N/A Employed   No   Yes Present
XXXX XXXX 4000097468 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13595 7.099 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10574.03 N/A Employed   No   No  
XXXX XXXX 4000097273 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9389 6.828 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8754.65 N/A Employed   No   No  
XXXX XXXX 4000097896 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   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 18052.18 N/A Employed   No   Yes Present
XXXX XXXX 4000097264 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9898.1 7.117 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 8194.6 Yes Employed   No   No  
XXXX XXXX 4000098755 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10688 7.734 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 8562.33 N/A Employed   No   No  
XXXX XXXX 4000097456 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9057.5 6.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7324.21 Yes Employed   No   No  
XXXX XXXX 4000097459 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12710 6.798 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11400.88 N/A Employed   No   No  
XXXX XXXX 4000097877 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2490 6.881 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6697.2 N/A Employed   No   No  
XXXX XXXX 4000092575 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000099244 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2340 6.958 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4305.81 N/A Employed   No   No  
XXXX XXXX 4000099245 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 10495 7.033 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9360.49 Yes Employed Employed No No No  
XXXX XXXX 4000101350 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A Yes Yes 17287.54 N/A Employed   No   Yes Present
XXXX XXXX 4000099241 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000099242 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000099243 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000098552 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 47714.44 N/A Employed   No   Yes Present
XXXX XXXX 4000098547 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2720 6.824 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6853.33 Yes Employed   No   No  
XXXX XXXX 4000098545 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2720 6.664 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8655.42 Yes Employed   No   No  
XXXX XXXX 4000100029 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 27490 6.991 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 77559.18 Yes Employed   No   No  
XXXX XXXX 4000099491 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 19971.44 N/A Employed   No   Yes Present
XXXX XXXX 4000098542 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2720 6.727 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17824.1 N/A Employed   No   No  
XXXX XXXX 4000101359 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1595 6.787 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14851.54 N/A Employed   No   No  
XXXX XXXX 4000099258 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12555 6.79 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13455.46 N/A Employed Employed No No No  
XXXX XXXX 4000100199 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12195 6.629 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 5889.35 N/A Employed   No   No  
XXXX XXXX 4000100208 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2640 6.809 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9124.87 N/A Employed   No   No  
XXXX XXXX 4000100201 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8720 6.413 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7787.31 N/A Employed   No   No  
XXXX XXXX 4000100207 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1595 6.685 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16183.41 N/A Employed   No   No  
XXXX XXXX 4000100039 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 5415 8.475 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6159.4 Yes Employed   No   No  
XXXX XXXX 4000100200 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3660 6.517 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9295.57 N/A Employed   No   No  
XXXX XXXX 4000100206 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2345 6.659 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10010.29 N/A Employed   No   No  
XXXX XXXX 4000100038 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 49939.25 N/A Employed   No   Yes Present
XXXX XXXX 4000100030 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4370 6.939 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4387.68 N/A Employed   No   No  
XXXX XXXX 4000100209 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10695 6.668 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16382.96 N/A Not Employed Employed No No No  
XXXX XXXX 4000100192 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10240 7.542 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8494.38 N/A Employed   No   No  
XXXX XXXX 4000100196 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8680 6.852 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10288.17 N/A Employed   No   No  
XXXX XXXX 4000100193 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21080 6.745 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14722.98 N/A Employed   No   No  
XXXX XXXX 4000101369 XXXX ATR/QM: Exempt ATR/QM: Exempt 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 27976.84 N/A Employed   No   Yes Present
XXXX XXXX 4000100657 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4530 6.953 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7783.67 Yes Employed   No   No  
XXXX XXXX 4000100651 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2390 7.37 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4988.1 N/A Employed   No   No  
XXXX XXXX 4000100189 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10113.75 6.707 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 9618.38 Yes Employed   No   No  
XXXX XXXX 4000100658 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7802 6.819 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11932.17 N/A Employed   No   No  
