Exhibit 99.2 Schedule 6

 

Marketing ID 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?
30 XX XX 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 6.805 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 54760.81 N/A Employed No No
32 XX XX 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 6.952 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2243.33 N/A Employed No No
39 XX XX 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 6.826 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23359.4 N/A Employed Employed No No No
44 XX XX 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
45 XX XX 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 6.973 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 81840.75 N/A Employed Retired No No No
51 XX XX 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 6.695 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5250.6 N/A Employed Employed No No No
53 XX XX 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 6.725 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18292.6 N/A Employed No No
54 XX XX 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 6.867 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4061.08 N/A Employed No No
55 XX XX 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 6.69 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22447.36 N/A Employed Employed No No No
57 XX XX 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 6.316 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9175.93 N/A Employed No No
59 XX XX 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 8.247 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4597.68 N/A Employed No No
62 XX XX 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 44186.34 N/A Employed No Yes Present
63 XX XX 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
65 XX XX 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 6.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14818.8 N/A Employed No No
66 XX XX 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 2218.85 N/A Retired No Yes Present
68 XX XX 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 7.08 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 54986.89 N/A Employed No No
69 XX XX 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 6.745 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11584.45 N/A Employed Not Employed No No No
70 XX XX Non-QM: Lender documented all ATR UW factors Yes Not Tested No No No No No No No No No Not Tested 0 7.759 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34759.92 N/A Employed No No
71 XX XX 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
73 XX XX 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 6.968 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 80148.62 N/A Employed No No
75 XX XX 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 6422.94 N/A Employed No Yes Present
76 XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No No No No No No No No No Not Tested 0 6.402 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 8491.8 N/A Employed No Yes Present
84 XX XX 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 6.631 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 175257.48 N/A Employed Not Employed No No No
89 XX XX 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 7.097 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10843.03 N/A Not Employed Employed No No No
93 XX XX 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 7.117 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13716.94 N/A Employed No No
94 XX XX 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 6.186 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 211896.11 N/A Employed No No
95 XX XX 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
100 XX XX 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
102 XX XX 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
105 XX XX 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 27096.61 N/A Employed Employed No No Yes Present
107 XX XX 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 7.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 70579.63 N/A Not Employed Employed No No No
113 XX XX 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 No Yes Present
126 XX XX 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 6.929 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 224631.12 N/A Employed No No
127 XX XX 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 225535.96 N/A Employed Employed No No No
129 XX XX 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 4960.35 N/A Employed No Yes Present
130 XX XX 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 No Yes Present
135 XX XX 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
136 XX XX 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 No Yes Present
138 XX XX 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
140 XX XX 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 8.962 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25443.51 N/A Employed No No
143 XX XX 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 5027.57 N/A Employed No Yes Present
145 XX XX 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 7.835 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6399.7 N/A Employed No No
149 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
156 XX XX 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
160 XX XX 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 81745.14 N/A Employed No No
162 XX XX 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 119361.64 N/A Employed No Yes Present
163 XX XX 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 No Yes Present
205 XX XX 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 6.737 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14805.71 N/A Employed No No
206 XX XX 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 6.592 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14025.06 N/A Employed No No
207 XX XX 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 19255.66 N/A Employed No Yes Present
208 XX XX 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
211 XX XX 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
214 XX XX 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 7.711 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 100966.79 N/A Employed No No
219 XX XX 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 1937462.47 N/A Employed No Yes Present
220 XX XX 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
221 XX XX 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 6.616 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7078 N/A Employed No No
226 XX XX 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 7.856 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15008.12 N/A Employed No No
228 XX XX 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 7.276 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4032.67 Yes Employed No No
230 XX XX 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 6.867 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14700.44 N/A Employed No No
231 XX XX 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 6.141 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14272.45 N/A Employed No No
233 XX XX 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 6.963 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3292.75 N/A Employed No No
241 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes Yes No No No No No No No Not Tested 0 8.16 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3149.55 N/A Employed No No
245 XX XX 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 7.015 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6408.52 N/A Employed No No
248 XX XX 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 6.867 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14695.05 Yes Employed No No
249 XX XX 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 6.538 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10106.15 N/A Employed Retired No No No
250 XX XX 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
257 XX XX 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 6.971 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 67721.96 N/A Employed No No
259 XX XX 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
263 XX XX 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 9.583 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4162.42 N/A Employed No No
266 XX XX 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 6.631 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16857.01 N/A Employed No No
276 XX XX 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
278 XX XX 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
279 XX XX 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 7.05 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34356.11 N/A Employed No No
279 XX XX 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 6.714 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7597.33 N/A Employed No No
283 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 6.338 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 983385.91 N/A Employed No No
288 XX XX 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 7.087 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2297.16 N/A Retired No No
290 XX XX 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
291 XX XX 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 6.551 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8536.81 N/A Employed No No
292 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes Yes No No No No No No No Not Tested 0 8.66 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3857.77 N/A Employed No No
294 XX XX 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
295 XX XX 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 7.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8511.51 N/A Employed Employed No No No
296 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 6.823 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24777.18 N/A Employed No No
