EXHIBIT 99.19

 

clarifii atr qm report

 

 

 

 

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?
846884 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
848612 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
849620 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
851429 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
851662 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
851681 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
851775 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
851930 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
852067 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
852089 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
852142 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
852275 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
852408 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
852455 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
853263 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
853563 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
853980 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
854084 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
854264 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
854470 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
854545 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
854738 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
854857 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
854923 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
854993 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
855009 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
855556 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
855654 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
855729 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
855799 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
856354 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
856636 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
856807 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     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         No   Yes Present
857156 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 18381 7.307 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14997.13 Yes Employed   No   No  
857174 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
857425 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
857434 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
857440 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 79840.69 Yes Employed   No   Yes Present
857499 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
857799 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
858046 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858055 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858160 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858358 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858515 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858556 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858558 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858730 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
858757 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858798 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858802 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858803 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
858821 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
858872 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 3475 8.518 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3915.49 N/A Employed   No   No  
858935 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859080 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
859138 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
859165 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859168 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859253 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859297 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859651 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
859656 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859710 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859762 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859766 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes Yes Yes Yes Yes N/A N/A 15072.36 N/A Employed   No   Yes Present
859782 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes N/A N/A N/A N/A N/A N/A         No No Yes Present
859784 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
859787 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 15120 8.194 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7724.43 Yes Employed Employed No No No  
859802 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859825 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 16764.48 N/A Employed   No   Yes Present
859933 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859936 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
859942 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859973 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860011 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860026 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860031 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A Yes Yes N/A N/A Yes N/A N/A         No   Yes Present
860033 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4390 8.095 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10259.24 Yes Not Employed Employed No No No  
860068 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860080 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860099 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860235 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860241 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860248 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860251 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860254 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860293 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860315 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860331 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860338 xxxxxx xxxxxx QM: Safe Harbor Verified (V SH) QM: Safe Harbor Verified (V SH) No   No No No No No No No No No No No 2310 6.954 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 103291.67 Yes Not Employed Employed No No No  
860371 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860381 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860431 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860498 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860510 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860511 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860519 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     Yes   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 7941.21 N/A Employed   No   Yes Present
860555 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860639 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860642 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1640 7.171 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7394.24 N/A Not Employed Not Employed No No No  
860647 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860649 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860660 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860665 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860670 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860672 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
860680 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860681 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
860685 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860689 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860696 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860697 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
860701 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860702 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860707 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860734 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2855.95 7.386 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 329542.42 N/A Employed   No   No  
860787 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860800 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2625 6.652 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 24683.32 N/A Employed   No   No  
860806 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860809 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860815 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
860822 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
860835 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
860847 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860849 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
860884 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860886 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860902 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860933 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
860939 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860996 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861009 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861087 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
861091 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861095 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861114 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861122 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861133 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861135 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861136 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861190 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861205 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861215 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861340 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 11825.4 6.803 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 13357.09 N/A Employed   No   No  
861371 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
861385 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861410 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861440 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
861448 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861454 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861455 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861504 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861593 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 18200.5 6.807 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 17509.32 N/A Employed   No   No  
861604 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861607 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861608 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 4705 8.041 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 24929.23 N/A Employed   No   No  
861624 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861648 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1640 6.4 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20498.17 N/A Employed Not Employed No No No  
