| Incenter Loan ID |
Client 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? |
| XXX |
79 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
80 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
Yes |
N/A |
| XXX |
81 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
N/A |
N/A |
|
N/A |
Employed |
|
No |
|
Yes |
N/A |
| XXX |
82 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
Yes |
N/A |
| XXX |
83 |
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
84 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
85 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
86 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
N/A |
Yes |
N/A |
N/A |
Yes |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
87 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
N/A |
Yes |
Yes |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
88 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
89 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
90 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
91 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
Not Employed |
No |
No |
No |
|
| XXX |
92 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
N/A |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
93 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
No |
Yes |
Missing |
| XXX |
94 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
14597.85 |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
95 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
N/A |
Yes |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
96 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
97 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
98 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
Yes |
No |
No |
No |
No |
No |
No |
No |
Yes |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
99 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
No |
No |
No |
No |
No |
No |
Yes |
No |
No |
No |
Yes |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
100 |
XXX |
XXX |
XXX |
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 |
No |
Yes |
Present |
| XXX |
101 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
N/A |
Yes |
N/A |
N/A |
|
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
102 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
12004.73 |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
103 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
104 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
Yes |
Yes |
N/A |
N/A |
Yes |
N/A |
N/A |
|
|
|
|
No |
No |
Yes |
Present |
| XXX |
105 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
No |
Yes |
No |
No |
No |
No |
Yes |
No |
No |
No |
Yes |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
N/A |
N/A |
4068.05 |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
106 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
107 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
N/A |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
108 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
Yes |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
109 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
Yes |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
110 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
111 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
No |
Yes |
Present |
| XXX |
112 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
113 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
114 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
115 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
116 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
10502.71 |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
117 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
118 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
Yes |
Yes |
N/A |
N/A |
Yes |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
119 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
120 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
N/A |
Yes |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
121 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
Yes |
Yes |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
122 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
Yes |
No |
|
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
123 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
124 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
N/A |
N/A |
22538.05 |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
125 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
126 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
3736.48 |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
127 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
No |
Yes |
Present |
| XXX |
128 |
XXX |
XXX |
XXX |
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 |
| XXX |
129 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
Not Employed |
No |
No |
No |
|
| XXX |
130 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
N/A |
Yes |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
131 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
132 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
Yes |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
133 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
134 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
9502.91 |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
135 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
136 |
XXX |
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 |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
137 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
138 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
|
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
139 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
8621.71 |
Yes |
Retired |
|
No |
|
No |
|
| XXX |
140 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
141 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
142 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
143 |
XXX |
XXX |
XXX |
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 |
|
|
|
|
No |
No |
Yes |
Present |
| XXX |
144 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
N/A |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
10322.02 |
Yes |
Not Employed |
|
No |
|
No |
|
| XXX |
145 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
Yes |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
146 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
Yes |
Present |
| XXX |
147 |
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
|
N/A |
Employed |
|
No |
|
No |
|
| XXX |
148 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
Yes |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
149 |
XXX |
XXX |
XXX |
ATR/QM: Exempt |
ATR/QM: Exempt |
No |
|
|
No |
|
No |
No |
No |
Yes |
No |
No |
No |
|
|
|
Yes |
N/A |
N/A |
Yes |
Yes |
N/A |
N/A |
N/A |
N/A |
N/A |
|
|
|
|
No |
|
Yes |
Present |
| XXX |
150 |
XXX |
XXX |
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
No |
No |
No |
No |
No |
Yes |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
N/A |
67691.7 |
Yes |
Employed |
|
No |
|
No |
|
