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?
6000074868     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Alternative ATR Documentation Not Tested No No No No     No No No No 13349 4.888 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed Not Employed No No No  
6000083508     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail Yes Yes No No   No No No No No 7995.88 7.224 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
4000093282     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
4000093277     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 11599.5 7.376 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000096725     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
4000097192     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
4000096812     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
4000101149     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
4000104529     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
4000108883     xxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 1725 6.668 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000110007     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   Unknown   No   Yes Present
4000113581     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 1470 6.544 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown   No   No  
4000119946     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 1250 6.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000112496     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 7.327 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000119337     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
4000118706     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 3220 6.223 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000118996     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
4000119500     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
4000121361     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   Unknown   No   Yes Present
4000121502     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
4000120721     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
4000122199     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 9992.5 6.452 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000124809     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 2020 6.893 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No  
4000120075     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
4000129592     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
4000116772     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 26325 6.976 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000127495     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
4000128690     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   Unknown   No   Yes Present
4000128625     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 5935 6.791 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000127330     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
4000130960     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
4000126893     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
4000130681     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
4000131555     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 2045 7.659 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000129330     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
4000133666     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
4000131591     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 1615 6.605 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Retired No No No  
4000128238     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
4000129327     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 1250 6.425 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes xxx N/A Employed Employed No No No  
4000130140     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 1770 6.468 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000128488     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 1920 7.143 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000132056     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 3796.26 6.253 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed   No   No  
4000130770     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 Yes xxx Yes Employed   No   Yes Present
4000132901     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 8752.5 6.834 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000131009     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 No Yes Present
4000131727     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 1985 6.958 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Retired   No   No  
4000134509     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 7.025 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Employed No No No  
4000133809     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 8862 7.047 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
4000134799     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
4000135813     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
4000134944     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
4000131908     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 7597 6.037 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Employed No No No  
4000134649     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 6.816 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133866     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 6.71 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000131415     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
4000133634     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 2425 6.925 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134009     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 6.957 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000131383     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 9945 7.317 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000126245     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 24570 7.303 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133618     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
4000136040     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
4000135441     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
4000136042     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 9875 6.77 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135212     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
4000136043     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 6.506 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135833     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
4000133987     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
4000135467     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 20545 6.739 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136149     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 6.403 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000129084     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 1500 6.37 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Retired No No No  
4000128853     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 4818.18 6.654 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No No No  
4000136148     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 6.809 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135210     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
4000133505     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
4000134842     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
4000132106     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 3506.48 7.835 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Unknown No No No  
4000134581     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
4000132746     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
4000134337     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
4000133448     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 5425 6.573 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135341     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
4000136377     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
4000128114     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 2577.5 6.634 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000132273     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
4000134744     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
4000135474     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 4835.63 6.78 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135376     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 2450 8.068 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133044     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 7881 6.919 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000131736     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
4000135526     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 15524.89 6.844 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000132436     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
4000135360     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 9550 6.554 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134499     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 4640 6.462 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000131838     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
4000132807     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
4000132882     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
4000133449     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
4000132312     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   Unknown   No   Yes Present
4000134745     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
4000134651     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 6.658 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135630     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 4285 7.079 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135462     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
4000135446     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 12295 6.948 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134933     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
4000134324     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
4000133297     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
4000134472     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   Unknown Unknown No No Yes Present
4000134658     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
4000128865     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
4000135461     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
4000135418     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 9190 6.829 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135524     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 11307.5 6.604 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000134372     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
4000130137     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 N/A     No   Yes Present
4000131593     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
4000131606     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
4000135485     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
4000136791     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 0 N/A Unknown   No   Yes Present
4000133853     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   Unknown   No   Yes Present
4000133629     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
4000134332     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   Unknown   No   Yes Present
4000134710     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
4000135057     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 2570 7.941 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135601     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 10665 6.709 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134940     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 6.886 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000136685     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
4000136768     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 6.55 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136996     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 6.448 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
4000136658     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
4000134271     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 7.79 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137222     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
4000134843     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
4000134487     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
4000133819     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 8842.69 6.82 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134205     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   Unknown Unknown No No Yes Present
4000136769     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 2570 7.872 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136517     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
4000133396     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
4000135389     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
4000134845     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