861651 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861655 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861667 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861673 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861682 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861689 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
861698 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861704 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861705 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
861710 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
861713 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
861715 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
861736 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4999.02 7.537 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5044.37 Yes Employed   No   No  
861752 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861761 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861779 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861799 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861803 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2490 6.907 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 16820.65 Yes Employed   No   No  
861804 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861810 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1495 6.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32992.96 Yes Employed   No   No  
861817 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861818 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 11174.74 N/A Employed   No   Yes Present
861970 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2740 6.881 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32318.52 N/A Not Employed Not Employed No No No  
861989 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862030 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862044 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862045 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 0 6.72 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 19455.2 Yes Retired Retired No No No  
862075 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862079 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
862080 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1495 6.892 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35755.27 N/A Employed   No   No  
862089 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 20236 8.163 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5549.36 Yes Employed Employed No No No  
862107 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 5335.87 9.248 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5262.72 Yes Employed   No   No  
862126 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A 32539.29 Yes Employed   No   Yes Present
862144 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
862175 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862183 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862192 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 14874.29 8.78 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 71641.24 Yes Employed   No   No  
862195 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
862197 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862271 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
862285 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862290 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 23550 7.238 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A 17381.17 N/A Employed   No   No  
862328 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862342 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862494 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862510 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 32866.99 Yes Employed   No   Yes Present
862519 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 7533.88 8.421 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 18553.93 Yes Employed Not Employed No No No  
862521 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862526 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7625 7.155 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5879.65 Yes Employed   No   No  
862542 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No Yes No No No No Yes 38570 7.489 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24803.38 N/A Employed   No   No  
862552 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A 266100.24 Yes Employed   No   Yes Present
862559 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4559 6.795 Yes Yes No Yes Yes Yes N/A Yes Yes Yes 16707.94 Yes Employed   No   No  
862579 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 17769.48 N/A Employed   No   Yes Present
862615 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862640 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862643 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2495 7.091 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13722.11 Yes Employed   No   No  
862690 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7790 6.986 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8680.22 N/A Employed   No   No  
862694 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A Yes Yes Yes 269851 Yes Employed   No   Yes Present
862697 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 14980 7.714 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15158.43 N/A Employed Employed No No No  
862727 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2490 6.905 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 5327.56 N/A Employed   No   No  
862733 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 9680 7.738 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5984.24 Yes Employed Employed No No No  
862738 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 44647.57 6.503 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 86831.55 Yes Employed   No   No  
862741 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862753 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
862770 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 16881.25 7.54 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11483.12 Yes Employed Not Employed No No No  
862772 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862777 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 9286.72 7.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4544.77 N/A Employed   No   No  
862793 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt 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 18407 Yes Employed   No   Yes Present
862795 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 64587.5 7.813 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 53159.38 Yes Employed   No   No  
862796 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 14735 7.67 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17970.41 Yes Employed   No   No  
862797 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
862799 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 25635 6.887 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 50501.5 Yes Employed   No   No  
862803 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 35249 6.884 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47621.24 Yes Employed   No   No  
862811 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 34334.01 Yes Employed   No   Yes Present
862823 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 8075 7.496 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4536.52 N/A Employed   No   No  
862832 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 26289 6.509 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28528.35 Yes Employed   No   No  
862834 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21475 7.17 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32292.18 Yes Employed   No   No  
862838 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 17225 8.055 Yes No N/A Yes Yes Yes N/A Yes Yes Yes 18917.83 Yes Employed   No   No  
862840 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12612.5 6.579 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29301.35 Yes Employed   No   No  
862841 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 27552.5 6.988 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 98224.92 Yes Employed   No   No  
862847 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 10182.5 7.845 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9453.08 Yes Employed   No   No  
862852 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 19075 6.907 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24931.16 Yes Employed   No   No  
862860 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 37100 6.884 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 61532.88 Yes Employed   No   No  
862868 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 13691.58 Yes Employed   No   Yes Present
862873 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt 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 3774.97 Yes Employed   No   Yes Present
862874 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 15725 8.378 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13209.92 N/A Employed   No   No  
862876 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 7008.5 7.571 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6410.28 Yes Employed   No   No  
862877 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7340 7.414 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20464.55 Yes Employed   No   No  
862879 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 31875 6.859 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20587.08 Yes Employed Employed No No No  
862887 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20675 6.697 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 261124.12 N/A Employed   No   No  
862889 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 29100 8.134 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13798.19 Yes Employed Employed No No No  
862898 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 22715 9.34 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16881.04 Yes Employed   No   No  
862899 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1475 6.572 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16467.98 Yes Employed   No   No  
862904 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 186119.27 Yes Employed Not Employed No No Yes Present
862906 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1995 6.666 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 97071.55 Yes Employed   No   No  
862907 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1995 6.77 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12536.68 Yes Employed   No   No  
862955 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11490 7.788 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17745.53 Yes Employed   No   No  
862958 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 6213.95 7.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4779.4 N/A Employed   No   No  
862993 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 14265 7.163 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 11091.58 Yes Employed   No   No  
863007 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863012 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863051 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 5870 7.755 Yes Yes N/A Yes Yes Yes N/A Yes No Yes 27037.38 Yes Employed   No   No  
