Exhibit 99.2 Schedule 6

 

Marketing 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?
828 XX XX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt No Not Tested Yes Yes No No No No No No No Not Tested 0 8.171 N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A 4943.99 N/A Employed No No
838 XX XX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt No Not Tested Yes No No No No No No No No Not Tested 0 7.833 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 23305.72 N/A Retired Employed No No No
2 XX XX 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 18953.93 N/A Employed No No
3 XX XX 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 6.744 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5555.1 N/A Employed Employed No No No
4 XX XX 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 6.669 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21900.61 N/A Not Employed Not Employed No No No
5 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
6 XX XX 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 7.665 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14741.36 N/A Employed Not Employed No No No
9 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
10 XX XX 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 6.23 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23977.54 N/A Employed Employed No No No
13 XX XX 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 N/A N/A Yes Yes Yes N/A Yes Yes Yes 16640.65 N/A Not Employed Not Employed No No No
14 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
15 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
16 XX XX 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 6.833 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41727.31 N/A Employed No No
17 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
22 XX XX 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 38072.8 N/A Employed Employed No No No
25 XX XX 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 7829.17 N/A Employed Not Employed No No No
30 XX XX 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 6.532 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24865.27 N/A Not Employed No No
40 XX XX 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 7.135 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7426.62 N/A Employed No No No
41 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
42 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A Yes N/A N/A N/A N/A N/A N/A No Yes Present
45 XX XX 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 7.802 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6477.91 N/A Employed Retired No No No
46 XX XX 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 7.361 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8520.01 N/A Employed No No
49 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
50 XX XX 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 7.246 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5736.57 N/A Not Employed No No
52 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
54 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
55 XX XX 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 7.104 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4978.43 N/A Employed No No
58 XX XX 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 6.762 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11669.36 N/A Employed No No
68 XX XX 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 7.676 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10439.29 N/A Employed Employed No No No
73 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
76 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
81 XX XX 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 6.691 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12561.09 N/A Employed No No
87 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
88 XX XX 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 3364.54 N/A Employed Employed No No Yes Present
90 XX XX 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 7.036 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15365.51 N/A Employed No No
95 XX XX 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 6.32 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14651.72 N/A Employed Employed No No No
97 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
98 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
109 XX XX 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 7.364 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10308.8 N/A Employed Employed No No No
111 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
250 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
251 XX XX 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 6.157 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3228.56 N/A Not Employed Not Employed No No No
252 XX XX 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 6.686 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7368.57 N/A Employed Employed No No No
253 XX XX 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 8.643 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21362 N/A Employed No No
255 XX XX 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 6.716 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 64717.18 N/A Employed No No
256 XX XX 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 7.817 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31714.47 N/A Employed No No
257 XX XX 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 7.036 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 3370.35 N/A Retired No No
262 XX XX 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 7.115 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21051.6 N/A Employed No No
264 XX XX 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 6.629 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5222.32 N/A Retired Retired No No No
265 XX XX 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 6.457 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23872.04 N/A Employed No No
266 XX XX 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 6.889 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes N/A Not Employed Not Employed No No No
267 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
268 XX XX 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 6.85 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4090.9 N/A Employed No No
269 XX XX 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 7.247 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33452.66 N/A Employed Employed No No No
270 XX XX 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 8.169 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18944.46 N/A Employed No No
275 XX XX 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 7.062 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7566.41 N/A Retired Retired No No No
277 XX XX 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 6.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8536.04 N/A Employed No No
279 XX XX 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 7.435 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15947.94 N/A Employed Employed No No No
282 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
283 XX XX 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 6.914 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15893.46 N/A Employed No No
285 XX XX 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 7.282 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1934.76 N/A Employed No No
286 XX XX 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 6.77 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15330.72 N/A Employed No No
289 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
290 XX XX 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 7.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20513.09 N/A Employed No No
294 XX XX 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 6.572 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13021.77 N/A Employed Retired No No No
296 XX XX 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 4703.94 N/A Retired Retired No No No
299 XX XX 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 7645.57 N/A Employed Employed No No Yes Present
300 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
301 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
304 XX XX 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 8243.22 N/A Employed No Yes Present
305 XX XX 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 35794.71 N/A Employed No No
