Exhibit 99.04 Schedule 7
| Loan ID | Seller Loan ID | Redaction ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| XXXX | XXXX | 4000106036 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 43252.23 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000106448 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2885 | 7.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23402.06 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000106046 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 7.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45254.46 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000106445 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 21390 | 7.129 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46154.01 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000110498 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 32345 | 6.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31460.71 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000112778 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7290 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24200.24 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000111918 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4327.5 | 6.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11402.48 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000112777 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2495 | 6.542 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45993.14 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000117601 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5220 | 6.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3532.73 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000117322 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5467.5 | 6.842 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3870.09 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121999 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | No | No | Yes | No | No | No | No | No | No | No | No | 9115 | 8.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11942.31 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000118990 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9095 | 6.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8028.6 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000123067 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 39717.56 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122239 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2495 | 6.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15547.88 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000119907 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2390 | 6.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17237.28 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000123077 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | No | Yes | Yes | No | No | No | No | No | No | No | No | 8495 | 8.104 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 12415.55 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000123076 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000119897 | XXXX | 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 | 9627.07 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000119902 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 21335 | 6.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11046.87 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000123296 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6294.4 | 7.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7391.8 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122251 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7950 | 6.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 9136.61 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121445 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2240 | 6.402 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 87260 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000120816 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2390 | 6.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9276.43 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000121447 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 6.683 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7519.92 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121666 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 15505 | 6.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13434.05 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121056 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 13381.45 | 6.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17833.98 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000120815 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1995 | 6.37 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 19317.61 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121081 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4985 | 6.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12157.45 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121424 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 7285 | 6.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5097.98 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121074 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.459 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9985.43 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121080 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 12793.75 | 6.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8236.87 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121053 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6416.7 | 6.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6410.88 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122247 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | No | No | No | No | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | Yes | 63289.1 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000121426 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 9695.2 | 6.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14084.84 | Yes | Employed | Employed | No | No | No | ||
| XXXX | XXXX | 4000122455 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6052.5 | 6.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16670.11 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000121667 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7495 | 6.264 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12931.87 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000121685 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 6040 | 6.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6845.08 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000121434 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5294 | 6.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4804.3 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000121682 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8038.5 | 6.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5189.02 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000121438 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 6.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17014.54 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121423 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 14190 | 6.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8262.23 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121692 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4494 | 6.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11680.3 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121676 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5625 | 6.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13969.77 | N/A | Employed | Not Employed | No | No | No | ||
| XXXX | XXXX | 4000121442 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 30085 | 6.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28051.85 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000122456 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 9284 | 8.633 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14429.57 | N/A | Employed | No | No | |||
| XXXX | XXXX | 4000121683 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7115 | 6.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14775.44 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122467 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 6.624 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8401.88 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000123425 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 5290 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4386.07 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000124444 | XXXX | 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 | Yes | 13266.48 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000122709 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10555 | 6.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35240.83 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000121726 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5495 | 6.302 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 27847.02 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122477 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 3699 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 10903.12 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000121690 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7682.5 | 6.682 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7331.03 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122486 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25073.79 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122257 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 13394.82 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000122490 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7560 | 6.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4975.59 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000127430 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.831 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7852.4 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000123305 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8658.57 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122472 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5005 | 6.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4836.22 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122722 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7015 | 6.404 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 15665.46 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000123502 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4289 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3653.02 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000124830 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11433.63 | 6.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7729.99 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129725 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 6.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11803.18 | Yes | Employed | Employed | No | No | No | ||
| XXXX | XXXX | 4000125915 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2390 | 6.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7102.02 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125190 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7841.88 | 6.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3895.75 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000124833 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7855 | 7.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6331.93 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000124841 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 32040 | 6.538 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32714.94 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122302 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9900 | 6.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4989.23 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000124840 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7685 | 6.667 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 22339.12 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000126719 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8295 | 7.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20060.99 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000127437 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11595 | 6.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13946.65 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000123420 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 13985 | 7.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16680.36 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000124824 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 14090 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10049.78 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129724 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 71005.4 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129727 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.692 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101381.18 | N/A | Not Employed | Employed | No | No | No | ||
| XXXX | XXXX | 4000125720 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10585 | 6.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11688.25 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000123302 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 6.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17370.95 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125178 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1995 | 6.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6261.03 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000124819 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 13190 | 6.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10550.6 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000123422 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 5435 | 6.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4089.93 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125715 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11945 | 7.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14532.8 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125177 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8520 | 6.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9006.07 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125181 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4628.85 | 6.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8625.04 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000126711 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4540 | 6.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4188.8 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000127130 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7340.95 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7865.3 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125182 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 8480 | 7.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7975.71 | N/A | Employed | No | No | |||