863077 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 32112.5 7.029 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 24859.8 Yes Employed   No   No  
863085 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
863089 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863092 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863093 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863094 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863101 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863104 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863113 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863119 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 30595 8.901 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 34542 N/A Employed   No   No  
863128 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863140 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863178 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
863179 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
863183 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3214 7.562 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5261.88 Yes Employed   No   No  
863185 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8090 6.897 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10986.03 N/A Employed   No   No  
863209 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9447.6 6.873 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7678.86 N/A Employed Employed No No No  
863213 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12137.5 7.407 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 17454.91 N/A Employed   No   No  
863214 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863224 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 23185 6.846 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12076.42 N/A Employed   No   No  
863236 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
863237 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1640 6.685 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 10288.01 N/A Employed   No   No  
863241 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 36830 8.121 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16257.8 Yes Employed Employed No No No  
863244 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1640 6.799 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5249.62 Yes Employed   No   No  
863271 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 17928 6.961 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 20500.56 N/A Employed   No   No  
863275 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1840 6.777 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 44622.39 Yes Not Employed   No   No  
863294 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A Yes N/A N/A N/A N/A N/A Yes N/A N/A 8444.32 N/A Employed   No   Yes Present
863295 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 24400 7.051 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14362.96 Yes Employed   No   No  
863299 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863302 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 11773.25 6.679 Yes Yes N/A No Yes Yes N/A N/A Yes Yes 4100.4 Yes Not Employed   No   No  
863309 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2315 6.939 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10582.97 N/A Employed   No   No  
863310 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 10379 7.161 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3896.11 N/A Employed   No   No  
863314 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 29495 6.909 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 126306.42 N/A Employed   No   No  
863320 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863334 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 1947.2 7.06 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19868.34 N/A Employed Employed No No No  
863345 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15265 7.978 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 25938.59 N/A Employed   No   No  
863424 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No Yes 6781.9 9.751 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5126.68 Yes Employed   No   No  
863476 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863491 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1990 7.955 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6724.98 Yes Employed   No   No  
863494 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2760 7.293 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10523.11 Yes Employed   No   No  
863553 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 11043.07 7.848 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4318.35 N/A Employed   No   No  
863576 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12753.5 7.023 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 26228.82 Yes Employed   No   No  
863577 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
863591 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 22891.9 Yes Employed   No   Yes Present
863598 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863640 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2190 6.685 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 18396.48 Yes Employed   No   No  
863647 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 25122.64 8.053 Yes Yes N/A Yes Yes N/A Yes Yes Yes Yes 8420.46 N/A Employed   No   No  
863649 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6697.5 7.124 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 11449.22 N/A Employed Employed No No No  
863663 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863670 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 21475 7.276 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18356.24 Yes Employed Not Employed No No No  
863691 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1495 7.324 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10427.3 N/A Employed   No   No  
863693 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9018.75 6.714 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 13638.97 Yes Employed   No   No  
863694 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 13087 7.885 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 38873.94 N/A Employed   No   No  
863699 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863704 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863719 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863727 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863755 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 1640 8.968 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5838.33 N/A Employed   No   No  
863805 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2090 6.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11060.49 Yes Employed Not Employed No No No  
863806 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 14840 8.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 154157.39 Yes Employed   No   No  
863826 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863853 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 5513.55 6.978 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7544.27 N/A Retired Employed No No No  
863860 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
863863 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8482.5 7.545 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4986.12 Yes Employed   No   No  
863864 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
863869 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2731 7.83 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 50622.36 Yes Employed Employed No No No  
863901 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2565 7.146 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17447.4 Yes Employed   No   No  
863905 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A Yes Yes N/A N/A N/A N/A N/A         No   Yes Present
863907 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2282.5 8.276 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2333.02 Yes Employed   No   No  
863915 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863930 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13600 6.766 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 36561.15 N/A Employed Not Employed No No No  
863932 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 2579 9.001 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34735.57 Yes Employed Employed No No No  
863947 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 12170 7.809 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5504.79 N/A Employed   No   No  
864005 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5780 6.957 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 40178.44 N/A Employed   No   No  
864006 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864010 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864024 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864034 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2450 6.888 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 74528.09 N/A Employed Not Employed No No No  
864043 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864056 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6858 7.872 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9037.6 Yes Employed   No   No  
864090 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1195 5.436 Yes Yes N/A Yes Yes Yes Yes Yes N/A N/A 15290.26 Yes Employed Employed No No No  
864100 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 20655 8.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19918.62 Yes Employed   No   No  
864116 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3065 7.295 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7327.56 Yes Employed   No   No  
864126 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 9364 8.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6375.35 Yes Employed   No   No  
864127 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864141 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1640 7.15 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15505.44 Yes Employed Employed No No No  
864151 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 5262.5 7.089 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4241.65 N/A Employed   No   No  
864166 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15799 7.026 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30157.16 N/A Employed   No   No  
864173 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 14029.5 6.767 Yes Yes N/A Yes Yes Yes Yes Yes N/A N/A 6262.06 Yes Employed   No   No  
864176 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864179 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864181 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7785 6.885 Yes Yes N/A Yes N/A Yes N/A Yes Yes Yes 6466.88 N/A Employed   No   No  
864182 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 7330 7.977 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16048.1 Yes Employed   No   No  
