Exhibit 99.42
| Loan ID | Redaction 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? |
| XXXX | 710 | XXXX | XXXX | 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 | 113084.71 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | 709 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 19749 | 8.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41143.55 | Yes | Employed | No | No | ||||
| XXXX | 41 | XXXX | XXXX | 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 | 16916.5 | 9.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12512.67 | N/A | Employed | Employed | No | No | No | |
| XXXX | 103 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 3395 | 9.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32736.37 | Yes | Employed | No | No | ||||
| XXXX | 306 | XXXX | XXXX | 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 | 14778.36 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | 301 | XXXX | XXXX | 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 | 5372 | 8.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7057.48 | N/A | Employed | No | No | |||
| XXXX | 303 | XXXX | XXXX | 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 | Yes | Yes | 25025.52 | Yes | Employed | Not Employed | No | No | Yes | Present | ||||||
| XXXX | 144 | XXXX | XXXX | 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 | 4295 | 10.613 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12210.3 | Yes | Employed | No | No | |||
| XXXX | 302 | XXXX | XXXX | 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 | 8600 | 8.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6487.91 | N/A | Employed | No | No | |||
| XXXX | 300 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5720 | 8.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9640.4 | N/A | Employed | Not Employed | No | No | No | ||
| XXXX | 121 | XXXX | XXXX | 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 | 8195 | 10.32 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 10746.31 | N/A | Employed | No | No | |||
| XXXX | 156 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 60765.42 | Yes | Employed | Not Employed | No | No | Yes | Present | ||||||
| XXXX | 285 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9095 | 9.524 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 53637.73 | Yes | Employed | No | No | ||||
| XXXX | 305 | XXXX | XXXX | 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 | 98886.55 | Yes | Employed | No | Yes | Present | ||||||||
| XXXX | 307 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 3795 | 9.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8373.86 | N/A | Employed | No | No | ||||
| XXXX | 304 | XXXX | XXXX | 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 | 8367 | 9.354 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18972.94 | Yes | Employed | No | No | |||
| XXXX | 552 | XXXX | XXXX | 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 | 11795 | 8.235 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 20958.16 | Yes | Employed | No | No | |||
| XXXX | 579 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7955 | 7.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11395.9 | Yes | Employed | No | No | ||||
| XXXX | 569 | XXXX | XXXX | 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 | 100685.29 | Yes | Employed | No | Yes | Present | ||||||||
| XXXX | 544 | XXXX | XXXX | 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 | 6984.2 | 10.051 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6650.35 | Yes | Employed | No | No | |||
| XXXX | 543 | XXXX | XXXX | 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 | 8305 | 10.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12395.57 | Yes | Employed | No | No | |||
| XXXX | 535 | XXXX | XXXX | 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 | 6495 | 8.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5839.57 | Yes | Employed | Not Employed | No | No | No | |
| XXXX | 546 | XXXX | XXXX | 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 | 4523.75 | 8.369 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2513.79 | Yes | Employed | No | No | |||
| XXXX | 628 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 6495 | 8.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42302.91 | Yes | Employed | No | No | ||||
| XXXX | 626 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7120 | 7.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18620.49 | Yes | Employed | Employed | No | No | No | ||
| XXXX | 534 | XXXX | XXXX | 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 | 5067.59 | 8.958 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18799.37 | Yes | Employed | No | No | |||
| XXXX | 533 | XXXX | XXXX | 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 | 5182 | 9.338 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16847.84 | Yes | Employed | No | No | |||
| XXXX | 570 | XXXX | XXXX | 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 | 6790 | 8.437 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3652.59 | Yes | Employed | No | No | |||
| XXXX | 536 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 5862.95 | 9.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82549.6 | Yes | Employed | No | No | |||
| XXXX | 545 | XXXX | XXXX | 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 | 1495 | 9.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24710.68 | Yes | Employed | No | No | |||
| XXXX | 539 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2745 | 8.366 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 15991.49 | N/A | Employed | Employed | No | No | No | ||
| XXXX | 526 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 445 | 8.479 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25270.58 | N/A | Employed | No | No | ||||
| XXXX | 359 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 19908.02 | 8.396 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 16848.62 | Yes | Employed | Employed | No | No | No | ||
| XXXX | 360 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7132.5 | 8.819 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 52864.54 | Yes | Employed | No | No | ||||
| XXXX | 541 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 12451.25 | 8.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80498.96 | N/A | Employed | No | No | ||||
| XXXX | 537 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10861.02 | 9.395 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 82880.24 | Yes | Employed | No | No | ||||
| XXXX | 542 | XXXX | XXXX | 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 | 3122 | 12.182 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10971.19 | Yes | Employed | No | No | |||
| XXXX | 538 | XXXX | XXXX | 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 | 19668.25 | 8.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 119643.14 | N/A | Not Employed | Employed | No | No | No | |
| XXXX | 627 | XXXX | XXXX | 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 | 6995 | 8.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2669.99 | N/A | Employed | No | No | |||
| XXXX | 574 | XXXX | XXXX | 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 | 6370 | 9.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9836.41 | Yes | Employed | No | No | |||
| XXXX | 572 | XXXX | XXXX | 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 | 9545 | 10.265 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12705.7 | N/A | Employed | No | No | |||
| XXXX | 573 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 12245 | 8.828 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22887.33 | N/A | Employed | No | No | ||||
| XXXX | 629 | XXXX | XXXX | 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 | 7495 | 9.037 | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13710.65 | Yes | Employed | No | No | |||
| XXXX | 701 | XXXX | XXXX | 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 | 7445 | 9.902 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 18415.03 | Yes | Employed | No | No | |||
| XXXX | 613 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 445 | 7.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12152.78 | N/A | Employed | No | No | ||||
| XXXX | 700 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 11720 | 9.227 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60889.55 | N/A | Employed | No | No |