308 XX XX 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 7.96 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14000.01 N/A Employed No No
309 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes N/A
310 XX XX 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 7.404 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5767.83 N/A Employed No No
313 XX XX 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 6.962 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21314.52 N/A Employed No No
317 XX XX 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 7.321 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4406 N/A Employed No No
318 XX XX 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 8.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11166.71 N/A Employed No No
319 XX XX 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 6.649 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12264.81 N/A Not Employed No No
320 XX XX 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 7.04 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 8443.07 N/A Retired No No
326 XX XX 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 6.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18305.71 N/A Employed No No
328 XX XX 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 6.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35316.19 N/A Employed No No
330 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
334 XX XX 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 6839.34 N/A Employed No Yes Present
336 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
337 XX XX 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 7.233 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37295.76 N/A Employed No No
338 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
339 XX XX 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 3005.8 N/A Employed No Yes Present
341 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
343 XX XX 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 6.231 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 261604.63 N/A Not Employed Employed No No No
344 XX XX 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 7.214 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8018.64 N/A Retired No No
347 XX XX 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 6.272 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13513.43 N/A Employed Employed No No No
352 XX XX 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 7.138 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37955.77 N/A Employed No No
353 XX XX 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 7.451 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29901.66 N/A Retired No No
355 XX XX 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 6.265 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24378.12 N/A Employed Employed No No No
360 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
365 XX XX 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 6.48 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7083.34 N/A Employed Employed No No No
367 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
368 XX XX 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 7.801 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18314.9 N/A Employed No No
372 XX XX 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 6.952 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 8705.07 N/A Retired Retired No No No
373 XX XX 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 7.715 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4790.74 N/A Employed No No
378 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
379 XX XX 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 6.762 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 329021.38 N/A Employed No No
381 XX XX 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 381901.36 N/A Employed No Yes Present
384 XX XX 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 6.665 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11303.96 N/A Employed No No
385 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
386 XX XX 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 7.026 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3832.2 N/A Employed No No
390 XX XX 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 6.984 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15220.18 N/A Employed No No
391 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
393 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
395 XX XX 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 7.052 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6133.61 N/A Employed Employed No No No
398 XX XX 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 8.191 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 138408.49 N/A Employed No No
399 XX XX 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 6.448 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 123064.29 N/A Employed No No
402 XX XX 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 8.401 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19374.4 N/A Employed Employed No No No
403 XX XX 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 7.308 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41302.24 N/A Employed No No
407 XX XX 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 8.0 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24438.16 N/A Employed Employed No No No
410 XX XX 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 6.392 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2941.23 N/A Employed No No
411 XX XX 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 6.8 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 433432.75 N/A Employed No No
415 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
416 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
417 XX XX 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 7.025 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7049.57 N/A Employed No No
419 XX XX 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 6.835 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7569.5 N/A Employed Not Employed No No No
423 XX XX 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 7.666 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6228.71 N/A Employed No No
424 XX XX 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 8.265 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7361.88 N/A Employed No No
428 XX XX 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 6.963 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23339.83 N/A Employed No No
430 XX XX 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 6.68 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21553.32 N/A Employed No No
432 XX XX 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 6.228 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28239.93 N/A Employed No No
435 XX XX 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 124215.85 N/A Employed Retired No No No
442 XX XX 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 6.445 Yes Yes N/A Yes Yes Yes N/A Yes No Yes 3340.92 N/A Retired Employed No No No
449 XX XX 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 9.45 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7934.06 N/A Employed No No
451 XX XX 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 6.738 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4750.1 N/A Employed Employed No No No
454 XX XX 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 7.073 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12997.11 N/A Employed No No
458 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
460 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
461 XX XX 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 6.399 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13931.12 N/A Employed No No
466 XX XX 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 7.307 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5592.46 N/A Retired No No
473 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
475 XX XX 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 10904 N/A Employed No Yes Present
478 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
481 XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No Yes 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 No Yes Present
482 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
485 XX XX 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 7.423 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9929.49 N/A Employed Employed No No No