864183 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864184 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864185 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864186 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864193 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864195 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
864196 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864197 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864198 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9107.5 6.44 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 29664.02 N/A Employed Not Employed No No No  
864199 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864200 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 11965 6.786 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10993.75 N/A Employed   No   No  
864205 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 4595 8.102 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8332.52 N/A Employed   No   No  
864208 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
864209 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864210 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864214 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864218 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864219 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864220 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864222 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864223 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864224 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864226 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No No Yes Present
864231 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A Yes Yes N/A N/A N/A N/A N/A         No No Yes Present
864232 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864237 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 7320 8.587 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7902.9 N/A Employed Employed No No No  
864260 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A No N/A N/A N/A N/A N/A N/A 192669.78 Yes Employed Employed No No Yes Present
864266 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4970 7.6 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6871.67 Yes Employed   No   No  
864302 xxxxxx xxxxxx QM: Safe Harbor Verified (V SH) QM: Safe Harbor Verified (V SH) No   No No No No No No No No No No No 2132.48 6.81 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 22022.61 Yes Employed Not Employed No No No  
864305 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2715 6.98 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7610.67 Yes Employed   No   No  
864306 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13998.93 7.622 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17654.86 N/A Employed   No   No  
864309 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 32485 7.618 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 67617.61 N/A Employed   No   No  
864311 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2490 7.276 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22452.44 N/A Employed   No   No  
864312 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6469 7.128 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12493.92 N/A Employed Not Employed No No No  
864322 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6145 7.02 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6112.18 Yes Employed   No   No  
864330 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt 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 9776.96 N/A Employed   No   Yes Present
864350 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2256.3 6.78 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6729.21 Yes Employed   No   No  
864361 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4865 7.614 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18151.15 Yes Employed   No   No  
864362 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1905 7.311 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 4567.65 N/A Employed Employed No No No  
864379 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864386 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 26937.63 Yes Employed   No   Yes Present
864387 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2590 7.585 Yes Yes N/A Yes N/A Yes N/A N/A Yes N/A 9181.22 Yes Employed   No   No  
864399 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2565 7.1 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8393.15 N/A Employed   No   No  
864410 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4415.76 6.657 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18334.43 Yes Employed Employed No No No  
864424 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864428 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 29102.5 7.021 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 77886.95 Yes Employed Not Employed No No No  
864430 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 45829.38 N/A Employed   No   Yes Present
864441 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 100142.67 Yes Employed   No   Yes Present
864455 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt 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 27244.24 N/A Employed   No   Yes Present
864456 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8695 7.827 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 20891.34 Yes Employed   No   No  
864458 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10135 7.025 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10793.36 N/A Employed   No   No  
864459 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A Yes N/A N/A N/A N/A Yes Yes 83764.73 N/A Employed   No   Yes Present
864460 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6415 7.335 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3719.4 Yes Employed   No   No  
864462 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12615 6.964 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10345.7 N/A Employed   No   No  
864463 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6415 7.352 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4147.92 N/A Employed   No   No  
864464 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 11510 7.045 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10794.59 N/A Employed   No   No  
864465 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 8889 7.306 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7923.59 N/A Employed   No   No  
864466 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1495 7.577 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8725.71 N/A Employed   No   No  
864468 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1640 7.329 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 25945.36 N/A Employed   No   No  
864473 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 25243 7.213 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 17489.64 N/A Employed   No   No  
864475 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11490 7.743 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14337.15 Yes Employed   No   No  
864476 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes Yes N/A N/A N/A 60547.59 N/A Employed   No   Yes Present
864478 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 6050 7.553 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2600.62 N/A Employed   No   No  
864483 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 21450 7.942 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 104241.64 Yes Employed   No   No  
864485 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21086.5 7.184 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27616.5 N/A Employed   No   No  
864486 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 19595 7.81 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 17751.78 Yes Employed   No   No  
864488 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 14940 7.433 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8650.49 Yes Employed   No   No  
864489 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5350 7.613 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 11060.39 N/A Employed   No   No  
864491 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1250 7.056 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7338.25 Yes Employed   No   No  
864495 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 82372.03 N/A Employed   No   Yes Present
864497 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 0 6.878 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 141296.37 N/A Employed   No   No  
864501 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 24550 7.28 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27354.11 N/A Employed   No   No  
864502 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 10590 7.179 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4579.26 Yes Employed   No   No  
864548 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1640 7.292 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23892.39 N/A Employed Not Employed No No No  
864550 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 5375 7.413 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4579.35 Yes Employed   No   No  
864557 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 15950.59 7.933 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 117905.2 Yes Employed   No   No  
864559 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 22940 6.936 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12188.23 Yes Employed Employed No No No  
864561 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes N/A Yes N/A N/A Yes Yes 14423.83 N/A Employed   No   Yes Present
864562 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6550 7.215 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13517.67 Yes Employed   No   No  
864563 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2565 7.208 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13677.67 N/A Employed   No   No  
864568 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1690 8.177 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31568.79 Yes Employed Employed No No No  
864575 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1490 7.274 N/A Yes N/A Yes Yes Yes Yes Yes N/A N/A 12658.38 Yes Employed   No   No  
864577 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2296.36 8.162 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 2448.51 Yes Employed   No   No  
864597 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 11586.94 7.496 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 8047.9 Yes Employed   No   No  
864611 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6750 6.894 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7132.99 N/A Retired   No   No  
864616 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A N/A Yes N/A N/A N/A N/A N/A 182782.59 Yes Employed   No   Yes Present
864630 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9745 6.674 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 20604.87 Yes Employed Employed No No No  
864636 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 12405.55 10.023 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11641.49 Yes Employed   No   No  
864643 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10660 7.2 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 4722.48 Yes Retired   No   No  
