J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.19
| Loan Number | Seller Loan ID | Initial Loan Grade | Final Loan Grade | Initial DBRS Loan Grade | Final DBRS Loan Grade | Initial DBRS Credit Loan Grade | Final DBRS Credit Loan Grade | Initial DBRS Compliance Loan Grade | Final DBRS Compliance Loan Grade | Initial DBRS Property Loan Grade | Final DBRS Property Loan Grade | Initial Moody's Loan Grade | Final Moody's Loan Grade | Initial Moody's Credit Loan Grade | Final Moody's Credit Loan Grade | Initial Moody's Compliance Loan Grade | Final Moody's Compliance Loan Grade | Initial Moody's Property Loan Grade | Final Moody's Property Loan Grade | Initial Fitch Loan Grade | Final Fitch Loan Grade | Initial Fitch Credit Loan Grade | Final Fitch Credit Loan Grade | Initial Fitch Compliance Loan Grade | Final Fitch Compliance Loan Grade | Initial Fitch Property Loan Grade | Final Fitch Property Loan Grade | Initial Kroll Loan Grade | Final Kroll Loan Grade | Initial Kroll Credit Loan Grade | Final Kroll Credit Loan Grade | Initial Kroll Compliance Loan Grade | Final Kroll Compliance Loan Grade | Initial Kroll Property Loan Grade | Final Kroll Property Loan Grade | Initial S&P Loan Grade | Final S&P Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Initial S&P Property Loan Grade | Final S&P Property Loan Grade | Originator QM/ATR Status | TPR QM/ATR Status |
| 304494957 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304734771 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847781 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866785 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868073 | XXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305013334 | XXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305013324 | XXXXX | D | B | D | B | B | B | N/A | N/A | D | A | D | B | B | B | N/A | N/A | D | A | D | B | B | B | N/A | N/A | D | A | D | B | B | B | N/A | N/A | D | A | D | B | B | B | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305013325 | XXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304894632 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304477566 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304705154 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304707675 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304684693 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811760 | XXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748770 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304813303 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847783 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847784 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304867977 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304826967 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858952 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852951 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893824 | XXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871987 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874746 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874100 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304888285 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893699 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304973614 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846321 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872627 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852312 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874322 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873981 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304896372 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304909602 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874320 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304895014 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304908707 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848521 | XXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848475 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779741 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728948 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898583 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898534 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495494 | XXXXX | D | B | D | B | D | A | N/A | N/A | B | B | D | B | D | A | N/A | N/A | B | B | D | B | D | A | N/A | N/A | B | B | D | B | D | A | N/A | N/A | B | B | D | B | D | A | N/A | N/A | B | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866893 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893335 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902654 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902722 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871809 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859641 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893083 | XXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305026823 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305026778 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037633 | XXXXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037637 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037573 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037746 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902425 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037699 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037681 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037649 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037648 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037610 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037578 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047765 | XXXXX | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037809 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037593 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037571 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037726 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037587 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050673 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050670 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050665 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050646 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050642 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050604 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047767 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050678 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050658 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050651 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050626 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050598 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037774 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037607 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050579 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037570 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050570 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050507 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050504 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050502 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050428 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050664 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050522 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050517 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047764 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037583 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050614 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050523 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050660 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050501 | XXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050417 | XXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050583 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037783 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050580 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050557 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844044 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304731515 | XXXXX | D | A | D | A | D | A | N/A | N/A | C | A | D | A | D | A | N/A | N/A | C | A | D | A | D | A | N/A | N/A | C | A | D | A | D | A | N/A | N/A | C | A | D | A | D | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859560 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844211 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859755 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893526 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305035829 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035828 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035823 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305031009 | XXXXX | C | B | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304911758 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305035818 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035817 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869180 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304872535 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305035812 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304903051 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859503 | XXXXX | D | B | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902534 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902363 | XXXXX | C | B | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050684 | XXXXX | C | B | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037801 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050681 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037786 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037778 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050668 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037738 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037737 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050657 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050649 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037695 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037680 | XXXXX | B | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037679 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037674 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050643 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037659 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037653 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037652 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898135 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898120 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898098 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037643 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037639 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037634 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037629 | XXXXX | C | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037624 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037617 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037608 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037602 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037595 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050603 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037576 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050596 | XXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037566 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050587 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050548 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050524 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050515 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050460 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050423 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050412 | XXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875038 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305035796 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035788 | XXXXX | C | B | C | B | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | C | B | C | B | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035781 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035777 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035773 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035769 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035756 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035751 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035750 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035749 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035748 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035745 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035744 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035742 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035740 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035736 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035735 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035733 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035728 | XXXXX | B | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305025798 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035713 | XXXXX | D | B | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035712 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035709 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035707 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035696 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035693 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035687 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035683 | XXXXX | D | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035673 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035668 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035663 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035661 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035660 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035648 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035641 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035632 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035630 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035624 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035620 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035618 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035617 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035615 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035611 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035606 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035601 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304895531 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304908677 | XXXXX | B | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908676 | XXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304909879 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305031742 | XXXXX | D | B | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305012711 | XXXXX | D | A | D | A | D | A | B | A | B | A | D | A | D | A | B | A | B | A | D | A | D | A | B | A | B | A | D | A | D | A | B | A | B | A | D | A | D | A | B | A | B | A | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors |
| 304896763 | XXXXX | D | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305023970 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305023971 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305024033 | XXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305024034 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305024039 | XXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305024040 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305026167 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305047131 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305027443 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305027454 | XXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305034651 | XXXXX | D | B | D | B | D | A | D | B | A | A | D | B | D | A | D | B | A | A | D | B | D | A | D | B | A | A | D | B | D | A | D | B | A | A | D | B | D | A | D | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305028829 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029164 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029202 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029220 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029219 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029227 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029726 | XXXXX | D | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305029729 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305057821 | XXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305030767 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305031042 | XXXXX | D | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305031474 | XXXXX | D | B | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305031472 | XXXXX | D | B | D | B | D | B | B | B | A | A | D | B | D | B | B | B | A | A | D | B | D | B | B | B | A | A | D | B | D | B | B | B | A | A | D | B | D | B | B | B | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305031713 | XXXXX | D | B | D | B | D | A | B | B | D | A | D | B | D | A | B | B | D | A | D | B | D | A | B | B | D | A | D | B | D | A | B | B | D | A | D | B | D | A | B | B | D | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305042021 | XXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305033578 | XXXXX | D | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304872516 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305036773 | XXXXX | D | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305042986 | XXXXX | D | B | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037848 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305037849 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305038552 | XXXXX | D | B | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305047504 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304909727 | XXXXX | D | A | D | A | D | A | C | A | C | A | D | A | D | A | C | A | C | A | D | A | D | A | C | A | C | A | D | A | D | A | C | A | C | A | D | A | D | A | C | A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304894650 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047133 | XXXXX | D | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304908744 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |