Exhibit 99.02 Schedule 6

 

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?
6000080462 xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Fail No Yes No No No No No No Yes 16522.5 8.419 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A N/A Employed No No
4000114341 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 0 No No Yes Present
4000121653 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 13955.06 6.534 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000122271 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 7229 6.515 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000122196 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 3245 6.634 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000122190 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 9355 6.523 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000122194 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 9212.5 6.316 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000123206 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 0 No Yes Present
4000122200 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 2963.88 6.596 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000122327 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 18775 6.418 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000122602 xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No No No No No Yes No No No Yes N/A N/A N/A N/A Yes N/A N/A N/A N/A xxx N/A Employed No Yes Present
4000122604 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 2720 7.843 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000123957 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 2720 7.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000122614 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 2375 6.929 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000124371 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 2720 7.881 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000122817 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 14279 7.416 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000124849 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 7200 6.692 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000124596 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 1450 7.42 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126566 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 19820 7.931 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed No No
4000126569 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 0 No Yes Present
4000125787 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 11665 7.031 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126547 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 0 No No Yes Present
4000124886 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 2445 7.137 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000127317 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
4000127416 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 Yes N/A N/A N/A N/A xxx N/A Employed No Yes Present
4000126550 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 5812.5 6.815 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126586 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 0 N/A No Yes Present
4000127716 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 4062.5 7.572 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000127822 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 14385 6.302 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000124171 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 0 No Yes Present
4000127836 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 0 No Yes Present
4000127649 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 14490 6.86 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126587 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 7202.5 7.161 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000125792 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 10850 6.286 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126573 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 0 No Yes Present
4000126628 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 3244 6.642 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000127690 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
4000126588 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 44888.75 6.636 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed No No
4000126580 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 0 N/A No Yes Present
4000126622 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 10270 6.81 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed No No
4000122889 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 5508.85 7.466 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No
4000125721 xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No Yes 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 Not Employed Employed No No Yes Present
4000129396 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
4000126212 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 0 No Yes Present
4000126623 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
4000127992 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 40168.75 6.753 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000127917 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 2245 7.215 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126632 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 16150 6.917 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128491 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 41791.2 6.248 Yes Yes Yes Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000127779 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 9070 6.327 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129745 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 0 No Yes Present
4000126759 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 1740 7.807 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed No No
4000125558 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 0 No Yes Present
4000127657 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 15175 7.23 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000121157 xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 No No Yes Present
4000127650 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 10045 7.042 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed No No
4000129638 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
4000127339 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 2070 6.48 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Unknown No No No
4000126752 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 2070 6.572 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No
4000128026 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 11315.63 6.574 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000125933 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 22951.25 6.218 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129110 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 5290 6.328 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000127172 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 0 No Yes Present
4000127502 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 0 N/A No Yes Present
4000126561 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 5375 6.794 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129109 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 9383.25 6.278 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No
4000123226 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 0 No Yes Present
4000128015 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 20075 6.894 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130307 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 16159.38 6.45 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130814 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 2170 6.164 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Not Employed No No
4000131836 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 17000 6.96 Yes Yes N/A Yes Yes Yes N/A Yes N/A Yes xxx N/A Employed No No
4000127901 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 3519.13 6.983 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130855 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
4000127343 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 12405 7.19 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126846 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 0 No Yes Present
4000129667 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 2750 7.019 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128094 xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No No No No No Yes No No No N/A N/A Yes N/A N/A N/A N/A N/A N/A N/A 0 No Yes Present
4000126070 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 0 N/A No No Yes Present
4000131398 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 0 No No Yes Present
4000128572 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 5850 6.823 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000127902 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 10250 7.816 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131402 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 7637.5 6.574 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131823 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
4000126118 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 1770 7.038 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000127505 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 0 No Yes Present
4000130693 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 2066 6.686 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000125332 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 6639.86 7.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130623 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 0 No Yes Present
4000127942 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 2450 7.086 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128623 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 0 No Yes Present
4000131034 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 6741.45 7.052 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128566 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 8200 7.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000127954 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 11900 6.941 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129324 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 0 No Yes Present
4000130664 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 31295 7.13 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130003 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 2645 6.682 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126692 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 3365.75 6.331 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed No No
4000129687 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 4825 6.761 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129678 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 0 No No Yes Present
4000131376 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 3950 6.962 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128093 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 0 No Yes Present
4000131653 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 0 No Yes Present