297 XX XX 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 7.189 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 727260.41 N/A Employed No No
298 XX XX 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
303 XX XX 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 6.398 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14306.67 N/A Retired No No
304 XX XX 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 No Yes Present
305 XX XX 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 6.602 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 147106.64 Yes Employed No No
307 XX XX 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 7.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 67193.51 N/A Employed No No
308 XX XX 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 6.917 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 62868.94 N/A Employed No No
311 XX XX 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
312 XX XX 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 6.905 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4916.29 N/A Employed No No
316 XX XX 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 6.84 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6679.3 N/A Not Employed Not Employed No No No
319 XX XX 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
320 XX XX 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 7.093 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5361.5 N/A Employed Employed No No No
324 XX XX 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 6.816 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15064.72 N/A Employed No No
327 XX XX 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 6.634 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29237.31 N/A Employed No No
330 XX XX 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 6.342 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60922.23 N/A Employed No No
334 XX XX 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 6.844 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24119.45 N/A Retired Employed No No No
336 XX XX 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
338 XX XX 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 7.07 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26892.4 N/A Employed No No
341 XX XX 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 6.362 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18297.72 N/A Employed No No
346 XX XX 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
349 XX XX 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 6.367 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11531.83 N/A Employed No No
352 XX XX 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 6.677 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20095.67 N/A Employed No No
355 XX XX 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 77479.88 N/A Employed No Yes Present
358 XX XX 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
359 XX XX 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
361 XX XX 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 6.513 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5961.22 N/A Employed No No
363 XX XX 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 6.157 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 106370.36 N/A Employed No No
365 XX XX 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 6.634 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10338.35 N/A Employed No No
368 XX XX 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 No Yes Present
370 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 6.638 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37450.41 N/A Employed No No
372 XX XX 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 35072.44 N/A Employed Employed No No Yes Present
376 XX XX 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 9.232 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6634.2 N/A Employed No No
380 XX XX 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
386 XX XX 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
389 XX XX 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 7.231 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 85785.56 N/A Employed No No
392 XX XX 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 7.482 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7071.89 N/A Employed No No
393 XX XX 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 6.827 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 142812.95 N/A Employed No No
395 XX XX 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
397 XX XX 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 7.291 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 80844.99 N/A Employed No No
398 XX XX 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 7.155 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18910.98 N/A Employed Employed No No No
399 XX XX 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 6.383 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37877.52 N/A Employed No No
401 XX XX 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 6.172 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 169378.64 N/A Employed No No
402 XX XX 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
408 XX XX 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 6.723 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6877.73 N/A Employed No No
409 XX XX 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
414 XX XX 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
416 XX XX 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
420 XX XX 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 6.564 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7070.88 N/A Employed No No
424 XX XX 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 7.007 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 89776.83 N/A Employed No No
428 XX XX 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 6.773 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 6483.69 Yes Retired No No
432 XX XX 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 8.619 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6991.7 N/A Employed Not Employed No No No
440 XX XX 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
445 XX XX 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 No Yes Present
448 XX XX 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
451 XX XX 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 6.892 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16223.93 N/A Employed No No
453 XX XX 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 8175.25 N/A Employed No No
456 XX XX 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 7.061 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 262723.01 N/A Employed No No
457 XX XX 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 6.622 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33903.99 N/A Employed No No
459 XX XX 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 6.992 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6808.65 N/A Employed No No
460 XX XX 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 15276.72 N/A Employed Employed No No Yes Present
462 XX XX 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 258007.89 N/A Employed No Yes Present
464 XX XX 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
466 XX XX 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 21778.13 N/A Employed No Yes Present
467 XX XX 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
468 XX XX 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 4678.64 N/A Employed No No
470 XX XX 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 7.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3635.48 N/A Employed No No
471 XX XX 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 45519.44 N/A Employed Employed No No No
472 XX XX 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 6.141 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17549.73 N/A Employed No No
476 XX XX 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 6.652 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17339.92 N/A Employed No No
479 XX XX 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 6.65 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15174.24 N/A Employed Employed No No No
483 XX XX 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 No Yes Present
490 XX XX 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
491 XX XX 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
495 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 7.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9662.42 N/A Employed No No
496 XX XX ATR/QM: Exempt Non-QM: Lender documented all ATR UW factors Yes Not Tested No No No No No No No No No Not Tested 0 6.548 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 98370.5 N/A Employed Employed No No No
497 XX XX 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 11732.99 N/A Employed Employed No No Yes Present
500 XX XX 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
501 XX XX 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 7.702 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25837.49 N/A Employed No No
502 XX XX 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 7.905 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32665.66 N/A Employed No No
503 XX XX 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
505 XX XX 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 6.39 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10477.75 N/A Employed No No
508 XX XX 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 7.141 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15067.31 N/A Employed No No
510 XX XX 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
511 XX XX 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 7.178 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10990.19 N/A Employed No No
514 XX XX 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 6.905 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19832.15 N/A Employed No No