864681 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 36720.09 N/A Employed   No   Yes Present
864692 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864701 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 20266.03 8.458 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 16939.69 Yes Employed   No   No  
864713 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 11563 7.11 Yes Yes N/A No Yes Yes N/A Yes Yes Yes 8721.03 N/A Employed   No   No  
864717 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864728 xxxxxx xxxxxx QM: Safe Harbor Verified (V SH) QM: Safe Harbor Verified (V SH) No   No Yes No No No No No No No No No 16175 7.427 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13209.43 Yes Employed Employed No No No  
864745 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7477.5 6.851 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A 3591.9 N/A Employed   No   No  
864775 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1640 6.779 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11403.87 N/A Employed Employed No No No  
864789 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
864794 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1780 6.803 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15670.54 N/A Employed   No   No  
864858 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6516.25 6.94 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5117.45 Yes Employed   No   No  
864860 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11105 7.446 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7446.34 N/A Employed   No   No  
864863 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1780 7.045 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14725.57 Yes Employed Employed No No No  
864865 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1150 8.126 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5877.83 Yes Employed   No   No  
864869 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 20090 7.94 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15869.17 N/A Employed   No   No  
864901 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 14800 6.903 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16107.3 N/A Employed   No   No  
864902 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 5693.02 N/A Employed   No   Yes Present
864911 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6734.72 6.789 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 32159.47 N/A Not Employed   No   No  
864913 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 18490 8.957 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 14997.16 Yes Employed   No   No  
864924 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 1640 6.89 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19383.04 N/A Not Employed Retired No No No  
864928 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10760.3 8.68 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 24927.92 N/A Employed   No   No  
864988 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9070 7.29 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 17142.41 N/A Employed   No   No  
865004 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 27968.75 7.138 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 21818.59 Yes Employed   No   No  
865005 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 18741.5 8.22 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5604.12 Yes Employed   No   No  
865009 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No Yes No No No No No 23875 9.24 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33276.45 N/A Employed   No   No  
865010 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7115 6.968 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4606.54 Yes Employed   No   No  
865011 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 25746.59 Yes Employed   No   Yes Present
865014 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20012.5 6.3 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34747.2 Yes Employed Employed No No No  
865023 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 7062.5 7.403 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4422.71 Yes Employed   No   No  
865026 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 9446.26 7.103 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9010.15 Yes Employed   No   No  
865027 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 73937.86 Yes Employed   No   Yes Present
865029 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1975 7.036 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19860.6 Yes Employed   No   No  
865030 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5731 7.163 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31078.53 Yes Employed   No   No  
865031 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A Yes N/A N/A 384951.18 Yes Employed   No   Yes Present
865034 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 23665 6.945 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18271.41 Yes Employed   No   No  
865035 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21875 7.189 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26797.1 Yes Employed Not Employed No No No  
865037 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 10310 7.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3843.56 Yes Employed   No   No  
865042 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 129719.44 Yes Employed   No   Yes Present
865044 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 50620 7.442 Yes Yes N/A No Yes Yes N/A Yes Yes Yes 52888.53 Yes Employed   No   No  
865051 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 15882.5 9.126 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13729.51 Yes Employed   No   No  
865052 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 12475 6.668 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4700.84 Yes Employed   No   No  
865053 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7215 7.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4200.78 Yes Employed   No   No  
865056 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6475 6.074 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12187.86 Yes Employed Employed No No No  
865060 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3120 6.75 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6029.59 Yes Employed   No   No  
865062 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 7525 6.758 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17146.73 Yes Employed   No   No  
865063 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt 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 11699.96 Yes Employed Not Employed No No Yes Present
865066 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10355 6.445 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 13085.65 Yes Employed   No   No  
865068 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A Yes Yes Yes N/A N/A N/A N/A 186537.01 Yes Employed   No   Yes Present
865074 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 4000 6.466 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14085.31 Yes Employed   No   No  
865076 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 72378.86 Yes Employed Employed No No Yes Present
865078 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 27725 6.777 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 108632.38 Yes Employed Not Employed No No No  
865079 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 36620 7.089 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 123518.43 Yes Employed   No   No  
865081 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 14412.5 8.787 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 23900.1 Yes Employed   No   No  
865086 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 25213 6.494 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15061.64 Yes Employed   No   No  
865088 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 14975 6.678 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14229.8 Yes Employed   No   No  
865089 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 16075 6.852 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12931.82 Yes Employed   No   No  
865096 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8642.27 6.565 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30755.4 Yes Employed   No   No  
865097 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A Yes Yes 18315.97 Yes Employed   No   Yes Present
865101 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 17225 7.666 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18015.45 Yes Employed   No   No  
865103 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 35254.19 Yes Employed   No   Yes Present
865105 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1475 6.313 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 48275.37 Yes Employed   No   No  
865107 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 18492 6.642 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22328.13 N/A Employed   No   No  
865108 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5785 6.849 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13168.16 Yes Employed Employed No No No  
865113 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 6274.52 7.098 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4237.93 Yes Employed   No   No  
865114 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 27770 6.515 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30018.43 Yes Employed   No   No  
865117 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8225 7.244 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28553.2 N/A Employed   No   No  
865118 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8874 7.117 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 845838.21 Yes Employed   No   No  
865120 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 23770 7.582 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19340.53 Yes Employed   No   No  
865121 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20935 7.491 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14638.25 Yes Employed   No   No  
865123 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13848.24 6.83 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35475.57 Yes Employed   No   No  
865125 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 12585 6.937 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31254.96 Yes Not Employed Employed No No No  
865127 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20812.99 8.663 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 54717.74 Yes Employed   No   No  
865128 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 10653.13 7.481 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5209.52 Yes Employed   No   No  
865131 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21689 6.701 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34368.53 Yes Retired   No   No  
865133 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 19925 6.436 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 77925.3 Yes Employed Employed No No No  
865135 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8866.33 7.541 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13691.42 Yes Employed   No   No  