4000132699 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 2375 6.676 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129690 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 2450 7.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132701 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 11060 7.868 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128010 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 7450 7.18 Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131448 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 11575 7.044 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130048 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 9730 6.994 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130616 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 0 No Yes Present
4000131062 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 10356.26 6.674 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128775 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 0 No Yes Present
4000126979 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 0 No No Yes Present
4000129648 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 0 No Yes Present
4000130050 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 0 No No Yes Present
4000127952 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 0 No Yes Present
4000131248 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 2720 6.703 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130335 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 0 No No Yes Present
4000127075 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 0 No No Yes Present
4000131582 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 0 No Yes Present
4000131041 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 11275 7.824 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129639 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 39220 6.54 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000132385 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 0 No Yes Present
4000128629 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 4725 7.226 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130045 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 18381.25 6.724 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128586 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 7610 6.891 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130040 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 11950 6.686 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128570 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
4000131589 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
4000128833 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 0 No No Yes Present
4000127537 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 2070 6.493 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126258 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 0 No Yes Present
4000127759 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 0 No Yes Present
4000127727 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 2987 6.359 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131579 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 0 No Yes Present
4000128363 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 0 No Yes Present
4000131637 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 0 No No Yes Present
4000131805 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 7868 6.748 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000127925 xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 xxx N/A Employed No Yes Present
4000131702 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 0 No No Yes Present
4000131268 xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes Yes No No No No No No No No No 2720 7.889 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128112 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 2070 6.697 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000129643 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 0 No Yes Present
4000131634 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 0 No No Yes Present
4000130217 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 0 No Yes Present
4000126570 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 0 No No Yes Present
4000129218 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 Yes N/A xxx N/A Employed Not Employed No No Yes Present
4000132373 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 0 No Yes Present
4000126336 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 0 No Yes Present
4000133119 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 2720 6.955 Yes Yes Yes Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133126 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 0 No Yes Present
4000131947 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 0 No No Yes Present
4000131162 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 0 No Yes Present
4000131258 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 4345 7.083 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126936 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 1770 6.445 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Retired No No No
4000129352 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
4000129665 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 2450 7.355 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed No No
4000130062 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 2075 7.415 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000128017 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
4000131946 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 7520 8.011 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130586 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 0 No No Yes Present
4000128089 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 10882.28 6.058 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Employed No No No
4000131768 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 0 No Yes Present
4000130422 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 0 No Yes Present
4000128794 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 1640 6.886 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Unknown No No No
4000132376 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 0 N/A No Yes Present
4000132381 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 0 No Yes Present
4000132403 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 0 No Yes Present
4000132732 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 0 No Yes Present
4000132287 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 12595 7.218 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129142 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 0 No Yes Present
4000127927 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 9240 6.631 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132400 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 Yes N/A N/A N/A N/A 0 No Yes Present
4000124124 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 0 No Yes Present
4000124127 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 0 N/A No Yes Present
4000126988 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 0 N/A No No Yes Present
4000132514 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 7653 6.469 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed No No
4000128877 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 2720 7.803 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128552 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 1915 7.18 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 0 N/A Unknown No No
4000124125 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 0 No Yes Present
4000127521 xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A Yes N/A xxx N/A Employed Employed No No Yes Present
4000130670 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 0 No No Yes Present
4000130832 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 2720 6.593 Yes Yes N/A Yes N/A Yes N/A Yes N/A N/A xxx N/A Employed No No
4000131430 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 2450 7.127 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128277 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 2070 6.95 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Employed No No No
4000132700 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 6970 6.489 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000126646 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 1990 6.394 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Not Employed Not Employed No No No
4000131740 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 0 No Yes Present
4000133492 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 0 No Yes Present
4000131600 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 0 No No Yes Present
4000131031 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 8205 6.566 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129633 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 2020 6.351 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No
4000130425 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 2070 6.653 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000129471 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 1745 6.961 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Unknown Unknown No No No
4000130128 xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No No No No No No No No No No 1575 7.795 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131396 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 0 No No Yes Present
4000128127 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 0 No Yes Present
4000133724 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 13000 6.977 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131153 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 19850 6.544 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131406 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 0 No Yes Present
4000133808 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 0 No Yes Present
4000130120 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 0 No Yes Present
4000133784 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 0 No Yes Present
4000133769 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 2650 6.961 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131392 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 5012.5 6.807 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128014 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 9445 6.605 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131385 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 9750 6.585 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131881 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 0 No Yes Present
4000129180 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 0 No Yes Present
4000131266 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 0 No Yes Present
4000129630 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 0 No Yes Present
4000132095 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
4000131640 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 0 No No Yes Present
4000130966 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 0 No Yes Present
4000132353 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 7820 6.912 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132652 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 6750 8.015 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131806 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 4760 8.069 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130313 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 19045 6.586 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133494 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 2570 6.957 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000127594 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 xxx N/A Employed No Yes Present
4000128936 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 0 No Yes Present
