Exhibit 99.5 Schedule 2

 

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 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?
147 XX 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
146 XX 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
142 XX 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
143 XX 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
247 XX 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
167 XX 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 Yes Yes Present
188 XX 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 Yes N/A N/A No No Yes Present
220 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A Yes N/A N/A Yes N/A N/A Yes N/A N/A 129666.94 Yes Employed Employed No No Yes Present
181 XX 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
224 XX XX XX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No No No Yes No No No No No No No No 8603 8.374 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 20656.28 N/A Employed No No
234 XX XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 5395 6.829 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 2141.04 Yes Employed No No
196 XX 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
162 XX 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
195 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No No No No No Yes No No No Not Tested N/A Yes N/A Yes N/A N/A N/A N/A N/A N/A 14620.23 Yes Employed No Yes Present
163 XX 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
176 XX 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
239 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A Yes Yes N/A N/A N/A N/A N/A No Yes Present
223 XX 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
197 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A Yes N/A Yes N/A N/A N/A N/A N/A N/A No Yes Present
187 XX 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
228 XX 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
193 XX 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
150 XX 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
185 XX 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
139 XX 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 Yes Yes Present
153 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No No No No No Yes No No No Not Tested N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
200 XX 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
189 XX 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
138 XX 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 Yes Yes Present
165 XX 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
246 XX 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
179 XX 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
205 XX 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
215 XX 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
164 XX 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 Yes N/A N/A No Yes Present
191 XX 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 1500 Yes No No Yes Present
218 XX 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 132633.92 Yes Employed No Yes Present
157 XX 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
226 XX 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
231 XX XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 21246.9 8.573 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26768.18 Yes Employed No No
178 XX 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
240 XX 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 12555 7.645 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 14811.55 Yes Employed No No
177 XX 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
151 XX 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
152 XX 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
217 XX 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
158 XX 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
235 XX 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
171 XX 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
173 XX 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 Yes N/A N/A No Yes Present
198 XX 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
209 XX 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
213 XX 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 Yes N/A N/A N/A N/A N/A No Yes Present
183 XX 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 23275 7.652 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60075.14 Yes Employed No No
154 XX 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
186 XX 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 16795 7.812 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 23433.5 Yes Employed No No
242 XX 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
237 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A Yes Yes N/A N/A N/A N/A N/A Yes Yes Present
190 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No No No No Yes Yes No No No Not Tested N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
192 XX 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 31332.5 8.208 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15508.41 Yes Employed Employed No No No
194 XX 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 17195 7.684 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8960.83 Yes Employed No No
175 XX 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
159 XX 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
222 XX 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
184 XX 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
169 XX XX XX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No No Yes Yes No No No No No No No No 20195 8.057 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9122.1 Yes Employed No No
182 XX 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
249 XX 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
170 XX 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
203 XX 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
206 XX 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
166 XX 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 19064.67 Yes Employed No Yes Present
236 XX 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
156 XX 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
140 XX 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
212 XX 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 44446.78 Yes Employed No Yes Present
230 XX XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 13850 8.764 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5014.09 Yes Employed Not Employed No No No
199 XX 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 12195 7.103 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24060.61 Yes Employed No No
210 XX 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
161 XX 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
225 XX 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 17363 7.669 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16025.43 Yes Employed No No
245 XX 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
137 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A Yes N/A N/A N/A N/A N/A N/A 9125.97 Yes Employed No Yes Present
145 XX 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
174 XX 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 28095 6.545 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 37034.12 Yes Employed No No
202 XX 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 57140 8.157 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24875.54 Yes Employed No No
243 XX XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 18697.4 7.482 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12422.16 Yes Employed Employed No No No
141 XX 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
149 XX 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 11675 7.118 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 125664.53 Yes Employed No No
248 XX 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
204 XX XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only Yes No Yes No No Yes No No No No No 26995 8.873 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 28829.76 N/A Employed No No
160 XX 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 14995 7.093 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16874.96 N/A Employed No No
233 XX 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 17350 7.091 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10783.39 Yes Employed No No
229 XX XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes No No No No No No No No No 65320 8.89 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 64971.37 Yes Employed No No
238 XX XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 128195 8.417 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 50832.37 Yes Employed No No
172 XX 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 16890 6.669 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 11369.32 N/A Employed No No
168 XX 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
214 XX 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
148 XX 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
155 XX 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
219 XX 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
221 XX 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 Yes Yes Present
211 XX 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
232 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A Yes N/A N/A N/A N/A N/A N/A Yes Yes Present
207 XX 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 32195 6.625 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 46467.03 Yes Employed No No
216 XX 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
201 XX 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 Yes N/A N/A N/A N/A 10487.56 Yes Employed No Yes Present
208 XX 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
241 XX 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
144 XX 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 Yes Yes Present
227 XX XX XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 48790 7.269 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 95013.46 Yes Employed No No
180 XX 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
244 XX 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 22861.4 7.781 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19593.94 Yes Employed Not Employed No No No