| XXXX | XXXX | 4000125716 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 14085 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14726.71 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125183 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | No | Yes | Yes | No | No | No | No | No | No | No | No | 6666.5 | 8.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5220.11 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000127129 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4185 | 6.69 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3323.53 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000126713 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6615 | 6.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8947.04 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000126707 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 17790 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49352.84 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125878 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5290 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6274.11 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125176 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6195 | 6.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9883.05 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000128740 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 3994 | 6.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9906.99 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125717 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4788 | 6.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7224.74 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000127879 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 11295 | 6.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4315.14 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000127897 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000127898 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5090 | 7.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31559.02 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000127877 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6590 | 6.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5901.59 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000127134 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8570.8 | 6.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16612.33 | N/A | Employed | Employed | No | No | No | ||
| XXXX | XXXX | 4000127132 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.437 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 135448.88 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000125175 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6215 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | N/A | 15697.25 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000125719 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 25405 | 7.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 105823.99 | N/A | Employed | Employed | No | No | No | |
| XXXX | XXXX | 4000125165 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6835 | 7.149 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5517.62 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000126716 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000124835 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7270 | 6.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8143.75 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000127885 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4182.5 | 6.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5805.48 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000127886 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11745 | 6.485 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 57582.76 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000125172 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4645 | 6.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13723.56 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000128772 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | No | No | No | No | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | 11784.55 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000128811 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | No | Yes | Present | ||||||||||
| XXXX | XXXX | 4000124831 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 15785 | 7.48 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19034.72 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125884 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 4770 | 6.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3538.59 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000129272 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5324.99 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000129515 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7570 | 7.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 17552.58 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129266 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 10188.72 | 7.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7487.16 | N/A | Employed | Not Employed | No | No | No | ||
| XXXX | XXXX | 4000122720 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 4630.22 | 6.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4903.25 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000126701 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000129506 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2315 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13420.75 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000122476 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5192.5 | 6.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6292.29 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000126699 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 29526.25 | 7.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24022.09 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000128749 | XXXX | 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 | Yes | 11052.1 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000129273 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11370 | 6.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10173.52 | N/A | Employed | Employed | No | No | No | ||
| XXXX | XXXX | 4000130017 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 10130 | 7.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4589.27 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129511 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8842.22 | N/A | Employed | Employed | No | No | No | ||
| XXXX | XXXX | 4000125167 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2490 | 7.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8013.97 | N/A | Employed | No | No | |||
| XXXX | XXXX | 4000128766 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28876.19 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000130246 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22714.33 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130011 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7639 | 7.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6040.58 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130278 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5456.5 | 6.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6099.86 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000122724 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4815 | 6.799 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20500.94 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130009 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 15350 | 7.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8949.04 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000128747 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 9100.47 | 6.728 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7809.07 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130010 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7395 | 6.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21982 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130251 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33115.91 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000130024 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 14183 | 6.482 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18107.45 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130025 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 9995 | 6.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8495.65 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000130019 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8825 | 6.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6293.44 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130249 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 3827 | 6.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6337.11 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000130028 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 4442 | 6.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9850.94 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000130261 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000129508 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2495 | 6.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16849.1 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000126886 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6120 | 7.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4034.57 | Yes | Employed | No | No | |||
| XXXX | XXXX | 4000125873 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6836 | 6.715 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7407.72 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130256 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000130008 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2495 | 6.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15828.12 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130023 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 6.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7771.34 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130274 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2590 | 6.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6600.43 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000128760 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 13110 | 7.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9011.79 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000130260 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000130012 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5995 | 6.675 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5505.4 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130262 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 12065 | 7.184 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 13205 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000130930 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7087 | 6.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3113.84 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000130744 | XXXX | 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 | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000130911 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3210 | 7.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8308.86 | N/A | Employed | No | No | |||
| XXXX | XXXX | 4000130929 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8373 | 7.731 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4847.65 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000131498 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | No | 14976 | 7.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20742.22 | N/A | Employed | No | No | |||
| XXXX | XXXX | 4000125170 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 12031.16 | 6.532 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6144.45 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129507 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 15745 | 6.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25157.87 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130799 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 364300.77 | N/A | Not Employed | Employed | No | No | Yes | Present | ||||||
| XXXX | XXXX | 4000125885 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4525 | 6.837 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9051.19 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129770 | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No | No | No | No | No | No | No | No | No | No | No | No | 26225.29 | 6.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 98171.84 | Yes | Employed | Employed | No | No | No | ||
| XXXX | XXXX | 4000132434 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000130276 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 11807.5 | 6.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6506.02 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130259 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14744.97 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129055 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 27252.5 | 8.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25124.08 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000120736 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 23799.98 | 7.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11258.18 | N/A | Employed | No | No | |||
| XXXX | XXXX | 4000128693 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 13545 | 7.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11227.1 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000130917 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 6632.8 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3846.57 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000129006 | XXXX | 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 | Yes | N/A | N/A | N/A | N/A | 11650.19 | Yes | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000130944 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6692 | 7.013 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4326.15 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000125104 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 17332.65 | 6.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19799.53 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130805 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000127645 | XXXX | 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 | 8448.89 | N/A | Employed | No | Yes | Present | ||||||||
| XXXX | XXXX | 4000131381 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | No | Yes | Present | ||||||||||
| XXXX | XXXX | 4000132867 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 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 | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000130032 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6770 | 7.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6881.59 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000130277 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2090 | 6.683 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6088.49 | N/A | Employed | No | No | ||||
| XXXX | XXXX | 4000132316 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000130379 | XXXX | 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 | 26383.86 | N/A | Employed | Not Employed | No | No | Yes | Present | ||||||
| XXXX | XXXX | 4000131238 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10906.95 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17203.39 | Yes | Employed | No | No | |||
| XXXX | XXXX | 4000134886 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29831.47 | N/A | Employed | Employed | No | No | Yes | Present | ||||||
| XXXX | XXXX | 4000134720 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000130153 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000133221 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000129784 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8195 | 7.416 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9801.47 | Yes | Employed | No | No | ||||
| XXXX | XXXX | 4000135255 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000135244 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||
| XXXX | XXXX | 4000132476 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present |