XXXX XXXX 4000101370 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000100655 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10483 6.787 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8210 N/A Employed   No   No  
XXXX XXXX 4000101421 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A Yes N/A N/A N/A N/A N/A N/A N/A N/A 70359.44 N/A Employed Employed No No Yes Present
XXXX XXXX 4000100884 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000101368 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10282.5 6.529 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9305.93 N/A Employed   No   No  
XXXX XXXX 4000100891 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5495 7.42 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4954.12 N/A Employed   No   No  
XXXX XXXX 4000096548 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9959 7.051 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12391.74 N/A Employed   No   No  
XXXX XXXX 4000101366 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5847.5 6.588 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11352.78 Yes Employed Employed No No No  
XXXX XXXX 4000101419 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2295 6.891 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 20349.63 N/A Employed Employed No No No  
XXXX XXXX 4000101418 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A N/A N/A N/A N/A Yes N/A N/A 11957.19 N/A Employed   No   Yes Present
XXXX XXXX 4000101361 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 11215 6.792 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9922.44 N/A Employed Employed No No No  
XXXX XXXX 4000101367 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 8281.95 N/A Employed   No   Yes Present
XXXX XXXX 4000102608 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4295 6.448 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5063.49 N/A Employed   No   No  
XXXX XXXX 4000102614 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12215 6.849 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9721.03 N/A Employed   No   No  
XXXX XXXX 4000101888 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8695 6.791 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8288.02 Yes Employed   No   No  
XXXX XXXX 4000102333 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7268.35 7.004 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3662.28 Yes Employed   No   No  
XXXX XXXX 4000102317 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A Yes N/A Yes N/A Yes Yes N/A 63211.58 N/A Employed   No   Yes Present
XXXX XXXX 4000102322 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 2490 8.6 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16254.3 N/A Employed   No   No  
XXXX XXXX 4000102329 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2495 7.41 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 13710.77 N/A Employed   No   No  
XXXX XXXX 4000102599 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8620 6.54 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6673.21 N/A Employed   No   No  
XXXX XXXX 4000102313 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11790 6.717 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 8645.33 N/A Employed   No   No  
XXXX XXXX 4000102316 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A 14942.13 N/A Employed   No   Yes Present
XXXX XXXX 4000102597 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4290 6.957 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7016.12 N/A Employed   No   No  
XXXX XXXX 4000102319 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15465 6.916 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A 19719.18 Yes Employed Not Employed No No No  
XXXX XXXX 4000102331 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5495 6.818 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7958.47 N/A Employed Not Employed No No No  
XXXX XXXX 4000102320 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12690 6.976 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20324.22 N/A Employed   No   No  
XXXX XXXX 4000102595 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2690 6.852 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5041.55 N/A Employed   No   No  
XXXX XXXX 4000102601 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10945 6.534 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10939.46 N/A Employed   No   No  
XXXX XXXX 4000102315 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000102600 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3085 6.613 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8884.7 Yes Employed   No   No  
XXXX XXXX 4000102619 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1495 6.949 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9941.82 N/A Employed   No   No  
XXXX XXXX 4000103010 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2490 6.411 Yes Yes N/A Yes Yes No N/A Yes Yes Yes 8399.9 N/A Employed   No   No  
XXXX XXXX 4000103008 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7265 6.629 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 5852.05 N/A Employed   No   No  
XXXX XXXX 4000102621 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7190 6.453 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13138.66 N/A Employed   No   No  
XXXX XXXX 4000103007 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No No Yes Present
XXXX XXXX 4000103006 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9122.5 6.511 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4919.42 N/A Employed   No   No  
XXXX XXXX 4000102602 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10035 6.691 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 13604.54 Yes Employed   No   No  
XXXX XXXX 4000102999 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5005 7.146 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4222.29 Yes Employed   No   No  
XXXX XXXX 4000103004 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10120 6.73 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15468.67 N/A Employed   No   No  
XXXX XXXX 4000102997 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12715 6.706 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9156.54 N/A Employed   No   No  
