EXHIBIT 99.13

 

Canopy ATR QM REPORT

 

 

 

 

Loan ID Investor Loan ID Seller 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 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?
846143   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
851004   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
851889   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2792.06 6.835 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60861.34 Yes Employed   No   No  
852284   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
852643   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
852653   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
852793   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853113   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 87046.63 N/A Employed Employed No No Yes Present
853220   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853344   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853414   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
853454   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853476   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853512   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853537   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853655   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853890   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
853971   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 9841.9 6.916 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6603.13 N/A Employed   No   No  
854208   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
854736   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
854866   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes Yes Yes Present
854943   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855090   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855160   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855187   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855225   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855395   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855396   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
855419   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855467   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855617   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855783   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0 N/A     No   Yes Present
855787   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
855801   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes   Yes Present
855834   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes Yes Yes Present
856107   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes   Yes Present
856108   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes   Yes Present
856146   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
856233   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
856334   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
856336   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
856564   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
856600   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
856607   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 5258 7.462 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7492 Yes Employed Unknown No No No  
856617   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 -2231.05       No   Yes Present
856643   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No Yes 8225.64 7.916 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 2907.23 N/A Employed   No   No  
856752   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes   Yes Present
856780   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes Yes Yes Present
856788   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
856796   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 12841.25 7.155 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 22319.16 N/A Employed   No   No  
856817   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1495 7.466 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 5308.11 N/A Employed   No   No  
856861   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
856982   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes   Yes Present
857160   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 5946.41 7.472 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 3164 N/A Employed   No   No  
857180   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857184   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857193   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857199   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857214   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857347   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857358   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857394   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857408   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857486   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857494   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 7214.64 7.04 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 2500.02 N/A Employed   No   No  
857585   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857749   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857773   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
857872   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes   Yes Present
857884   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857885   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857893   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
857933   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 14108.8 7.352 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4753.85 Yes Employed   No   No  
858009   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858025   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858027   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858036   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858050   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
858051   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 16129.48 N/A Employed   No   Yes Present
858091   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858106   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858157   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858220   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No Yes 14647.72 8.13 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 7024.57 N/A Employed   No   No  
858232   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858242   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
858246   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
858293   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858365   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858581   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
858641   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858643   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858644   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
858661   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858667   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858680   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858687   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858748   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858760   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858784   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 14185.29 7.457 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42923.33 Yes Employed   No   No  
858786   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 423 8.23 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 4698.22 Yes Retired   No   No  
858835   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858845   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858865   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858886   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858890   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858918   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
858928   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
858961   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859036   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
859049   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859076   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
859094   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859132   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859135   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859147   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859151   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
859229   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859243   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859256   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859258   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859268   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 13946.9 6.799 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3120.55 N/A Employed   No   No  
859271   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
859307   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859309   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859314   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859451   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 4860.96 7.189 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9215.71 Yes Employed   No   No  
859467   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859607   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859623   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859631   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859635   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859636   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859648   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
859677   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859694   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 17249.05 8.055 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 85014.75 Yes Employed   No   No  
859721   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 4028.88 7.274 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7422.97 Yes Employed   No   No  
859728   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859755   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859758   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859763   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859815   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859822   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No No 2289.74 10.208 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 7445.44 N/A Employed   No   No  
859835   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 8905.41 7.301 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21314.17 Yes Employed Employed No No No  
859838   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