865137 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13431.25 7.092 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12177.7 Yes Employed Not Employed No No No  
865138 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 5505 7.586 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7725.37 Yes Employed   No   No  
865139 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1475 6.444 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4667.5 Yes Employed Employed No No No  
865141 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 36175 7.468 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39598.27 Yes Employed Employed No No No  
865143 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 40675 7.543 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31574.63 Yes Employed   No   No  
865144 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21928.13 7.261 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 46249.19 Yes Employed   No   No  
865146 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 16094.78 8.404 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3887.65 Yes Employed   No   No  
865147 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 9335 6.776 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4269.89 Yes Retired Not Employed No No No  
865148 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12107.5 6.923 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16843.5 Yes Employed   No   No  
865149 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 19643.78 6.821 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 51901.81 Yes Employed Employed No No No  
865151 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 22509 6.902 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25424.27 Yes Employed   No   No  
865152 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 16171.04 7.465 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14228.57 Yes Employed   No   No  
865158 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 12505 7.571 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6814.71 N/A Employed Employed No No No  
865160 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1670 6.663 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19043.3 Yes Not Employed Employed No No No  
865165 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 15900.55 8.746 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 21196.51 N/A Employed   No   No  
865184 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     Yes   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 14543.58 Yes Employed   No   Yes Present
865194 xxxxxx xxxxxx QM: Safe Harbor Verified (V SH) QM: Safe Harbor Verified (V SH) No   No No No No No No No No No No No 11985.5 7.68 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14885.1 N/A Employed   No   No  
865197 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 3582.5 8.315 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37707.78 N/A Employed Employed No No No  
865207 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7915 6.883 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19944.75 Yes Retired   No   No  
865210 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 15243.78 Yes Employed   No   Yes Present
865243 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2450 6.684 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 165078.21 Yes Employed   No   No  
865245 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20065.05 7.559 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32053.64 N/A Employed   No   No  
865250 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6940 7.508 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3740.87 Yes Employed   No   No  
865251 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2865 6.834 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11540.45 N/A Employed   No   No  
865261 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9380 6.817 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 7145.84 N/A Employed   No   No  
865263 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4085 7.037 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3814.35 N/A Employed   No   No  
865264 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4030 7.516 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15315.95 N/A Employed   No   No  
865265 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4785 6.725 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4072.65 N/A Employed   No   No  
865279 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4030 6.859 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6688.01 N/A Employed   No   No  
865289 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 10667.5 6.654 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12278.25 N/A Employed   No   No  
865294 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15646 6.749 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 26619.69 Yes Employed Employed No No No  
865296 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 11375 7.109 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11414.43 Yes Employed   No   No  
865318 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2565 7.081 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12559.27 N/A Employed   No   No  
865319 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3730.95 7.11 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8534.54 Yes Employed   No   No  
865320 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 14258.38 6.753 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 54165.39 Yes Employed Not Employed No No No  
865324 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 21180 6.997 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 26909.63 N/A Employed   No   No  
865327 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 16785 6.918 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5923.39 Yes Employed Employed No No No  
865333 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 25215.55 N/A Employed   No   Yes Present
865339 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2090 6.528 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25635.24 Yes Employed   No   No  
865340 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1450 6.892 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23256.77 Yes Employed   No   No  
865342 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1640 6.791 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15002.15 Yes Employed   No   No  
865345 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4606 7.297 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2714.94 N/A Employed   No   No  
865346 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9605 7.194 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15784.56 Yes Employed   No   No  
865347 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 15049.86 6.869 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18831.15 Yes Employed Employed No No No  
865372 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7170 7.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6204.94 N/A Employed   No   No  
865380 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 15700 7.384 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6871.63 Yes Not Employed   No   No  
865389 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2580 9.148 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 57870.17 Yes Employed   No   No  
865585 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 19083.75 7.283 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22962.9 N/A Employed   No   No  
865587 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 3090.15 7.327 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3155.07 N/A Employed   No   No  
865589 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 7602.85 N/A Employed   No   Yes Present
865593 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2390 6.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30575.6 N/A Employed Employed No No No  
865595 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 10745 7.863 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15166.7 Yes Not Employed Not Employed No No No  
865597 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes No No No No No No No No No 2450 8.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39953.88 Yes Employed   No   No  
865602 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 23975 7.236 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11644.41 Yes Employed Not Employed No No No  
865603 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7450 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22890.2 Yes Employed   No   No  
865604 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11200 6.788 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10232.41 Yes Employed   No   No  
865605 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7907.5 7.078 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6194.02 N/A Employed   No   No  
865606 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9450 6.942 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8798.13 N/A Employed   No   No  
865607 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 18146 6.976 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9127.81 Yes Employed   No   No  
865608 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12997.5 6.815 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10361.93 N/A Employed   No   No  
865623 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 19495 6.971 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9630.57 N/A Employed   No   No  
865624 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes N/A Yes N/A N/A N/A N/A 40826.57 N/A Employed   No   Yes Present
865625 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865626 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 12736 7.422 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18298.25 Yes Employed   No   No  
865629 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 32980 7.083 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 103302.77 Yes Employed   No   No  
865634 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 10077.25 7.702 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 77806.47 Yes Employed Employed No No No  
865635 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13469 7.39 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 68186.43 Yes Employed   No   No  
865639 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865640 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 7330 9.252 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 38223.65 N/A Employed   No   No  
865641 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 24400 7.546 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16081.13 N/A Employed   No   No  
865642 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865645 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 21045 6.552 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21982.13 N/A Employed Employed No No No  
865646 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 19065.6 6.372 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34173.97 N/A Employed   No   No  
865651 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6179 7.59 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 34283.77 N/A Employed   No   No  