4000135805     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 3636.4 7.727 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Retired Retired No No No  
4000132357     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   Unknown   No   Yes Present
4000134722     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
4000134041     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
4000131904     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   Unknown   No   Yes Present
4000135141     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 6.933 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137178     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 1575 6.793 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135034     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
4000137181     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 7.827 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137184     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 6.417 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134178     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
4000134893     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 4418 6.871 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000131622     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 1670 6.421 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000134011     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 350 8.004 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000135831     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 7.12 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137182     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 6.68 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137183     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 4975 6.469 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137180     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 6.702 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000135890     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
4000134957     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   Unknown   No   Yes Present
4000117042     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
4000135056     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
4000134849     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
4000134504     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 6411.52 6.67 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137179     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 6.578 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135624     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
4000130114     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 1715 6.904 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000137296     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
4000136498     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
4000134497     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 19017.79 6.687 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136003     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
4000133706     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   Unknown Unknown No No Yes Present
4000135915     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 8920 7.116 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135830     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 7.781 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Employed No No No  
4000133662     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
4000129871     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
4000130817     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
4000137605     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
4000135622     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 13630 6.683 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133864     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 1820 7.531 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx Yes Unknown Unknown No No No  
4000133426     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
4000133241     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
4000136116     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 11670 7 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135649     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
4000134106     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
4000135469     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 6175 6.696 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133802     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
4000135054     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 6.934 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000131685     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 Yes 40999 8.124 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134801     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
4000135703     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 6.884 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Not Employed   No   No  
4000135466     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 10340.63 6.614 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000135471     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
4000136607     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 4782 6.65 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000131400     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
4000135818     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
4000134569     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
4000134295     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 6.787 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135004     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 7336.92 7.915 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Unknown No No No  
4000134057     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
4000134054     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
4000137832     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 36595 7.138 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135475     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 12089.9 6.703 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135215     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 10444.2 6.853 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Not Employed   No   No  
4000135826     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
4000132621     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
4000136317     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
4000136553     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
4000134215     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 1290 6.585 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Not Employed   No   No  
4000133844     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 3250 7.003 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135451     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
4000133842     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 20981.25 6.927 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136063     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
4000132410     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
4000133661     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
4000135394     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
4000135449     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 6850 7.653 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135643     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   Unknown   No   Yes Present
4000135490     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
4000137043     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
4000134265     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
4000130170     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
4000133903     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
4000137051     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
4000137922     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 3370 6.187 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136604     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
4000137933     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
4000136655     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 7963.75 6.865 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137934     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 11250 7.857 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135234     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 3016.64 6.681 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000136200     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
4000135258     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 22313 6.507 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown   No   No  
4000135136     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 15235 7.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136096     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No Yes No No No No No No No No No 21595 7.342 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136130     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
4000136581     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 1495 7.093 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135825     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
4000135275     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 7375 7.923 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135276     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 9081 6.692 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133833     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
4000136625     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 11114 7.357 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134644     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
4000135673     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
4000131247     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
4000135055     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 8.021 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133878     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 8260 7.71 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138302     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 9010 6.787 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136690     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 7400 7.05 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000135454     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 16750 7.426 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000129940     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 No 16291.25 7.855 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133114     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
4000138284     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 13700 6.711 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133654     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
4000135634     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
4000136542     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 8870 6.555 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138298     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 12685 8.015 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134147     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
4000134134     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
4000134113     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 14815 7.181 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Not Employed   No   No  
4000127863     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
4000135478     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
4000138287     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 4095 6.859 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133663     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   Unknown   No   Yes Present
4000138306     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 12685 6.94 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133901     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
4000135849     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
4000138290     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 4950 6.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136257     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
4000135472     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
4000136927     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
4000135621     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
4000134333     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
4000126755     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
4000135644     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
4000133735     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
4000131911     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
4000134672     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 Yes Employed Employed No No Yes Present
4000134021     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
4000136127     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
4000134505     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 3060 6.948 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135140     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
4000135599     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