516 XX XX 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 7.726 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26662.46 N/A Employed No No
517 XX XX 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 26288.02 N/A Employed No Yes Present
518 XX XX 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 7.601 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25724.05 N/A Employed No No
520 XX XX 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
523 XX XX 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 6.901 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17705.67 N/A Employed No No
524 XX XX 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
525 XX XX 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 7.337 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31562.96 N/A Employed No No
528 XX XX 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
529 XX XX 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 6.041 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 295473.24 N/A Employed No No
530 XX XX 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 7.015 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 63303.67 N/A Employed No No
531 XX XX 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 7.332 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10128.96 N/A Employed No No
534 XX XX 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
535 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 7.007 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9873.39 N/A Employed No No
536 XX XX 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 6.417 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8692.02 N/A Employed No No
539 XX XX 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 6.945 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17240.25 N/A Retired Employed No No No
543 XX XX 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
545 XX XX 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
546 XX XX 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
549 XX XX 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 6.155 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 139494.2 N/A Employed No No
550 XX XX 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
554 XX XX 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 Yes N/A Yes Yes Yes N/A Yes Yes Yes 37974.32 N/A Employed No No
557 XX XX 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
559 XX XX 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 6.202 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12320.9 N/A Employed No No
561 XX XX 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 7.744 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6091.43 N/A Employed No No
563 XX XX 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 5839 N/A Employed No Yes Present
564 XX XX 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 6.716 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2666.44 N/A Retired Retired No No No
566 XX XX 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 6.955 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23240.41 N/A Employed No No
569 XX XX 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 7.201 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3259.14 N/A Employed No No No
572 XX XX 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 6.889 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7523.48 N/A Employed Employed No No No
573 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 6.143 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13718.89 N/A Employed Employed No No No
574 XX XX 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
576 XX XX 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 7.582 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 40691.07 N/A Not Employed Employed No No No
579 XX XX 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 29992 N/A Employed No Yes Present
580 XX XX 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
582 XX XX 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 6.884 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5362.27 N/A Employed No No
584 XX XX 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
585 XX XX 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 7.371 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5673.19 N/A Retired No No
586 XX XX 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 6.959 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19835.24 N/A Employed No No
587 XX XX 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
589 XX XX 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
591 XX XX 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
594 XX XX 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 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15119.08 N/A Employed No No
596 XX XX 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 6.733 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 46848.44 N/A Employed Employed No No No
599 XX XX 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 7.07 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9295.35 N/A Employed Not Employed No No No
600 XX XX 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 10139.15 N/A Employed Not Employed No No Yes Present
604 XX XX 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 6.933 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28731.43 N/A Employed No No
606 XX XX 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
607 XX XX 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 6.422 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2171.7 N/A Retired No No
610 XX XX 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 6.304 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 9545.39 N/A Retired No No
614 XX XX 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
615 XX XX 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
616 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 7.563 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 36828.55 N/A Not Employed Employed No No No
618 XX XX 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
619 XX XX 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 6.286 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60961.28 N/A Employed Employed No No No
620 XX XX 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 127265.05 Yes Employed No Yes Present
623 XX XX 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 7.135 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 156438 N/A Employed Not Employed No No No
627 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes Yes No No No No No No No Not Tested 0 8.209 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3270.93 N/A Employed No No
628 XX XX 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 6.426 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30601.26 N/A Employed No No
629 XX XX 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 6.431 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5360.05 N/A Employed Employed No No No
633 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 7.358 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 49202.59 N/A Employed Retired No No No
634 XX XX 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 No Yes Present
635 XX XX 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 6.869 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3731.51 N/A Employed No No
636 XX XX 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 7.125 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22002.85 N/A Employed No No
636 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
639 XX XX 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 6.916 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12531.84 N/A Employed No No
640 XX XX 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
641 XX XX 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
644 XX XX 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 6.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7880.62 N/A Employed No No
646 XX XX 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 7.127 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10900.24 N/A Employed No No
650 XX XX 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 7.852 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35830.07 N/A Employed No No
651 XX XX 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
652 XX XX 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 6.079 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5722.21 N/A Employed Employed No No No
653 XX XX 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 6.848 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6373.26 N/A Employed No No
655 XX XX 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 6.39 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18500 Yes Retired No No
658 XX XX 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 7122.55 N/A Employed Retired No No Yes Present
659 XX XX 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 7.488 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11513.39 N/A Employed No No
661 XX XX 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 7.414 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34729.89 N/A Employed Retired No No No
662 XX XX 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
663 XX XX 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 7.024 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3758.93 N/A Employed No No
664 XX XX 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 9876.74 N/A Retired Employed No No Yes Present
665 XX XX 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 31602.54 N/A Employed No Yes Present
667 XX XX 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 7.027 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6263.56 Yes Retired Retired No No No
670 XX XX 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 7.188 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3993.56 N/A Employed No No