865653 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 16952.5 8.036 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11406.49 N/A Employed   No   No  
865655 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 42045 6.801 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 45287.13 N/A Employed Not Employed No No No  
865662 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 28595 6.749 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17345.14 Yes Employed   No   No  
865663 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11252.5 6.646 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22391.28 Yes Employed Not Employed No No No  
865665 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 18377.5 8.603 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6477.51 Yes Employed   No   No  
865670 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1640 6.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26034.82 Yes Employed   No   No  
865674 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1640 6.94 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12583.1 N/A Employed   No   No  
865686 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 16996.95 8.581 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7251.34 Yes Employed   No   No  
865693 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1640 7.347 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 27129.92 Yes Employed   No   No  
865708 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10695 6.727 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7539.01 N/A Employed   No   No  
865715 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 24950 7.169 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14977.2 N/A Not Employed   No   No  
865738 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 18684.69 Yes Employed Employed No No Yes Present
865778 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865785 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20745 8.144 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16416.54 Yes Employed   No   No  
865786 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7200 6.84 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 13344.28 N/A Employed   No   No  
865825 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 36392.5 7.031 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15378.5 Yes Employed Employed No No No  
865829 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865903 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8890 7.047 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6877.35 Yes Employed   No   No  
865905 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
865908 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2565 7.148 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12710.39 N/A Employed   No   No  
865913 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15443 7.232 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8317.39 Yes Employed   No   No  
865946 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865972 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865977 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 16205.44 N/A Employed   No   Yes Present
865986 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865997 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2565 7.151 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10665.75 Yes Employed   No   No  
866007 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1570 7.399 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17686.69 Yes Employed   No   No  
866016 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No Yes No No No No Yes 13600 7.831 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5596.82 N/A Employed   No   No  
866019 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2900 6.958 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3577.29 Yes Employed   No   No  
866020 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13815 7.406 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 42046.67 N/A Employed   No   No  
866022 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 30850 7.14 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17232.29 N/A Employed   No   No  
866029 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15284.95 7.631 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 24889.7 Yes Employed   No   No  
866037 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 13565 7.136 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17034.85 Yes Employed   No   No  
866038 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 45050 7.312 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 36476.99 N/A Employed   No   No  
866039 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2445 6.943 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 17890.58 Yes Employed   No   No  
866055 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2420 7.108 Yes Yes No Yes Yes Yes N/A Yes Yes N/A 7743.22 Yes Employed   No   No  
866056 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 8595 7.794 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 6617.07 N/A Employed   No   No  
866072 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9306 7.219 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 34831.22 N/A Employed   No   No  
866076 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 8540.64 8.185 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 6850.83 Yes Employed   No   No  
866151 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 24972.9 6.807 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 7601.27 Yes Employed   No   No  
866184 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
866212 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8890.95 7.765 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 78807.32 N/A Employed   No   No  
866250 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes 16465.5 N/A Employed   No   Yes Present
866262 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 4745 8.414 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3357.25 Yes Employed   No   No  
866267 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
866336 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2365 7.347 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8877.26 Yes Employed Employed No No No  
866372 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13539 7.685 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 36384.8 N/A Employed   No   No  
866425 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12770 7.382 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19616.78 Yes Employed   No   No  
866439 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2370 7.046 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29286.44 Yes Employed   No   No  
866517 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2365 7.287 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11499.54 N/A Employed   No   No  
866534 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1950 7.302 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29615.82 N/A Employed   No   No  
866535 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8285 7.548 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28484.02 Yes Employed   No   No  
866536 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6650 7.017 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7115.81 Yes Employed   No   No  
866537 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7915.94 7.218 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4420.03 Yes Employed   No   No  
866538 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8574 6.646 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 14722.79 Yes Employed   No   No  
866539 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2260 7.018 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4561.93 N/A Employed   No   No  
866540 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 69669.64 Yes Not Employed Employed No No Yes Present
866542 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 5066 6.806 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6824.7 N/A Employed   No   No  
866544 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13450 6.789 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12868.01 N/A Employed   No   No  
866547 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15395 7.107 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 14487.1 Yes Employed   No   No  
866548 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt 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 15228.74 N/A Employed   No   Yes Present
866551 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2445 7.121 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16366 N/A Employed   No   No  
866552 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2200 7.2 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25417.93 Yes Employed   No   No  
866553 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 7375 7.903 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4945.01 Yes Employed   No   No  
866556 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15370 7.196 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 15697.28 Yes Employed   No   No  
866558 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2825 7.222 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 2998.52 Yes Employed   No   No  
866561 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 3750 7.09 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9482.9 Yes Employed   No   No  
866635 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 26325 7.267 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21246.49 Yes Employed   No   No  
866694 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 32570 7.444 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28904.61 Yes Employed   No   No  
866996 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9127.75 6.989 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 74372.47 Yes Not Employed Employed No No No  
2000011421 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011435 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011441 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011454 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011456 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011457 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011459 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011475 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011502 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011508 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011516 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011520 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011533 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011534 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011565 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011566 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011572 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011580 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011582 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011605 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011606 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011624 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4603.09 8.331 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2212.25 N/A Retired Employed No No No  
