EXHIBIT 99.27

 

selene atr qm detail

 

 

 

 

Loan ID Seller Loan ID Investor Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM 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?
857050 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9300.04 Yes Employed   No   No  
857415 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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   N/A     No   Yes Present
857432 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
857679 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3423.56 Yes Employed Not Employed No No No  
858128 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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   N/A     No   Yes Present
858360 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
858919 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859133 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859260 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
859308 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
860171 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Not Tested     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3457.29 Yes Employed Not Employed No No No  
860183 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7643.08 Yes Employed   No   No  
860476 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
860971 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
860976 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861034 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7163.99 Yes Employed   No   No  
861047 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 93983.41 Yes Employed   No   No  
861052 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861053 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
861055 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
861056 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861057 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
861059 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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
861060 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861061 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861062 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861063 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861064 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861065 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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
861066 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt Yes N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
861067 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861219 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861382 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861586 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
861730 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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
861796 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11165.92 Yes Employed   No   No  
862003 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
862118 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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
862206 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
862312 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 56620.54 Yes Employed   No   No  
862320 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4862.85 Yes Employed   No   No  
862345 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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   N/A     No   Yes Present
862469 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9013.1 Yes Employed   No   No  
862711 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
862714 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
862910 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5887.75 Yes Employed Not Employed No No No  
862934 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
862974 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes 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
863010 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 38594.5 Yes Employed Employed No No No  
863408 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
863516 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4794.75 Yes Employed   No   No  
863519 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No Yes No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13519.76 Yes Employed   No   No  
863520 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3812.37 Yes Employed   No   No  
863522 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8316.8 Yes Employed Not Employed No No No  
863524 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8558.62 Yes Not Employed   No   No  
863526 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2371.3 No Employed   No   No  
863532 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5959.68 Yes Employed   No   No  
863533 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4794.41 Yes Employed   No   No  
863535 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12144.04 Yes Employed   No   No  
863659 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 301388.69 N/A Employed   No   Yes Present
863709 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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
863752 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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
863759 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5921.58 Yes Employed   No   No  
863767 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 57491.76 N/A Employed   No   Yes Present
863769 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7452.99 Yes Employed   No   No  
863778 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes 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
863817 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes 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
863821 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
863824 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10434.07 Yes Employed   No   No  
863878 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863883 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863912 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16073.4 Yes Employed   No   No  
863952 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 87819.49 Yes Employed   No   No  
863953 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26286.78 Yes Employed   No   No  
863959 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
863960 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863962 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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   N/A     No   Yes Present
863963 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
863964 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863965 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
863966 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
863967 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
863968 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
863973 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No No Yes Present
863974 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864050 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864059 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10979.41 Yes Employed Not Employed No No No  
864108 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37538.62 Yes Employed   No   No  
864129 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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   N/A     No   Yes Present
864171 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864249 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864275 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5757.33 Yes Employed   No   No  
864376 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 101383.09 Yes Employed Employed No No No  
864415 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 73104.44 Yes Employed Not Employed No No No  
864418 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes 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
864419 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21389.98 Yes Employed   No   No  
864434 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18393.52 Yes Not Employed Not Employed No No No  
864461 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864493 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
864510 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19725.44 Yes Employed   No   No  
864518 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32333.95 Yes Employed   No   No  
864519 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7560.73 Yes Employed   No   No  
864520 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3719.48 Yes Employed   No   No  
864521 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2663.04 Yes Employed   No   No  
864522 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22175.39 Yes Employed   No   No  
864523 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8726.33 Yes Employed Not Employed No No No  
864524 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8222.32 Yes Employed   No   No  
864526 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19311.12 Yes Employed   No   No  
864528 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11638.62 Yes Employed Not Employed No No No  
864530 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3297.21 Yes Employed   No   No  
864531 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13935.06 Yes Employed Employed No No No  
864532 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12082.36 Yes Employed   No   No  
864533 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6575.04 Yes Employed   No   No  
864534 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4586.8 Yes Employed   No   No  
864535 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17011.64 Yes Employed Not Employed No No No  
864619 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11275.49 Yes Employed   No   No  
864627 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 411972.93 Yes Employed   No   No  
864659 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 81386.85 Yes Employed   No   No  
864695 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29452.54 Yes Employed   No   No  
864700 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 46358.73 Yes Employed Not Employed No No No  
864707 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15975.51 Yes Employed   No   No  
864739 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7093.61 Yes Employed Not Employed No No No  
865229 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25268.99 Yes Employed   No   No  
865230 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 36736.82 Yes Employed   No   No  
865231 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19984.58 Yes Employed   No   No  
865232 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4947.3 Yes Employed   No   No  
865233 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17240.5 Yes Employed Not Employed No No No  
865234 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5757.25 Yes Employed Employed No No No  
865236 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11148.99 Yes Employed   No   No  
865238 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3304.91 Yes Employed   No   No  
865293 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 109133.33 Yes Employed Not Employed No No No  
865300 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41361 Yes Not Employed Employed No No No  
865304 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865321 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
865365 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
865702 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No Yes No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24478.98 Yes Employed   No   No  
865730 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6712.59 Yes Employed   No   No  
865995 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   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 87571.31 N/A Employed   No No Yes Present
866075 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13512.42 Yes Employed   No   No  
866158 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4601.96 Yes Employed   No   No  
866242 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3408.31 Yes Employed Retired No No No  
866245 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33589.08 Yes Employed   No   No  
866246 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12126.28 Yes Employed   No   No  
866305 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 107868.69 Yes Employed   No   No  
866472 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4088.35 Yes Employed Employed No No No  
866479 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32865 Yes Employed   No   No  
866483 xxxxxx   xxxxxx ATR/QM: Exempt ATR/QM: Exempt No N/A   No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 6912.73 N/A Employed   No   Yes Present
866486 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4562.02 Yes Employed Employed No No No  
866487 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4729.52 Yes Employed   No   No  
866488 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4192.61 Yes Employed Employed No No No  
866490 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes Yes Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7226.58 Yes Employed   No   No  
866492 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2167.76 Yes Employed   No   No  
866494 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5667.86 Yes Employed Employed No No No  
866498 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No No No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7628.29 Yes Employed   No   No  
866501 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status Yes Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5729.58 Yes Employed   No   No  
866503 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes Yes No No No No No No No Yes     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2403.96 Yes Employed   No   No  
866505 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No No Yes No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12242.01 Yes Employed   No   No  
866669 xxxxxx   xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Client Affirms Non-QM Status No Yes No No No No No No No No No     Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3911.65 Yes Employed   No   No