859847   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859852   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859865   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No 15233.64 8.152 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26911.06 Yes Employed   No   No  
859944   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859948   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
859952   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859965   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
859987   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860007   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 6795 8.704 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 13278.44 N/A Employed Employed No No No  
860042   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860047   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860049   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860064   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860076   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 3614.06 7.035 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5507.51 Yes Retired   No   No  
860127   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860130   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 14460.72 7.412 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7622.51 N/A Employed   No   No  
860139   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 Yes 217941.01 N/A Employed   No   Yes Present
860143   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860151   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860162   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 83617.64 N/A Employed   No   Yes Present
860233   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860236   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860243   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860249   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860265   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860289   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860295   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860305   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860321   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2363.42 7.535 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9330.94 N/A Employed Employed No No No  
860322   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860329   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860340   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860346   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860356   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860379   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860382   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860386   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860390   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860397   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860411   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860414   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860440   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 -10901       No No Yes Present
860464   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860467   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 3425.91 7.281 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16785.09 N/A Employed   No   No  
860477   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860478   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860484   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860504   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860525   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 1550 7.842 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 7316 Yes Employed Employed No No No  
860527   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 8183 7.16 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10893.58 N/A Employed   No   No  
860560   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860567   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860615   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860620   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860638   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860650   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860654   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860730   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860732   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860737   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860768   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860771   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2275.35 9.555 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 15494.54 N/A Employed   No   No  
860783   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 -3081       No   Yes Present
860817   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860820   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860838   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860854   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860867   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860875   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860894   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860918   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860954   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
860972   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860978   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860982   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 -5599       No   Yes Present
860985   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860988   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860989   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860992   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
860994   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A Yes N/A N/A N/A N/A N/A 0       No   Yes Present
861082   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 13091.78 7.596 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11037.64 N/A Employed   No   No  
861090   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No Yes 5666 7.888 N/A Yes N/A Yes Yes Yes N/A Yes Yes Yes 3924.43 Yes Employed   No   No  
861098   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861141   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861156   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861163   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861169   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861175   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861179   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861194   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861201   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861210   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861226   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861235   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861255   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861266   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861267   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861301   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1790 6.919 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25852.37 Yes Not Employed   No   No  
861307   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861309   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861310   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861331   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861348   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861392   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861401   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861405   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861409   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861417   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861425   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861431   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861436   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861439   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1889.24 7.434 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8215.81 Yes Retired   No   No  
861444   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861469   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861475   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861479   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861486   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861494   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861495   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861499   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861569   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861576   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861580   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 12167.14 N/A Employed Retired No No Yes Present
861585   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 1796.35 6.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7936.16 Yes Employed   No   No  
861595   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861614   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861615   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861631   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861660   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861718   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861724   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861734   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861746   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861750   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 4353.72 N/A Employed   No   Yes Present
861767   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861785   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861787   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861788   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861790   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
861793   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861795   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861797   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 3279 9.042 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 14036.02 N/A Employed   No   No  
861822   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861825   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
861985   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 15337.53 6.65 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 55172.17 Yes Employed   No   No  
861996   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A Yes N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
861999   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862012   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 5333.52 N/A Retired Not Employed No No Yes Present
862015   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862071   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No No 1976.43 10.055 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 17906.9 N/A Employed   No   No  