4000131940 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 2375 6.676 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131590 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 2570 6.814 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No
4000131537 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 10575 7.563 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132703 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 0 N/A No Yes Present
4000130129 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 8375 6.69 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000130833 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 7165 7.953 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131421 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
4000132307 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 2720 6.681 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000129123 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 4419.21 6.774 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000129223 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 0 No Yes Present
4000132356 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 0 No No Yes Present
4000132355 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 0 No Yes Present
4000128826 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 0 No Yes Present
4000134060 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
4000133638 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 0 No Yes Present
4000130808 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 1470 6.885 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130185 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 1730 7.051 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130621 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 2070 6.66 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000133240 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 0 No Yes Present
4000128847 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 0 No Yes Present
4000129879 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 0 No No Yes Present
4000134212 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 0 No Yes Present
4000131059 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 0 No Yes Present
4000130468 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 2078.25 7.362 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130816 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 2070 6.556 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131418 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
4000134063 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 0 N/A No Yes Present
4000132313 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 23495 7.582 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130123 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 0 No No Yes Present
4000130134 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 0 No No Yes Present
4000131235 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
4000133493 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 9800 6.653 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000134062 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 0 No Yes Present
4000127778 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 2570 7.877 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Employed No No No
4000130044 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
4000132823 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 1540 7.404 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No
4000127629 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 1880 6.834 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000131159 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
4000127509 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 0 No No Yes Present
4000130396 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 Not Employed No No Yes Present
4000130614 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 0 No No Yes Present
4000130965 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 0 No Yes Present
4000129095 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 0 No Yes Present
4000130827 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 0 No No Yes Present
4000131328 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 11167.8 6.676 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131226 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
4000128721 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 0 No Yes Present
4000132389 xxx 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 0 No Yes Present
4000132354 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 20153.44 7.219 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000133108 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 0 No Yes Present
4000133088 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 0 No Yes Present
4000131371 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 0 No Yes Present
4000132704 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 4667.2 7.794 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132305 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
4000132516 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 0 No Yes Present
4000133444 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 4295 6.526 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133249 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 7682 7.924 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133115 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 8375 6.54 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132622 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 0 N/A No Yes Present
4000129697 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 2020 6.561 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000132364 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 0 No Yes Present
4000132362 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 0 No No Yes Present
4000133311 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 0 No Yes Present
4000129020 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 0 No Yes Present
4000130793 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 0 No No Yes Present
4000131867 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 2070 6.918 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed No No
4000130405 xxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0 N/A No Yes Present
4000130642 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 0 No Yes Present
4000132275 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 0 No No Yes Present
4000133575 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
4000132617 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 0 No Yes Present
4000131993 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 2070 6.947 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133363 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 0 No Yes Present
4000131355 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 0 No Yes Present
4000131479 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 0 No No Yes Present
4000132637 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
4000130336 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 15981.68 6.726 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131060 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 Yes N/A xxx N/A Employed No Yes Present
4000132377 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 0 No Yes Present
4000133087 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No Yes 9209 7.297 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed No No
4000132369 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 0 No No Yes Present
4000134127 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 0 No No Yes Present
4000134129 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 0 No No Yes Present
4000129676 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 2450 6.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128829 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
4000131282 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 3910 7.051 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed No No
4000131808 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 0 No Yes Present
4000133451 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 0 No Yes Present
4000131089 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 0 No Yes Present
4000131564 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 0 N/A No Yes Present
4000133397 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
4000133194 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 0 No Yes Present
4000131636 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 13790 10.22 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128870 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 2320 7.762 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000128487 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 1290 6.642 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000134639 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 0 No Yes Present
4000133242 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 3032.5 6.99 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129067 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 9937.5 8.109 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000134105 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 0 No Yes Present
4000133117 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 0 No Yes Present
4000133116 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 9291 6.937 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131899 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 2070 6.798 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Not Employed No No No
4000132809 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 0 No Yes Present
4000132513 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 0 No Yes Present
4000122601 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
4000130659 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 2320 6.924 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000132731 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 0 No Yes Present
4000132358 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No Yes 13195 7.051 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133094 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 0 No No Yes Present
4000132824 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
4000133796 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 0 No Yes Present
4000133821 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 0 No Yes Present
4000133118 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 2720 8.019 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131804 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 2720 6.781 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132804 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 0 No Yes Present
4000131063 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 12844 6.904 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135111 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 0 No Yes Present
4000134252 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 2720 8.095 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135146 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 2570 6.755 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135143 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 2375 6.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130760 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 23012.57 6.688 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Not Employed No No No
4000133981 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 Yes 21031.65 8.33 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed No No
4000131025 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
