ALT ID
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 DTI/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?
409055268
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors  
Non-QM: Lender documented all ATR UW factors  
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
No
Yes
Yes
N/A
Yes
No
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055243
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055292
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055244
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055245
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055213
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXXX
Yes
Employed
Employed
No
No
Yes
Present
409055298
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Not Employed
  
No
  
No
  
409055214
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055215
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055248
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055217
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055249
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055278
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Not Employed
No
No
No
  
409055210
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Yes
Yes
$XXXXXX
Yes
Retired
Retired
No
No
Yes
Present
409055250
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
Yes
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
No
Yes
$XXXXXX
Yes
Employed
Retired
No
No
No
  
409055218
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
Yes
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055270
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Appendix Q Documentation 
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055251
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Not Employed
No
No
No
  
409055252
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Not Employed
No
No
No
  
409055226
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055253
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055279
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
  
No
  
No
  
409055241
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXXX
Yes
Employed
  
No
  
Yes
Present
409055242
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055254
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055255
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055280
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
  
No
  
No
  
409055227
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055257
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055293
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055219
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055220
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
N/A
Employed
  
No
  
No
  
409055271
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055211
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055300
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055277
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXXX
Yes
Not Employed
Not Employed
No
No
Yes
N/A
409055258
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055259
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXXX
Yes
Employed
Employed
No
No
Yes
Present
409055282
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
  
No
  
No
  
409055283
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
Retired
No
No
No
  
409055260
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055237
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055261
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055229
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXXX
N/A
Employed
  
No
  
Yes
N/A
409055262
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055238
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055294
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055230
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
N/A
Yes
$XXXXXX
N/A
Employed
  
No
  
No
  
409055236
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055264
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
N/A
Employed
Not Employed
No
No
No
  
409055286
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055223
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
      
No
  
409055232
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXXX
N/A
Not Employed
Employed
No
No
Yes
Present
409055224
XXXXXXXX
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$XXXXXX
N/A
Employed
  
No
  
Yes
Present
409055267
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055272
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055225
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055233
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055265
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055273
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
Yes
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055240
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055295
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
  
No
  
No
  
409055269
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055296
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055246
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055247
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Not Employed
No
No
No
  
409055297
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
Not Employed
No
No
No
  
409055287
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Retired
No
No
No
  
409055256
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
N/A
Employed
Not Employed
No
No
No
  
409055288
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
No
Yes
$XXXXXX
Yes
Not Employed
  
No
  
No
  
409055276
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
Retired
No
No
No
  
409055281
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
Not Employed
No
No
No
  
409055284
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Retired
Employed
No
No
No
  
409055285
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Not Employed
Not Employed
No
No
No
  
409055231
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Employed
No
No
No
  
409055266
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
  
No
  
No
  
409055239
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
N/A
Employed
  
No
  
No
  
409055234
XXXXXXXX
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
Yes
No
No
No
No
Not Tested
0
XX.XX%
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$XXXXXX
Yes
Employed
Not Employed
No
No
No