862082   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 15444 6.981 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 53533.35 N/A Employed   No   No  
862098   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862116   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1392.7 7.796 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 18957.36 N/A Employed   No   No  
862120   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 6229.13 7.088 Yes N/A N/A Yes Yes Yes N/A Yes Yes N/A 2837.25 N/A Retired Retired No No No  
862190   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862219   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862233   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 10495.94 8.299 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 44644.73 N/A Employed   No   No  
862243   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
862336   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
862487   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1595 6.771 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 21507.93 N/A Employed   No   No  
862491   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 21183 7.905 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 56028 Yes Employed   No   No  
862504   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
862507   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862513   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862515   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862516   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862522   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862523   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862524   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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 21280.37 N/A Employed Employed No No Yes Present
862535   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862536   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862546   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862549   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
862560   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862569   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
862612   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862648   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No Yes 11685 8.521 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3509.35 N/A Employed Employed No No No  
862655   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No Yes 19054.68 7.531 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 22176.89 N/A Employed   No   No  
862659   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862678   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0 N/A     No   Yes Present
862679   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 9312.5 6.775 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 18466.07 N/A Employed   No   No  
862681   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 44268.05 N/A Employed   No   Yes Present
862686   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
862692   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 7337.4 7.776 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 29897.06 N/A Employed   No   No  
862693   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862695   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
862724   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 1790 7.46 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 10271.11 N/A Employed   No   No  
862726   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 3132.95 9.166 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 155067.89 N/A Employed   No   No  
862918   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 9132.5 8.286 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 24329.8 Yes Employed   No   No  
862922   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 5040 8.735 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 10953.82 N/A Employed   No   No  
862980   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
862991   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863016   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863026   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 23236.84 6.888 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27486.3 Yes Employed   No   No  
863035   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863036   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 14510 7.017 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7414.06 Yes Employed   No   No  
863132   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863145   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 5624.79 7.574 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 9999.29 N/A Employed Employed No No No  
863150   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2090 6.662 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 692586.99 Yes Employed   No   No  
863159   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2300 8.096 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 9276.6 N/A Employed Employed No No No  
863167   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863254   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 13157.5 7.314 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 72102.22 N/A Employed   No   No  
863278   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863289   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 14860 7.524 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 13776.72 N/A Not Employed   No   No  
863296   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 34862.2 7.193 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 212102.63 N/A Employed   No   No  
863307   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863311   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863313   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 60520.63 N/A Employed   No   Yes Present
863316   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 Yes N/A 136401.14 N/A Employed   No   Yes Present
863327   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 2918.52 N/A Employed   No   Yes Present
863354   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863355   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2225 7.561 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17839.41 N/A Employed   No   No  
863366   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863369   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 6862.23 8.896 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 6097.93 N/A Employed   No   No  
863381   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863383   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No No 16470.1 8.06 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12260.45 N/A Employed Employed No No No  
863391   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No Yes 36715 8.021 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 88839.47 N/A Employed   No   No  
863414   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No 1528.45 7.772 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9017.84 N/A Employed   No   No  
863418   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 9698.39 6.897 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3611.34 Yes Employed   No   No  
863429   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 Yes N/A 67052.53 N/A Employed   No   Yes Present
863431   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1395 7.292 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9209.93 Yes Employed   No   No  
863439   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No Yes 19760 9.783 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 98529.74 Yes Employed   No   No  
863467   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 11622.47 N/A Employed   No   Yes Present
863471   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1720 7.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12930.8 Yes Not Employed   No   No  
863483   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes Yes Yes No No No No No No No No 4635 8.832 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22011.77 Yes Employed Not Employed No No No  
863492   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 5750 7.077 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 79171.71 Yes Employed   No   No  
863495   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863498   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
863502   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 15415 7.125 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 30356.39 N/A Employed Employed No No No  
863505   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863512   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863538   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
863539   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863540   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863569   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 0 6.633 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6515.89 Yes Employed Employed No No No  
863579   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No 9449.4 8.109 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26731.66 Yes Employed   No   No  
863622   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863638   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No 16999 7.919 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9722.66 Yes Employed   No   No  
863667   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2375 6.904 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 15313.07 N/A Employed   No   No  
863674   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 12315 7.023 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10413.7 N/A Employed   No   No  
863677   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No Yes 19624.84 8.178 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6970.56 N/A Employed Not Employed No No No  
863714   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863730   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863751   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 6041.88 9.088 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 11356.37 Yes Employed   No   No  
863765   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1850 7.585 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 107002.14 N/A Employed   No   No  
863823   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 19295 7.751 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5575.33 N/A Retired Retired No No No  
863834   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863857   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863862   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No No 5827.36 8.107 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3653.94 N/A Employed Employed No No No  
863894   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 Yes N/A 84047.74 N/A Employed   No   Yes Present