4000132907 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 0 No Yes Present
4000131261 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 2020 6.691 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 0 N/A Unknown Unknown No No No
4000133657 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 0 No Yes Present
4000134272 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 0 N/A No Yes Present
4000135147 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 0 No Yes Present
4000132572 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 0 No Yes Present
4000131561 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 8200 7.762 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000134578 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 0 No Yes Present
4000135145 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
4000130607 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 0 No Yes Present
4000130456 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 0 N/A No Yes Present
4000133714 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 0 No Yes Present
4000134250 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 0 No Yes Present
4000133381 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 0 N/A No Yes Present
4000131435 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 11312.5 7.721 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Not Employed No No
4000134273 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 6770 6.9 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Employed No No No
4000134503 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 0 No Yes Present
4000135127 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
4000133786 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 10490 7.154 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133245 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 0 No Yes Present
4000132587 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 0 No Yes Present
4000134650 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 8185 6.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000134121 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 0 No Yes Present
4000134169 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No Yes No No No No No No No No No 6835 6.95 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Not Employed Not Employed No No No
4000133801 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 33739 7.402 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133787 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 13400 6.695 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132020 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 0 No Yes Present
4000131730 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 0 No Yes Present
4000131427 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 9886.24 7.114 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132482 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 0 No Yes Present
4000131618 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 0 No Yes Present
4000129632 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 1770 6.763 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000130762 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 0 No Yes Present
4000134177 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 0 No Yes Present
4000127397 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 0 No Yes Present
4000129867 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 0 No Yes Present
4000133443 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 7530 6.914 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131788 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 0 No Yes Present
4000129465 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 0 6.5 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No
4000133837 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 10210 7.091 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132517 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 0 No Yes Present
4000135358 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 23850 7.68 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000135374 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
4000135363 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 8337.04 6.559 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133815 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 7588 7.419 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed No No
4000134704 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 0 N/A No Yes Present
4000135695 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 2745 7.812 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135365 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 13150 7.062 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A xxx N/A Employed No No
4000135515 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 2450 6.932 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135397 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 8950 7.096 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No
4000135500 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
4000135400 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 10956.25 7.054 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131559 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 14093.75 7.184 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131572 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 6985 6.971 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No
4000135396 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 0 No Yes Present
4000131028 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 0 No Yes Present
4000135508 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 24945 7.079 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000132614 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 1770 7.021 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000131382 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 4550 7.823 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135381 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 5750 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135505 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
4000131397 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 Yes Yes N/A xxx N/A Employed No Yes Present
4000135501 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 2445 7.096 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135357 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 6650 6.879 Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed No No
4000135379 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 7720 6.821 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed No No
4000128816 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 0 No No Yes Present
4000132524 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 1870 7.547 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Not Employed No No
4000133734 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 0 No Yes Present
4000130618 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 0 No No Yes Present
4000131391 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 0 No Yes Present
4000133633 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 8570 6.548 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133442 xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Yes No No No No No No No No No No 18080 8.029 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000134132 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 0 No Yes Present
4000134103 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 29695 7.378 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed No No
4000128063 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 0 No Yes Present
4000133615 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 0 No Yes Present
4000132651 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 0 No Yes Present
4000134251 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 2970 6.931 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133616 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 0 No Yes Present
4000136041 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 1575 7.785 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133651 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 39921 7.197 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000133843 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 10745 7.198 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000134932 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 9575 6.442 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000129255 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 0 No No Yes Present
4000131725 xxx ATR/QM: Not Applicable ATR/QM: Not Applicable No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 No Yes Present
4000132618 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 0 N/A No Yes Present
4000133092 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 0 No Yes Present
4000133089 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 0 No Yes Present
4000135158 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 0 No Yes Present
4000135132 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 2795 6.808 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No
4000133428 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 0 No Yes Present
4000132017 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 0 No Yes Present
4000132578 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 2070 6.433 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed No No
4000135465 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 9437.5 6.547 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No
4000133440 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 17312.83 7.775 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A xxx N/A Employed No No
4000130829 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 0 No Yes Present
4000130155 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 27875 6.55 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Not Employed Not Employed No No No
4000132398 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 xxx No No Yes Present
4000135153 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 0 No Yes Present
4000135247 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 0 N/A No Yes Present
4000133122 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 xxx No No Yes Present
4000128931 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 0 No No Yes Present
4000134118 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 10489.99 7.171 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Not Employed No No
4000135249 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 0 No Yes Present
4000135155 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 0 No Yes Present
4000133098 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 0 No Yes Present
4000135159 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 0 No Yes Present
4000135126 xxx ATR/QM: Exempt ATR/QM: Exempt 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
4000135157 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 0 No Yes Present
4000136103 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 7675 7.143 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Not Employed No No
4000135239 xxx ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 No Yes Present
4000134115 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 16823.2 7.147 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Not Employed No No No
4000136761 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 1695 6.525 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed No No
4000134111 xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No Yes No No No No No No No No No 36000 7.127 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed No No