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 |
| 304789501 | XXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | D | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858396 | 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 |
| 304846906 | 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 |
| 304898300 | 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 |
| 304898063 | 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 |
| 304904527 | 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 |
| 304899077 | 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 |
| 304889844 | 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 |
| 304898977 | 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 |
| 304897053 | 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 |
| 304892072 | 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 |
| 304905117 | 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 |
| 304327672 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304351713 | 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 |
| 304459204 | 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 |
| 304459356 | XXXXX | D | B | D | B | D | B | N/A | N/A | D | A | D | B | D | B | N/A | N/A | D | A | D | B | D | B | N/A | N/A | D | A | D | B | D | B | N/A | N/A | D | A | D | B | D | B | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304636586 | 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 |
| 304497466 | 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 |
| 304641307 | 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 |
| 304493902 | 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 |
| 304692679 | 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 |
| 304730274 | 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 |
| 304481435 | 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 |
| 304685763 | 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 |
| 304734129 | 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 |
| 304728743 | 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 |
| 304756734 | 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 |
| 304685820 | 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 |
| 304757465 | 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 |
| 304814705 | 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 |
| 304768199 | 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 |
| 304745118 | 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 |
| 304736162 | 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 |
| 304823358 | 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 |
| 304813206 | 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 |
| 304832996 | 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 |
| 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 |
| 304820208 | 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 |
| 304840199 | 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 |
| 304822828 | 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 |
| 304823120 | 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 |
| 304840429 | 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 |
| 304847862 | 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 |
| 304823318 | 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 |
| 304843762 | 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 |
| 304842902 | 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 |
| 304832988 | 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 |
| 304848110 | 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 |
| 304847829 | 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 |
| 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 |
| 304871451 | 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 |
| 304847776 | 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 |
| 304860685 | 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 |
| 304842883 | 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 |
| 304867877 | 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 |
| 304842886 | 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 |
| 304862129 | 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 |
| 304870080 | 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 |
| 304855030 | 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 |
| 304843768 | 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 |
| 304855028 | 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 |
| 304865126 | 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 |
| 304875158 | 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 |
| 304868244 | 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 |
| 304842882 | 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 |
| 304855029 | 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 |
| 304844575 | 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 |
| 304847525 | 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 |
| 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 |
| 304862119 | 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 |
| 304875160 | 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 |
| 304869246 | 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 |
| 304865204 | 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 |
| 304860674 | 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 |
| 304860676 | 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 |
| 304865053 | 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 |
| 304865196 | 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 |
| 304868289 | 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 |
| 304873553 | 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 |
| 304874824 | 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 |
| 304844572 | 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 |
| 304897021 | 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 |
| 304873914 | 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 |
| 304876023 | 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 |
| 304898891 | 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 |
| 304749880 | 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 |
| 305053649 | 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 |
| 305053650 | 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 |
| 305053648 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053647 | 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 |
| 305053646 | 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 |
| 305053640 | 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 |
| 305053641 | 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 |
| 305053644 | 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 |
| 305053642 | 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 |
| 305053643 | 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 |
| 305053638 | 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 |
| 305053629 | 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 |
| 305053636 | XXXXX | D | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053635 | 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 |
| 305053623 | 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 |
| 305053633 | 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 |
| 304866755 | 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 |
| 304902530 | 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 |
| 304908741 | 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 |
| 304908740 | 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 |
| 305050689 | 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 |
| 305047759 | 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 |
| 305065258 | 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 |
| 305065254 | 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 |
| 305065253 | 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 |
| 305047755 | 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 |
| 305065260 | 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 |
| 304511305 | 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 |
| 304823807 | 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 |
| 304823793 | 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 |
| 304812660 | 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 |
| 304823710 | 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 |
| 304844248 | 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 |
| 304843962 | 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 |
| 304859690 | 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 |
| 304325913 | 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 |
| 304325926 | 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 |
| 304495341 | 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 |
| 304495519 | 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 |
| 304816713 | 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 |
| 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 |
| 304827838 | XXXXX | A | A | A | A | A | A | N/A | N/A | C | A | A | A | A | A | N/A | N/A | C | A | A | A | A | A | N/A | N/A | C | A | A | A | A | A | N/A | N/A | C | A | A | A | A | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811692 | 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 |
| 304811655 | 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 |
| 304811745 | 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 |
| 304811693 | 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 |
| 304779790 | 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 |
| 304779718 | 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 |
| 304779704 | 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 |
| 304779654 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779748 | 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 |
| 304779671 | 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 |
| 304898625 | 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 |
| 304779662 | 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 |
| 304779678 | 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 |
| 304779719 | 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 |
| 304824836 | 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 |
| 304824771 | 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 |
| 304824803 | 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 |
| 304728987 | 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 |
| 304728981 | 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 |
| 304728925 | 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 |
| 304898533 | 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 |
| 304821274 | 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 |
| 304325970 | 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 |
| 304375629 | 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 |
| 304495397 | 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 |
| 304841668 | 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 |
| 304841676 | 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 |
| 304866925 | XXXXX | C | B | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897267 | 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 |
| 304873746 | 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 |
| 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 |
| 305011906 | 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 |
| 304905169 | 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) |
| 304894301 | 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) |
| 304897056 | 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 |
| 305035764 | 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 |
| 305035770 | 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 |
| 305012710 | XXXXX | D | B | D | B | D | A | D | B | B | A | D | B | D | A | D | B | B | A | D | B | D | A | D | B | B | A | D | B | D | A | D | B | B | A | D | B | D | A | D | B | B | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305035711 | 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 |
| 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 |
| 304908668 | XXXXX | D | B | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305035822 | 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 |
| 305035719 | 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 |
| 305035826 | 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 |
| 305035710 | 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 |
| 305035704 | 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 |
| 305035664 | 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 |
| 305035662 | 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 |
| 305035808 | 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 |
| 305035772 | 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 |
| 305035761 | XXXXX | D | A | D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | D | A | D | A | D | A | C | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035654 | 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 |
| 305035614 | 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 |
| 305035726 | 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 |
| 305035646 | 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 |
| 305035643 | 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 |
| 305035638 | 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 |
| 305035635 | 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 |
| 305035627 | 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 |
| 305035616 | 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 |
| 305035604 | 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 |
| 305035602 | 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 |
| 305035831 | 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 |
| 305035800 | 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 |
| 305035729 | 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 |
| 305035644 | 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 |
| 305035765 | 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 |
| 305035699 | 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 |
| 305037807 | 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 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037765 | XXXXX | C | 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 | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037590 | 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 |
| 305037660 | 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 |
| 305037718 | 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 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037713 | 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 |
| 305037798 | 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 |
| 305037702 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050390 | 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 |
| 305050650 | XXXXX | D | B | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037601 | 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 |
| 305050427 | 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 |
| 305066588 | 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 |
| 304757057 | 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 |
| 304757060 | 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 |
| 305026146 | 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) |
| 304907298 | 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 | QM: Safe Harbor APOR (APOR SH) |
| 305013568 | 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) |
| 304908679 | XXXXX | B | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305029621 | 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 |