863898   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 3902.7 7.818 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 3701.7 N/A Employed Employed No No No  
863904   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1550 9.112 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 28777.71 N/A Employed   No   No  
863918   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 26285.47 N/A Employed   No   Yes Present
863979   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863981   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863982   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
863996   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 7204 7.585 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 30995.11 N/A Employed Employed No No No  
864000   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
864014   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No No 9181.75 9.087 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12776.48 N/A Not Employed Employed No No No  
864029   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
864044   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 16709.97 N/A Employed Employed No No Yes Present
864047   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864052   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 6153.54 N/A Employed   No   Yes Present
864062   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864064   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 16064.4 N/A Employed   No   Yes Present
864086   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes Yes Yes No No No No No No No No 5234.43 10.569 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 11530.42 Yes Employed Employed No No No  
864094   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864097   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 12095.56 6.622 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 32305.19 N/A Employed Employed No No No  
864106   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864114   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864146   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2540 7.401 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16058.3 Yes Employed   No   No  
864156   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 12524.65 N/A Employed Employed No No Yes Present
864163   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 18918.11 N/A Employed   No   Yes Present
864250   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2680 9.645 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 5812.12 N/A Employed   No   No  
864258   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 3661.88 8.955 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 6952.26 N/A Employed   No   No  
864268   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No No 2375 8.066 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9294.76 N/A Employed   No   No  
864277   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       Yes Yes N/A Yes N/A N/A N/A Yes Yes N/A 84447.32 N/A Employed   No   Yes Present
864281   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1795 7.598 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19893.06 N/A Employed Not Employed No No No  
864288   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864289   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2290 7.169 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 79752.42 Yes Not Employed Not Employed No No No  
864292   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 11110.17 N/A Employed   No   Yes Present
864323   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864351   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864360   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864363   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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 16913.89 N/A Employed Employed No No Yes Present
864392   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864405   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 10050 7.057 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24284.29 Yes Employed   No   No  
864440   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No 11644.03 8.037 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 200418.62 Yes Employed Employed No No No  
864442   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 21894.98 7.301 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 24130.65 N/A Employed   No   No  
864447   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 11967.46 N/A Employed   No   Yes Present
864504   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 148214.46 N/A Not Employed   No   Yes Present
864506   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 7035.02 N/A Not Employed   No   Yes Present
864509   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 5205 7.705 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6590.48 N/A Employed Employed No No No  
864511   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 -1106.12       No   Yes Present
864516   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864558   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
864564   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No 13795 7.66 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1225836.47 Yes Employed   No   No  
864588   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 3822.5 7.47 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 82995.45 Yes Employed Not Employed No No No  
864603   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2798.8 8.536 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13088.22 Yes Employed Retired No No No  
864608   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864649   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 28114.38 7.578 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12256.02 N/A Employed   No   No  
864658   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2199.56 7.602 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 14791.36 N/A Employed   No   No  
864660   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864663   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 14945 N/A Employed   No   Yes Present
864688   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864705   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 23060 7.251 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 64954.19 N/A Employed Employed No No No  
864706   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
864708   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 27370 7.028 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 218641.13 N/A Employed   No   No  
864723   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 6252.5 7.349 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21638.05 Yes Unknown Unknown No No No  
864783   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 3756 9.065 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 4394.18 N/A Employed   No   No  
864785   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 21785 6.743 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 32952.97 N/A Employed   No   No  
864786   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2375 6.895 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23706.33 Yes Employed   No   No  
864793   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 7877 7.356 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7346.91 Yes Employed   No   No  
864805   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 8546.5 7.609 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35081.19 Yes Employed   No   No  
864809   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 1948 7.199 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3544.78 Yes Employed   No No No  
864812   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864814   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864815   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 100850.13 N/A Employed Not Employed No No Yes Present
864817   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 15016 7.056 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8364.73 Yes Employed   No   No  
864818   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864819   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A 89523.41 N/A Employed   No   Yes Present
864820   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No No 7417.75 9.168 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10744.83 N/A Employed   No   No  
864821   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864822   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 8185 6.943 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 39660.48 N/A Employed   No   No  
864823   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 6655 6.853 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23378.47 Yes Employed   No   No  
864824   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 46618.74 N/A Employed   No   Yes Present
864825   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 11968.26 N/A Employed   No   Yes Present
864827   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No Yes 7615 7.552 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9775.93 Yes Employed   No   No  
864828   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 11490 6.417 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7488.54 N/A Employed Employed No No No  
864829   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 13892.21 7.136 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15222.4 Yes Employed Employed No No No  
864830   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 9040 6.675 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4143.36 Yes Employed   No   No  
864831   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864834   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 11942.57 6.411 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21577.81 Yes Employed   No   No  
864835   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
864836   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No No 13078.75 7.713 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16812.52 N/A Employed   No   No  
864837   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 40753.76 N/A Employed   No   Yes Present
864838   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 7795 6.644 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15714.75 Yes Employed   No   No  
864839   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No Yes 7768.08 8.704 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6121.56 N/A Employed Not Employed No No No  
864843   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864844   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 5356.96 N/A Employed   No   Yes Present
864845   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 9595 6.94 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18404.99 Yes Employed Employed No No No  
864846   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No 14966.87 7.901 Yes Yes No Yes Yes Yes N/A Yes Yes N/A 35316.97 N/A Employed   No   No  
864847   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 24768.44 7.79 Yes Yes N/A Yes Yes Yes N/A Yes N/A Yes 55956.87 Yes Employed   No   No  
