EXHIBIT 99.28

 

cANOPY atr qm rEPORT

 

 

 

Loan ID Investor Loan ID Seller Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
318783 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Not Tested Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
334492 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No No Yes Present
723600 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
998568 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
989358 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
479533 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed   No   Yes Present
894642 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx       No   Yes Present
223525 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
921239 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No Yes No No No No No No No Yes xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
398479 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes Yes Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A xxx N/A Employed   No   No  
938915 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
944580 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
811219 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
134120 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
724468 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No  
890492 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
765895 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
807193 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
511979 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
285890 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
529902 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No  
747219 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed   No   No  
879677 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No  
671223 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx Yes Employed Employed No No No  
592902 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
736964 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
792565 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
948441 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
179278 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No  
417275 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
482870 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
685637 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
441820 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Retired No No No  
125573 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
720376 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
836212 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
928010 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
873666 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes N/A Yes xxx N/A Employed   No   No  
594962 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
790722 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Not Employed No No No  
293513 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
304520 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
390320 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
941093 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
242270 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
173002 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Retired No No No  
318532 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
200609 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Retired No No No  
193132 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No  
656238 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed Employed No No No  
396709 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No No Yes Present
320092 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
125128 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed   No   No  
180010 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
645380 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
149745 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Unknown Employed No No Yes Present
162868 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
144306 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
731233 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A xxx N/A Employed   No   No  
146966 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
270007 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
586709 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
683435 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
950268 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
706983 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
855199 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
908502 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
364246 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
147445 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed   No   Yes Present
466063 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
659853 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
991116 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
542937 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
336699 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
740871 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx N/A Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
846399 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
674741 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
990783 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
668044 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
867703 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
551679 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
866702 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No   Yes Present
570578 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
512281 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
690754 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No  
486172 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
207942 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
611300 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx Yes Employed   No   Yes Present
345360 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed   No   No  
202931 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes Yes Yes No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
618982 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No Yes No No No Not Tested xxx xxx N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Not Employed Not Employed No No No Present
464616 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx       No No Yes Present
873309 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
588950 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
757155 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
421908 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx Yes Employed   No   Yes Present
779199 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
843395 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
418542 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
779683 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed   No   No  
364291 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
399606 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
496923 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
565391 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Employed No No No  
342849 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
436801 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
929381 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
771399 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No Yes No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired   No   No  
950150 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
857625 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
445071 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx Yes Employed   No   Yes Present
970624 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Retired No No No  
733273 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Retired No No No  
442609 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
856859 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     Yes   No No Yes Yes No No No       Yes Yes N/A Yes N/A N/A N/A N/A Yes N/A xxx N/A Employed   No   Yes Present
284216 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Employed No No No  
211603 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
548278 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
212398 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
872793 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
913860 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Employed No No No  
143519 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Employed No No No  
370488 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
875576 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
662568 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
738281 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present
895221 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
433485 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
126471 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No Yes No No No Yes No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
689826 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No Yes xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed Employed No No No  
969588 xxx   xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation No No No No No No No No No No No xxx xxx Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
334923 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No No Yes No No No       Yes Yes N/A Yes N/A N/A N/A Yes Yes N/A xxx N/A Employed Employed No No Yes Present
414842 xxx   xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A xxx N/A Employed   No   Yes Present