486 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
487 XX XX 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 7.812 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12872.99 N/A Employed Employed No No No
489 XX XX 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 8.169 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17731.41 N/A Employed No No
491 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
492 XX XX 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 7.215 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13797.24 N/A Employed No No
493 XX XX 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 7.317 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7342.56 N/A Employed No No
495 XX XX 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 6.744 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 43272.46 N/A Employed No No
499 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
501 XX XX 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 9.248 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6812.88 N/A Employed Employed No No No
502 XX XX 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 7.958 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6621.22 N/A Employed No No
504 XX XX 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 7.012 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25606.95 N/A Employed No No
505 XX XX 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 6.838 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8418.13 N/A Employed No No
506 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
507 XX XX 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 7.854 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7965.76 N/A Employed Not Employed No No No
509 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
511 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
515 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
517 XX XX 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 6.85 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33280.4 N/A Employed No No
519 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
522 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
525 XX XX 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 7.1 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20890.31 N/A Retired Retired No No No
527 XX XX 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 9.402 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12826.72 N/A Employed No No
531 XX XX 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 6.788 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16810.13 N/A Employed No No
534 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
537 XX XX 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 6.682 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34031.68 N/A Employed No No
538 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
540 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
542 XX XX 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 7.196 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5890.03 N/A Employed No No
545 XX XX 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 7.201 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23503.04 N/A Employed Not Employed No No No
548 XX XX 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 7.939 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 175907.73 N/A Employed No No
551 XX XX 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 7.655 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6060.67 N/A Employed No No
554 XX XX 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 6.312 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33023.85 N/A Employed No No
557 XX XX 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 6.926 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24547.27 N/A Employed No No
560 XX XX 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 6.27 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19515.71 N/A Employed No No
561 XX XX 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 6.943 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7029.3 N/A Employed No No
563 XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No Yes 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 228785.42 N/A Employed No Yes Present
564 XX XX 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 11257.49 N/A Employed No Yes Present
565 XX XX 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 7.453 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20744.44 N/A Employed No No
572 XX XX 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 59095.82 N/A Employed No Yes Present
573 XX XX 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 6.489 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17053.08 N/A Employed Employed No No No
577 XX XX 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 94640.48 N/A Employed Not Employed No No Yes Present
586 XX XX 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 7.804 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9703.97 N/A Employed No No
587 XX XX 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 7.764 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 107970.61 N/A Employed No No
588 XX XX 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 6.72 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42198.41 N/A Employed No No
592 XX XX 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 6.773 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33903.98 N/A Employed No No
595 XX XX 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 7.606 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25327.76 N/A Employed No No
597 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
598 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
600 XX XX 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 22305.12 N/A Employed Employed No No Yes Present
608 XX XX 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 883625.36 N/A Employed No Yes Present
609 XX XX 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 44441.71 N/A Employed No Yes Present
612 XX XX 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 8.19 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11583.96 N/A Employed No No
614 XX XX 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 8.732 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8471.29 N/A Retired Employed No No No
616 XX XX 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 7.185 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24725.29 N/A Employed No No
630 XX XX 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 8.383 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21766.05 N/A Employed No No
631 XX XX 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 7.111 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24464.53 N/A Employed No No
633 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
637 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
638 XX XX 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 8.114 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19126.09 N/A Employed Retired No No No
639 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
641 XX XX 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 6.93 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10006.69 N/A Employed Employed No No No
644 XX XX 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 7.033 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60918.47 N/A Employed No No
646 XX XX 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 7.314 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3223.94 N/A Retired No No
647 XX XX 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 7.471 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20924.1 N/A Employed No No
648 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
649 XX XX 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 7.625 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10409.61 N/A Employed No No
652 XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Not Tested No No No No Yes No No No No Not Tested 0 7.071 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11731.52 N/A Employed Not Employed No No No
654 XX XX 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 7.014 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25844.17 N/A Employed No No
655 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