864848   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 20615.29 N/A Employed   No   Yes Present
864851   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 62518.67 N/A Employed   No   Yes Present
864852   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 62472.66 N/A Employed   No   Yes Present
864856   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 24500 6.394 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8634.66 Yes Employed   No   No  
864857   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
864867   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 6895 7.408 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19930.75 N/A Employed   No   No  
864876   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 39538 7.368 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 20945.36 N/A Employed   No   No  
864884   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
864905   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2953.92 8.87 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 2652.48 N/A Employed   No   No  
864917   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2375 6.939 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 15602.97 N/A Employed Not Employed No No No  
864984   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No No 9425 8.201 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4185.71 Yes Employed   No   No  
864987   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 16780 7.199 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 13510.52 N/A Employed   No   No  
865161   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 23520 7.004 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 615243.6 N/A Employed   No   No  
865164   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 4468.5 8.356 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 11964.16 N/A Employed Retired No No No  
865166   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 32397.87 N/A Employed   No   Yes Present
865175   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 19880 7.402 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14216.18 Yes Employed   No   No  
865177   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1500 7.414 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 62885.11 N/A Employed Employed No No No  
865182   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 7231.92 7.087 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5936.24 Yes Employed   No   No  
865193   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No Yes 14398.3 8.955 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3834.45 Yes Employed   No   No  
865239   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No No 6460 8.206 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4081.32 N/A Employed   No   No  
865255   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2570 6.821 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8631.79 N/A Employed   No   No  
865256   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A 14578.14 N/A Employed   No   Yes Present
865272   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 6523.76 N/A Employed   No   Yes Present
865291   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
865312   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1825 7.601 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9729.03 N/A Employed   No   No  
865334   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2720 6.674 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11805.58 N/A Employed   No   No  
865359   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1905 7.29 Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A 7825.27 N/A Employed   No   No  
865362   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 373232.5 N/A Employed Employed No No Yes Present
865382   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
865673   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 5540 7.229 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10322.39 Yes Employed Not Employed No No No  
865680   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No Yes 5398.64 9.314 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 13251.13 N/A Employed   No   No  
865689   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
865690   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2171.44 9.057 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 5862.28 Yes Employed   No   No  
865692   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 1790 7.937 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 9770.74 N/A Employed   No   No  
865762   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
865771   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
865773   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
865776   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
865833   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 10147.5 9.196 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 4824.43 N/A Employed   No   No  
865834   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 3240 8.971 Yes Yes N/A Yes Yes Yes N/A Yes N/A Yes 13423.88 N/A Employed   No   No  
865835   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes 7689.9 9.454 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 6463.61 Yes Employed   No   No  
865836   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 8390 7.684 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4899.84 N/A Employed   No   No  
865837   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 9741.25 7.211 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6191.39 Yes Employed   No   No  
865838   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No Yes 9170 7.602 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3004.6 N/A Employed   No   No  
865839   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 4615 7.427 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11461.02 N/A Employed   No   No  
865845   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0   Unknown   No   Yes Present
865874   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 5927.5 7.405 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14205.61 Yes Employed Employed No No No  
865888   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 17401.1 N/A Employed Retired No No Yes Present
865940   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2394.24 7.431 Yes Yes Yes Yes Yes Yes N/A Yes Yes N/A 18852.48 N/A Employed Employed No No No  
865955   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 13755 7.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9567.66 Yes Employed   No   No  
865974   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2720 7.043 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 50235.32 N/A Employed   No   No  
865987   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 10815 7.754 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20006.8 Yes Employed   No   No  
866009   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   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 10858.08 N/A Employed   No   Yes Present
866203   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2325 7.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10510.15 N/A Employed Not Employed No No No  
866214   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 6665 8.082 Yes Yes Yes Yes Yes Yes N/A Yes Yes N/A 39711.69 N/A Employed   No   No  
866220   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes Yes Yes No No No No No No No No 15333.76 9.06 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10032.13 N/A Employed Employed No No No  
866222   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
866247   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 1790 7.056 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34741.66 Yes Employed Employed No No No  
866295   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 19507.5 7.691 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 22485.05 N/A Employed   No   No  
866380   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 16997.96 6.93 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 8501.92 N/A Employed Employed No No No  
866417   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 12615 6.95 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 25845.9 N/A Employed   No   No  
866419   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2570 7.292 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19234.58 N/A Employed   No   No  
866444   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 5005 8.123 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 13614.02 N/A Employed   No   No  
866445   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 9539.25 8.639 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 58826.59 N/A Employed   No   No  
866446   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 18646.94 N/A Employed   No   Yes Present
866448   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No Yes 16171 8.146 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5586.16 Yes Employed Employed No No No  
866449   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No Yes 9280 8.067 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4142.87 Yes Employed Employed No No No  
866451   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 14655 6.867 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16477.61 N/A Employed   No   No  
866452   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No Yes 7165 8.297 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 2314.53 N/A Employed   No   No  
866456   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 13719.69 7.562 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6562.41 Yes Employed   No   No  
866514   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 13425 8.582 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 105290.97 N/A Employed   No   No  
866518   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 72083.48 N/A Employed   No   Yes Present
866655   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 29587.68 N/A Employed   No   Yes Present
866979   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
867029   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes 28995 7.281 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 30553.05 N/A Employed   No   No  
867456   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 2214 7.095 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 46748.06 Yes Employed   No   No  
867457   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No Yes No No No No No 2369 7.19 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 14642.54 N/A Employed   No   No  
867460   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 7409 6.758 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8112.32 Yes Employed Employed No No No  
867856   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No 2720 7.185 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19989.98 N/A Employed   No   No  
868180   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No 14185 7.517 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 141508.84 N/A Employed   No   No