|
Client Name:
|
||||||||||||||||
|
Client Project Name:
|
SPIRE 2026-6
|
|||||||||||||||
|
Start - End Dates:
|
5/1/2026 - 7/22/2026
|
|||||||||||||||
|
Deal Loan Count:
|
83
|
|||||||||||||||
|
Rating Agency ATR QM Data Fields
|
||||||||||||||||
|
Loans in Report:
|
83
|
|||||||||||||||
|
Loan Number
|
Loan Level ATR/QM Status
|
Application Date Prior to 1/10/2014
|
Lender Application Date
|
Broker Application Date
|
GSE Eligible
|
QRM Flag
|
ATR/QM Total Points and Fees
|
Rate Lock Date
|
APR
|
Bwr 1 Employment Indicator
|
Bwr 2 Employment Indicator
|
Bwr 1 Foreign National Indicator
|
Bwr 2 Foreign National Indicator
|
Borrowers Qualified Through a Non-Resident Alien Program
|
Residual Income Analysis in File
|
ATR/QM Residual Income
|
|
409057779
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
Permanent Resident Alien
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057782
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057788
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057789
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057790
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
Permanent Resident Alien
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057791
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057796
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057797
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
U.S. Citizen
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057801
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057802
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057804
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057805
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057806
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057809
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057810
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
Permanent Resident Alien
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057811
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057813
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057816
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057819
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
Non-Resident Alien
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057820
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
Permanent Resident Alien
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057824
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057826
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057828
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057829
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057833
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057835
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057837
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
U.S. Citizen
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057838
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
Permanent Resident Alien
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057839
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057843
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057847
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057848
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057849
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057851
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057852
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
Permanent Resident Alien
|
Non-Resident Alien
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057856
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
Employed
|
U.S. Citizen
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057951
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
Employed
|
U.S. Citizen
|
U.S. Citizen
|
(No Data)
|
No
|
XXXXX
|
|
409057952
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057955
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057956
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057958
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057959
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
Permanent Resident Alien
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057960
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
Permanent Resident Alien
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057963
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057964
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057965
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
409057967
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057970
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057973
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057976
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057978
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057980
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057985
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057986
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057987
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057993
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057994
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057998
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409057999
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058000
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058002
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058003
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058004
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058005
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058010
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058011
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
U.S. Citizen
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058012
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058013
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058014
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058015
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058016
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058017
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058018
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058026
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058027
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058030
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058032
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058033
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058034
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058035
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058036
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
U.S. Citizen
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058038
|
ATR/QM: Exempt
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Unemployed
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
XXXXX
|
|
409058041
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXX
|
XXXXX
|
No
|
No
|
XXXXX
|
XXXXX
|
XXXXX
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
XXXXX
|
|
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