Loan ID
Seller Loan ID
Investor Loan ID
Lender Application Date
Originator QM Status
Final QM Status
Originator QM Status Difference than Final QM Status?
Reason Why NonQM Final Status
APR Pricing Threshold Exceeded?
QM DTI Threshold Exceeded?
Higher Priced Mortgage Loan (HPML)?
Negatively Amortizing Loan?
Principal Deferment?
Interest Only Flag?
Prepayment Penalty?
Balloon Flag?
Adjustable Rate Balloon?
Loan Term Less Than 5 Years?
QM Points and Fees Threshold Exceeded?
QM Total Points and Fees
APR
ATR: Qualifying Payment Properly Considered?
ATR: Current Employment/Self-Employment Verified?
ATR: Balloon Qualifying Payment Properly Considered?
ATR: Reasonable Income or Assets Considered?
ATR: Subject PITIA Adequately Documented?
ATR: All Liabilities Including Alimony and Child Support in DTI?
ATR: Simultaneous Loan Calculated Properly
ATR: Credit History was Considered Properly?
ATR: Did Lender Document All ATR Factors?
ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?
Residual Income
Residual Income Meets Guidelines?
Borrower 1 Employment Indicator
Borrower 2 Employment Indicator
Borrower 1 Foreign National Indicator
Borrower 2 Foreign National Indicator
Business Purpose Loan?
Business Purpose Verified?
409045730
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors  
Non-QM: Lender documented all ATR UW factors  
No
  
Not Tested
No
Yes
No
No
No
No
No
No
No
Not Tested
0
8.457
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Employed
No
No
No
  
409044230
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044231
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.217
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045732
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.847
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Not Employed
No
No
No
  
409044233
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.543
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045733
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.768
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045784
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.727
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Retired
  
No
  
No
  
409045735
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.783
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045736
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.66
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045737
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.565
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044237
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044238
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.1
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044239
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
No
Yes
Present
409044242
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.965
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044243
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044244
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.841
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044245
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
No
Yes
Present
409044329
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.95
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Not Employed
  
No
  
No
  
409045742
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
Yes
No
No
No
No
No
No
No
Not Tested
0
8.694
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044248
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044249
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409045743
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.114
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044250
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.66
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Not Employed
No
No
No
  
409045744
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.439
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Employed
No
No
No
  
409044252
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044253
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044254
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409045745
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
ATR/QM: Exempt
Yes
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
N/A
Employed
  
No
  
Yes
Present
409044255
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
N/A
Employed
  
No
  
Yes
Present
409045746
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.531
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044257
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
No
Yes
Present
409044328
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
Yes
No
No
No
No
Not Tested
0
6.898
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Not Employed
  
No
  
No
  
409044259
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044260
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
N/A
Employed
  
No
  
Yes
Present
409044261
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
N/A
Employed
  
No
  
Yes
Present
409044262
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.754
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045748
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.706
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045785
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.898
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Employed
Not Employed
No
No
No
  
409044264
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409045752
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
7.502
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Employed
  
No
  
No
  
409045753
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.792
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044265
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
N/A
Employed
Not Employed
No
No
Yes
Present
409044267
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044270
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.084
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Employed
Not Employed
No
No
No
  
409044271
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044274
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
N/A
Employed
Employed
No
No
Yes
Present
409045755
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.87
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Not Employed
No
No
No
  
409044275
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044276
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044277
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044278
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409045787
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.53
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Employed
  
No
  
No
  
409044280
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.533
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044281
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.884
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Retired
Not Employed
No
No
No
  
409044282
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044284
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044286
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
Yes
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044287
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044288
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044291
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044292
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044293
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044296
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
Yes
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
No
Yes
Present
409044297
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.158
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045761
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
Yes
Employed
  
No
  
Yes
Present
409045795
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.642
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044345
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.669
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Employed
No
No
No
  
409044344
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
Yes
No
No
No
No
No
No
No
Not Tested
0
8.786
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Employed
  
No
  
No
  
409045763
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.903
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045764
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.944
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044326
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.535
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Employed
No
No
No
  
409044334
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
N/A
Employed
  
No
  
Yes
Present
409044299
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
6.99
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Employed
No
No
No
  
409044333
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.019
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Employed
Not Employed
No
No
No
  
409045765
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.663
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Not Employed
No
No
No
  
409044300
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044301
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
7.014
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045789
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.572
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Employed
No
No
No
  
409044302
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXX
N/A
Employed
  
No
  
Yes
Present
409045767
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
6.615
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044303
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
Yes
No
No
No
No
No
No
No
Not Tested
0
9.741
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045768
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.708
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409045769
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.975
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Employed
No
No
No
  
409044343
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
Yes
No
No
No
No
Not Tested
0
7.191
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Employed
  
No
  
No
  
409045770
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
Yes
No
No
No
No
No
No
No
Not Tested
0
7.758
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044319
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.045
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Not Employed
  
No
  
No
  
409044306
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.721
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
Not Employed
No
No
No
  
409045796
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.603
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044308
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.874
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
N/A
Employed
Employed
No
No
No
  
409044310
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044311
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409044314
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
7.368
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No
  
409044315
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
409045772
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
Yes
No
No
No
No
No
No
No
Not Tested
0
7.91
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXX
Yes
Employed
  
No
  
No