XXXX XXXX 4000103208 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8995 6.725 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 27715.38 N/A Employed   No   No  
XXXX XXXX 4000102620 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2490 6.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18789.36 N/A Employed   No   No  
XXXX XXXX 4000103207 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8845 6.915 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8505.58 N/A Employed Employed No No No  
XXXX XXXX 4000103203 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12245 6.797 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15053.28 Yes Employed   No   No  
XXXX XXXX 4000103204 XXXX ATR/QM: Exempt ATR/QM: Exempt 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 34513.44 N/A Employed   No   Yes Present
XXXX XXXX 4000103210 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000103206 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes N/A N/A N/A Yes Yes Yes 8619.86 N/A Employed   No   Yes Present
XXXX XXXX 4000103254 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A Yes N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000103639 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A Yes N/A N/A 31613.6 N/A Employed   No   Yes Present
XXXX XXXX 4000099740 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 20378.32 7.317 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16929.18 Yes Employed   No   No  
XXXX XXXX 4000099102 XXXX ATR/QM: Exempt ATR/QM: Exempt 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         No   Yes Present
XXXX XXXX 4000102618 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A Yes N/A Yes Yes N/A 98934.38 N/A Employed   No   Yes Present
XXXX XXXX 4000103643 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8635 7.474 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6122.64 Yes Employed   No   No  
XXXX XXXX 4000104472 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 8055 9.099 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6897.06 N/A Employed   No   No  
XXXX XXXX 4000101988 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 31085 6.488 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 38211.38 N/A Employed   No   No  
XXXX XXXX 4000104443 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes Yes Yes N/A Yes Yes Yes 44281.97 N/A Employed   No   Yes Present
XXXX XXXX 4000101410 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000104454 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2985 6.61 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5668.76 N/A Employed   No   No  
XXXX XXXX 4000104461 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13820 6.333 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31401.61 N/A Employed   No   No  
XXXX XXXX 4000104468 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2740 6.953 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12649.07 N/A Employed   No   No  
XXXX XXXX 4000105090 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A Yes Yes N/A Yes Yes N/A 6320.66 N/A Employed   No   Yes Present
XXXX XXXX 4000104475 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10000 6.523 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29252.06 N/A Employed Employed No No No  
XXXX XXXX 4000105079 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11245 6.783 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8051.02 N/A Employed   No   No  
XXXX XXXX 4000105076 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10870 6.658 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 51153.93 N/A Employed   No   No  
XXXX XXXX 4000105394 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 21845 7.672 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20877.17 N/A Employed   No   No  
XXXX XXXX 4000102933 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000105072 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 30834.82 7.041 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21585.09 Yes Employed   No   No  
XXXX XXXX 4000105075 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9200 6.392 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11208.78 N/A Employed   No   No  
XXXX XXXX 4000105397 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5113.75 6.833 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4417.14 Yes Employed   No   No  
XXXX XXXX 4000105393 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2640 6.66 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 65012.59 N/A Employed   No   No  
XXXX XXXX 4000105408 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 10297.8 6.935 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6554.59 N/A Employed   No   No  
XXXX XXXX 4000094027 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1590 6.898 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31644.07 N/A Employed   No   No  
XXXX XXXX 4000105694 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 2490 8.249 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11859.52 N/A Employed   No   No  
XXXX XXXX 4000105690 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 9290 6.69 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10389.82 N/A Employed   No   No  
XXXX XXXX 4000106033 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 10894.96 6.665 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12446.86 N/A Employed   No   No  
XXXX XXXX 4000106029 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11260 7.988 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22790.59 N/A Employed   No   No  
XXXX XXXX 4000102876 XXXX ATR/QM: Exempt ATR/QM: Exempt 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 Yes Yes 47259.97 Yes Not Employed   No   Yes Present
XXXX XXXX 4000106043 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 16160 6.499 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24772.1 N/A Employed   No   No  
XXXX XXXX 4000106040 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2490 6.918 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10641.8 N/A Employed   No   No  
XXXX XXXX 4000106061 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 40102.08 N/A Employed   No   Yes Present
XXXX XXXX 4000103527 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 4000102021 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present