657 XX XX ATR/QM: Exempt Non-QM: Lender documented all ATR UW factors Yes 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 Yes N/A 205074.94 N/A Employed Employed No No Yes Present
659 XX XX 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 6.756 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4687.08 N/A Employed No No
664 XX XX 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 6.742 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11449.68 N/A Employed No No
668 XX XX 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 7.518 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26749.4 N/A Employed No No
670 XX XX 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 7.356 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3733.4 N/A Employed Retired No No No
672 XX XX 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 6.924 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14768.84 N/A Employed No No
676 XX XX 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 6.379 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6895.22 N/A Retired No No
678 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
679 XX XX 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 6.685 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7742.31 N/A Employed No No
683 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
684 XX XX 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 6.744 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24707.12 N/A Retired Retired No No No
685 XX XX 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 4832.19 N/A Retired No Yes Present
688 XX XX 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 7.838 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9292.54 N/A Employed No No
690 XX XX 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 6.69 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7638.52 N/A Employed No No
694 XX XX 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 6.858 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5847.13 N/A Retired No No
696 XX XX 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 6.363 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10095.82 N/A Employed Employed No No No
697 XX XX 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 7.148 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5348.83 N/A Retired Employed No No No
698 XX XX 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 6495.25 N/A Employed Retired No No Yes Present
700 XX XX 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 26207.28 N/A Employed No Yes Present
701 XX XX 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 6.371 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 45525.57 N/A Employed No No
703 XX XX 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 7.591 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6572.23 N/A Employed No No
705 XX XX 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 6.712 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10943.27 N/A Retired No No
706 XX XX 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 7.028 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9025.88 N/A Employed No No
707 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
710 XX XX 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 6.792 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28133.94 N/A Employed Employed No No No
711 XX XX 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 6.747 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19380.05 N/A Employed No No
712 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
713 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
716 XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 3068.0 7.785 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 3964.83 N/A Retired No No
717 XX XX 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 9.515 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13585.34 N/A Employed No No
718 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
720 XX XX 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 6.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22540.6 N/A Employed Retired No No No
721 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
722 XX XX 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 6.95 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20686.41 N/A Employed No No
723 XX XX 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 7.892 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 82660.79 N/A Employed No No
729 XX XX 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 32948.34 N/A Employed No Yes Present
731 XX XX 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 6.213 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23267.85 N/A Employed No No
733 XX XX 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 29909.64 N/A Employed Employed No No No
739 XX XX 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 12052.55 N/A Employed No Yes Present
741 XX XX 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 7.726 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11121.17 N/A Employed No No
744 XX XX 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 8.338 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47489.7 N/A Employed No No
748 XX XX 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 8.394 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5301.69 N/A Employed No No
749 XX XX 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 6.874 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 55167.13 N/A Employed No No
752 XX XX 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 7.306 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12722.27 N/A Employed Not Employed No No No
757 XX XX 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 7.754 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3909.02 N/A Employed No No
758 XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No N/A Not Tested No No No No No No No No No Not Tested 0 6.569 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4895.06 N/A Retired No No
760 XX XX 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 No Yes Present
761 XX XX 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 25841.46 N/A Employed No No
763 XX XX ATR/QM: Exempt ATR/QM: Exempt No N/A 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 N/A No Yes Present
764 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
765 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
766 XX XX 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 6.888 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10055.22 N/A Employed Employed No No No
768 XX XX 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 7.059 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20474.49 N/A Employed Employed No No No
770 XX XX 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 3073.6 N/A Employed No Yes Present
775 XX XX 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 382218.87 N/A Employed No No
779 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
786 XX XX 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 7.905 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33946.63 N/A Employed Not Employed No No No
789 XX XX 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 7.628 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9761.73 N/A Employed No No
791 XX XX 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 8.162 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20479.98 N/A Employed No No
793 XX XX 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 6.975 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10875.19 N/A Employed Employed No No No
795 XX XX 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 7.0 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31104.53 N/A Employed Employed No No No
798 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
802 XX XX 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 7.087 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6593.78 N/A Employed No No
803 XX XX 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 14309.96 N/A Employed No Yes Present
804 XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
806 XX XX 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 8.248 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27393.2 N/A Employed No No
809 XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 3624.0 6.739 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32784.55 N/A Employed Employed No No No
811 XX XX 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 6.665 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13044.59 N/A Employed No No