2000011659 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011676 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011705 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011706 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011707 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011764 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011783 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011799 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2000011822 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011826 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
2000011832 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011833 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000011840 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000011864 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No No Yes Present
2000011873 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 4648.53 8.107 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3013.1 Yes Retired Retired No No No  
2000011885 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000011908 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 6579 8.373 Yes Yes N/A Yes N/A Yes N/A Yes Yes Yes 12776.35 Yes Retired   No   No  
2000011912 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000011921 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000011925 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2000011967 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2623.34 8.391 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 1835.94 Yes Retired Retired No No No  
2000012022 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 9837.25 7.827 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4125.47 Yes Employed   No   No  
2000012028 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 13923.8 7.371 Yes Yes N/A Yes Yes No N/A Yes Yes Yes 5809.69 Yes Employed Employed No No No  
2000012029 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7338.03 7.362 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13324.65 Yes Employed   No   No  
2000012042 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1206.1 8.142 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3286.44 N/A Retired Retired No No No  
2000012059 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2575.5 9.274 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6977.15 Yes Employed Employed No No No  
2000012066 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 75329 7.237 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 38756.09 Yes Employed   No   No  
2000012067 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000012072 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 34550 7.457 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28353.75 Yes Employed   No   No  
2000012075 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4575 7.714 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 18065.18 N/A Employed   No   No  
2000012077 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2616.36 8.588 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10886.8 Yes Employed   No   No  
2000012079 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000012094 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 6861.6 9.368 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 8987.77 Yes Employed Employed No No No  
2000012108 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2750 7.324 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12148.67 N/A Employed   No   No  
2000012116 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2975.88 7.762 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29788.08 Yes Employed Employed No No No  
2000012117 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4017.5 6.825 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14182.49 Yes Employed   No   No  
2000012119 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9290 7.393 Yes Yes N/A No Yes Yes N/A Yes Yes Yes 7750.47 Yes Employed   No   No  
2000012120 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 26030 7.193 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14356.11 N/A Employed   No   No  
2000012127 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3569.67 8.352 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4908.84 Yes Employed   No   No  
2000012128 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12254 7.048 Yes Yes N/A No Yes Yes N/A Yes Yes Yes 19301.54 Yes Employed   No   No  
2000012129 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 2277.2 9.942 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 2885.02 Yes Retired   No   No  
2000012138 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1690 7.335 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3422.1 Yes Not Employed   No   No  
2000012142 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 5870 8.011 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30713.26 N/A Employed   No   No  
2000012148 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2588 8.183 N/A Yes N/A No Yes Yes N/A Yes Yes Yes 11540.02 Yes Employed Employed No No No  
2000012152 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2771.4 8.374 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6293.27 Yes Retired Retired No No No  
2000012153 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 44834.38 7.169 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31767.74 N/A Employed   No   No  
2000012157 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 2455 7.307 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 6721.63 N/A Employed   No   No  
2000012162 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3532.58 9.371 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7451.63 Yes Employed   No   No  
2000012166 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 14260 7.211 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13860.82 Yes Employed   No   No  
2000012173 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 3769.68 8.768 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6559.24 Yes Employed Employed No No No  
2000012176 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 35750 7.303 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30262.73 Yes Employed   No   No  
2000012183 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes Yes Yes N/A Yes N/A N/A 28269.93 N/A Employed   No   Yes Present
2000012186 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2600 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16598.93 N/A Employed   No   No  
2000012187 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2845 7.42 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16865.57 N/A Employed   No   No  
2000012192 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 7228 7.21 Yes Yes N/A Yes Yes Yes N/A N/A Yes N/A 5870.44 N/A Employed   No   No  
2000012194 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 15860 6.447 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 69595.27 Yes Employed Employed No No No  
2000012196 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000012209 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 45023.83 N/A Employed   No   Yes Present
2000012211 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 20050 6.771 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 43153.22 N/A Employed   No   No  
2000012224 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 3300.89 9.99 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7354.47 Yes Retired Employed No No No  
2000012230 xxxxxx xxxxxx QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 2314.86 10.328 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2187.86 Yes Retired   No   No  
2000012231 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2960 7.574 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20680.64 Yes Employed   No   No  
2000012234 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 8281.2 8.081 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14735.69 Yes Employed   No   No  
2000012235 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 3144.4 9.137 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 2472.48 N/A Retired   No   No  
2000012244 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No Yes Yes Present
2000012246 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A N/A N/A N/A N/A N/A N/A N/A 47065.57 Yes Not Employed Employed No No Yes Present
2000012255 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2325 7.726 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26777.48 Yes Employed   No   No  
2000012261 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 15682.5 9.222 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12223.8 N/A Employed Employed No No No  
2000012263 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No Yes 44872.5 8.831 Yes N/A N/A Yes Yes Yes N/A Yes Yes N/A 15328.52 Yes Employed   No   No  
2000012265 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000012276 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 5903 7.009 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8547.58 Yes Employed Employed No No No  
2000012280 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000012281 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 6018.75 12.104 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13498.95 Yes Employed   No   No  
2000012287 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000012299 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13280 7.247 Yes Yes No Yes Yes Yes N/A Yes Yes N/A 7607.39 Yes Employed   No   No  
2000012306 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 16231.25 7.473 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 12655.76 N/A Employed   No   No  
2000012307 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2655 6.775 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 24853.39 N/A Employed   No   No  
2000012328 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000012330 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000012332 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2000012338 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 10550 7.082 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9560.14 Yes Employed   No   No  
2000012353 xxxxxx xxxxxx QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2545 6.942 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 26774.24 Yes Employed   No   No  
2000012355 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000012358 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 13005 7.91 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26346.27 Yes Employed   No   No  
2000012371 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000012374 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000012400 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
2000012402 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No Yes No No No No Yes 11895 9.318 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 23638.02 N/A Employed Not Employed No No No  
2000012441 xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt 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         Yes   Yes Present
2000012475 xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 7092.75 9.392 N/A Yes N/A Yes Yes Yes N/A Yes Yes Yes 9338.71 Yes Employed   No   No