MFRA NQM DEPOSITOR, LLC ABS-15G
Exhibit 99.08 - Schedule 3
| ALT ID | Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 89701 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No | |||
| 89702 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No | |||
| 89703 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.379 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89704 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.186 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Not Employed | No | No | No | |||
| 89705 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.493 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Not Employed | No | No | No | |||
| 89706 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Retired | Employed | No | No | Yes | Present | ||
| 89707 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.498 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No | |||
| 89708 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89709 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.871 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89710 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89711 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90686 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90687 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | No | Yes | Present | ||||
| 90688 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 5.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90689 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | Employed | No | No | Yes | Present | ||
| 90690 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.205 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90691 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90692 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | Retired | No | No | Yes | Present | ||
| 90693 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | Employed | No | No | Yes | Present | ||
| 90694 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90695 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.566 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No | |||
| 89715 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 89716 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No | |||
| 90696 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.979 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89717 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.301 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89718 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.647 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89719 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | |||
| 89721 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89722 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 89724 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.363 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No | |||
| 89727 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.348 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89734 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.598 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89744 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.15 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89746 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89747 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.989 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89748 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | |||
| 89750 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90697 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.538 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89753 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89758 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | No | No | |||||
| 90698 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Employed | No | No | No | |||
| 89761 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.388 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89764 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.56 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90699 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 89768 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.412 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | No | No | |||||
| 89772 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | No | No | |||||
| 89776 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89778 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89779 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.17 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Retired | No | No | |||||
| 89780 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89782 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 89783 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89784 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Retired | No | No | No | |||
| 89788 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89789 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.615 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | No | No | |||||
| 89791 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | No | No | |||||
| 89793 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89794 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89796 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | No | No | |||||
| 89798 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Retired | No | No | No | |||
| 89799 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89807 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89808 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No | |||
| 89811 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89812 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89815 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | |||
| 89817 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No | |||
| 90700 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89820 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90701 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | No | Yes | Present | ||||
| 89821 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90702 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No | |||
| 90703 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90192 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90704 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90705 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | |||
| 90706 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No | |||
| 90707 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90708 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90709 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90710 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | No | No | No | No | No | No | No | No | No | No | No | 1875.0 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90711 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90712 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | No | Yes | Present | ||||
| 90713 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90714 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.228 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90715 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90716 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90717 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.47 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90718 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.717 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90719 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.161 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90720 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90721 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.831 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90722 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90723 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90724 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.542 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90725 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90726 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.471 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90727 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | No | Yes | Present | ||||
| 90728 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90729 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90730 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | No | Yes | Present | ||||
| 90731 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90732 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90733 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90734 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90735 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90736 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90737 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90738 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.867 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90739 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90740 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90741 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90743 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.559 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90744 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.479 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90745 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90746 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.009 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90747 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90748 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90749 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90750 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90751 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.401 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Employed | No | No | No | |||
| 90752 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.979 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 89825 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | Not Employed | No | No | No | |||
| 89826 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90753 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.594 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | |||
| 90754 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90755 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | |||
| 90756 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.93 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | |||||
| 90757 | XXXXXXXX | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No |