4000136926     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 2570 7.942 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A xxx N/A Employed   No   No  
4000137875     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
4000132121     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
4000135071     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 8.069 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136420     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 6.945 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000126756     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
4000136724     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
4000134715     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 6690 7.054 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136903     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   Unknown   No   Yes Present
4000136684     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
4000135682     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
4000136285     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 6.936 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137392     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 9100 7.491 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000135687     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
4000135582     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 1880.25 6.782 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown   No   No  
4000136671     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
4000136035     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 6.952 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135148     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
4000135129     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No Yes No No No No No No No No Yes 7735 7.184 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000136184     xxx 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 0       No   Yes Present
4000136133     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
4000133171     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   Unknown Unknown No No Yes Present
4000135728     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
4000133167     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
4000131700     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
4000133232     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 Unknown   No   Yes Present
4000138844     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   Unknown Unknown No No Yes Present
4000137095     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 19835 9.046 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136703     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 9003.75 6.926 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136539     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 10190 7.449 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137254     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No Yes 8747 7.249 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133915     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
4000136534     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 12755 6.936 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136657     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 N/A N/A 0       No   Yes Present
4000136115     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 4545 7.031 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138294     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
4000139068     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 14489 6.272 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000137766     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
4000137768     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
4000137767     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
4000134939     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
4000134477     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   Unknown   No   Yes Present
4000134588     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 7.172 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000134576     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
4000135486     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 6290 6.888 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137395     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 Yes Yes N/A xxx N/A Employed   No   Yes Present
4000134969     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 253.5 6.306 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139283     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
4000134095     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 16277.1 7.099 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Not Employed   No   No  
4000137983     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 6680 7.908 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137156     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
4000136723     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 3425 6.686 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137278     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No Yes 6665.25 7.042 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138101     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
4000137268     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 12203 6.873 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Unknown No No No  
4000138279     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 1275 6.768 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136727     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 6.556 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000138305     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 5690 6.889 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138267     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 21970 7.069 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000131644     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 6.898 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133759     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
4000134652     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 6.787 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137186     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 7.975 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139064     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 Yes 9225 8.844 Yes Yes N/A Yes Yes Yes N/A N/A Yes N/A xxx N/A Employed   No   No  
4000135626     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
4000138070     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
4000138473     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 9235 7.179 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134825     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
4000136941     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 1770 6.624 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000132048     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 7.047 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown   No   No  
4000131728     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 1370 6.673 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000137354     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 5390 6.927 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136427     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
4000131760     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         Yes Present
4000136634     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
4000138299     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 10580 8.446 Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137356     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 7333 6.626 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136728     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
4000135340     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 2425 6.665 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137829     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
4000137035     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 0       No   Yes Present
4000135636     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 2178 7.27 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Unknown No No No  
4000136725     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
4000136938     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
4000135246     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
4000136176     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 2873.4 7.097 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired Employed No No No  
4000135236     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
4000137472     xxx ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A Yes Yes N/A N/A N/A N/A N/A 0       No   Yes Present
4000134803     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   Unknown   No   Yes Present
4000136687     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
4000138277     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 2345 7.372 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139216     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 N/A N/A N/A N/A N/A xxx N/A Employed Employed No No Yes Present
4000138307     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 3050 7.203 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139215     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 17880 7.333 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx N/A Employed Employed No No No  
4000138170     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
4000133158     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
4000134928     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
4000136047     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
4000136675     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
4000137431     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 6.7 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136928     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 7570 6.814 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136453     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 No Yes Present
4000137765     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 11726.25 6.664 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed Employed No No No  
4000137461     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 4433 7.051 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136283     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 6.962 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135620     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
4000138513     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
4000138384     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 11251.57 7.322 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000136528     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
4000139378     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 1425.25 6.52 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Not Employed Employed No No No  
4000136074     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
4000137938     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
4000131190     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
4000138750     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
4000139728     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 7908.75 6.742 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138169     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
4000136034     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
4000138146     xxx ATR/QM: Exempt ATR/QM: Exempt 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 0       No No Yes Present
4000137251     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 10615 7.167 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed   No   No  
4000138467     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
4000134268     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
4000136556     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
4000137606     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 6.816 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139940     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 30195 6.639 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000134926     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
4000135970     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 N/A N/A N/A N/A N/A 0       No No Yes Present
4000138314     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
4000136558     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   Unknown   No   Yes Present
4000139944     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 10658 7.639 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137246     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
4000138370     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
4000138118     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
4000135517     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 6670 6.991 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136925     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 6.935 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135399     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 6587.5 7.097 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139056     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
4000138939     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 7126.25 6.664 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139952     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 7.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135489     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 6450 7.381 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138144     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No Yes No No No No No No No No Yes 9547.22 6.852 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown   No   No  
4000136444     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
4000135638     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 6.89 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139949     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 10100 7.942 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138404     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
4000133937     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
4000138166     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
4000136722     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 5475 6.584 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135254     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
4000138516     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
4000138761     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 N/A N/A 0 N/A     No   Yes Present
4000134667     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
4000139622     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 1880 6.756 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Unknown No No No  
4000140255     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 10395 7.28 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138174     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 26230 7.096 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135602     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
4000134586     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
4000139101     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 7650 7.581 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140257     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 10054.38 6.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000139109     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 3950 6.683 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138297     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 Not Employed No No Yes Present
4000139124     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 12238.75 6.765 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136689     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 6950 7.866 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139113     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
4000138162     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 7.345 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136721     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 2425 6.59 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000138163     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
4000140285     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 32481.09 6.976 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000136010     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
4000140260     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
4000138296     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 4470 7.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000134936     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
4000138218     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 9250 7.319 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140283     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
4000139651     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 11101.25 6.664 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138598     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
4000140676     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 27700 6.814 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135523     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 1640 7.181 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes xxx Yes Employed   No   No  
4000136601     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
4000133748     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
4000139432     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 1590 7.42 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000137404     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No Yes 8704.38 7.142 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138444     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 10595 7.131 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139115     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 27240 7.854 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136433     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
4000134263     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
4000140606     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 7390 7.222 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140630     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 4200 7.536 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140687     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 27250 7.142 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140734     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 7.118 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140611     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 7.083 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140682     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 23525 7.208 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140626     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 11225 7.506 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139104     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 12765 6.669 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000138293     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 6875 6.787 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140614     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 11065 7.075 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138292     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 12410 7.757 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140709     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 4820 6.832 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135711     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 2145 7.435 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed   No   No  
4000138042     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
4000140653     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 7523.08 6.745 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140645     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
4000140683     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 9810 7.088 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138108     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
4000137691     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
4000138652     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
4000136104     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   Unknown   No   Yes Present
4000140405     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 20847.5 6.755 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000136648     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
4000134270     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
4000138215     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 4690 6.971 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000139437     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 19759.45 6.745 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137397     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No Yes 24198.2 6.813 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Unknown   No   No  
4000137912     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
4000140618     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 11450 7.003 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140659     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 3607.5 6.545 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140675     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 6490 7.328 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140715     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 8092 6.808 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000136535     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 13445 6.396 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000139989     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
4000139308     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 9095 6.916 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000133863     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
4000136275     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
4000136129     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
4000138107     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
4000137479     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
4000140254     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
4000137097     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
4000138053     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 2320 6.457 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown   No   No  
4000137464     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
4000137358     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 12340 6.611 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Employed No No No  
4000138581     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
4000137793     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 6.897 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140699     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 8245 6.889 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx Yes Employed   No   No  
4000140696     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 12625 7.076 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000138050     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
4000139112     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 18750 7.283 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000135819     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
4000138394     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
4000139424     xxx 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 xxx N/A Employed   No   Yes Present
4000139438     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 1880 7.267 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed Not Employed No No No  
4000137259     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 2148.3 6.971 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000140975     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 28270 7.401 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000137288     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
4000140969     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 26545 6.883 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Not Employed   No   No  
4000139620     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 31045 7.102 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Unknown Unknown No No No  
4000141103     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
4000141087     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
4000142360     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
4000141079     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 8045 6.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Unknown   No   No  
4000142229     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 2252.84 8.707 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000141042     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No Yes No No No No No No No No No 1880 6.763 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Employed   No   No  
4000135250     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
4000134140     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
4000138103     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
4000141049     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 8200 6.842 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Unknown Not Employed No No No  
4000142371     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
4000139466     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
4000142345     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
4000142324     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 Retired   No   Yes Present
4000142328     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No Yes No No No No No No No No No 11960.86 6.611 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Not Employed Employed No No No  
4000138447     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No Yes No No No No No No No No No 2804.69 6.853 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A xxx N/A Retired   No   No  
4000142228     xxx ATR/QM: Exempt ATR/QM: Exempt No Alternative ATR Documentation No No No No No No No No No No No 28705 7.277 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A xxx N/A Employed   No   No  
4000124507     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
4000142350     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
4000140988     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