Exhibit 99.03 Schedule 7
| Loan ID | Redaction ID | Seller Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? | TRID tested? |
| XXXX | 4000054465 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 13640 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11863.49 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000095441 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25810.01 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000097890 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10675 | 6.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15407.27 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000093699 | XXXX | XXXX | 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 | No | ||||||||||
| XXXX | 4000103639 | XXXX | XXXX | 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 | Yes | N/A | N/A | 31613.6 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000112803 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 12695 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 64962.11 | N/A | Employed | Not Employed | No | No | No | Yes | ||
| XXXX | 4000113430 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8440 | 6.455 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5399.42 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000119387 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | No | No | Yes | No | No | No | No | No | No | No | No | 6231.51 | 7.683 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8010.07 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000123094 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 54496.63 | Yes | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000123424 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 5790 | 7.135 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9218.73 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000122262 | XXXX | XXXX | 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 | 14960.29 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000113359 | XXXX | XXXX | 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 | Yes | N/A | N/A | 13070.04 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000127133 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7170 | 6.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9926.79 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000125188 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10700 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9782.66 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000127360 | XXXX | XXXX | 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 | 693066.34 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000124823 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6635.3 | 6.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42677.66 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000128741 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8390 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 20382.15 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000129269 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6638.39 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000129514 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 10490 | 7.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14343.67 | N/A | Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000127131 | XXXX | XXXX | 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 | 133608.56 | Yes | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000126706 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.56 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7068.72 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130252 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6640 | 6.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9608.76 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130284 | XXXX | XXXX | 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 | 17770 | 7.871 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32890.15 | N/A | Employed | Employed | No | No | No | Yes | |
| XXXX | 4000138754 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000128742 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6904.19 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000129501 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7655 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13387.9 | Yes | Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000130247 | XXXX | XXXX | 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 | 8729.64 | N/A | Not Employed | Employed | No | No | Yes | Present | No | ||||||
| XXXX | 4000129503 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10830 | 6.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5348.7 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130916 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11435 | 6.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12574.98 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130946 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 7.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34251.92 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130029 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 14990 | 6.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13025.38 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000130264 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 5290 | 7.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4510.55 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000130909 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2490 | 7.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 43871.41 | Yes | Employed | No | No | Yes | |||
| XXXX | 4000130269 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5542 | 6.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4740.39 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130266 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10740 | 6.881 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6703.55 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130926 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5179 | 7.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7088.13 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130022 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11495 | 6.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12885.08 | N/A | Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000130914 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | No | No | Yes | No | No | No | No | No | No | No | No | 2690 | 7.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 36759.76 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130007 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9562.5 | 6.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23256.22 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130033 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8235 | 6.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11134.46 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130014 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2785 | 6.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10585.32 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130275 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4525 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6379.45 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130016 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 21495 | 6.853 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33292.83 | Yes | Not Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000128763 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2390 | 7.013 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5047.9 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130943 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5694 | 6.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3569.17 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130273 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11995 | 6.63 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15559.01 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130270 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 7750 | 6.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13768.53 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130248 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7267.5 | 6.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3850.08 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130253 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000130933 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1995 | 6.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21708.14 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130925 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000131487 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000131493 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6609 | 6.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5292.67 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000130923 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11561 | 7.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16761.61 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000131496 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6345 | 7.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8796.36 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130937 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 7.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17625.19 | Yes | Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000131499 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 7620 | 6.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5213.88 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000132961 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 7626 | 6.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5334.38 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000130936 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 11640 | 6.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12056.56 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000132963 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 3495 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5021.4 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000132441 | XXXX | XXXX | 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 | 15549.08 | Yes | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000131490 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2495 | 7.549 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22470.5 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000132960 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6437.75 | 6.549 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5278.42 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000132965 | XXXX | XXXX | 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 | 39529.51 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000131494 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4995 | 6.434 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 5411.44 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000131495 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5085 | 6.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3899.2 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130254 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | Yes | 14258.07 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000132966 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3085 | 7.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8361.23 | N/A | Employed | No | No | Yes | |||
| XXXX | 4000130258 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2445 | 6.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11860.29 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000130257 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8935 | 6.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6361.69 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130267 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 7.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6218.22 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000130250 | XXXX | XXXX | 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 | No | ||||||||||
| XXXX | 4000130932 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8765 | 6.266 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8387.92 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000131492 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 23115 | 7.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23124.77 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130020 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8771 | 6.828 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6429.68 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130915 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | No | No | Yes | No | No | No | No | No | No | No | No | 14490 | 7.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35001.06 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130938 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1995 | 6.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4494.25 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133198 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7357.5 | 6.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16713.04 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130922 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5770 | 6.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4625.08 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000132964 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000132967 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2190 | 6.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5952.57 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000132962 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.732 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6229.09 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000130919 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000130941 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 15210 | 6.835 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 16136.73 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133375 | XXXX | XXXX | 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 | No | Yes | Present | No | |||||||||||
| XXXX | 4000130945 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4868.75 | 7.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4724.9 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000131488 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4990 | 7.288 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21318.8 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133379 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 12225 | 7.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7683.29 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133953 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7910 | 6.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6698.48 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000130939 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2240 | 6.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13493.03 | N/A | Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000130918 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7812 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7467.45 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000131486 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4075 | 7.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10382.58 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000133966 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 50154.35 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000133970 | XXXX | XXXX | 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 | Yes | N/A | No | Yes | Yes | 87663.7 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000133967 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2390 | 6.734 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5294.93 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133950 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9969 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7754.12 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000131491 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5765 | 6.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5395.44 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133392 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 13870 | 7.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21650.16 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000131489 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8315 | 7.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3932.99 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133951 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | Yes | Yes | 7691.43 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000133378 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6658.75 | 6.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13156.34 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133952 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10341 | 6.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7763.1 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000133957 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 11525 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4112.86 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133393 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1495 | 7.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13012.03 | N/A | Employed | No | No | Yes | |||
| XXXX | 4000133377 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4745 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9089.53 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000134409 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8790 | 6.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8950.06 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133958 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8775 | 6.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8965.56 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000134400 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5532.5 | 7.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4225.6 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000134403 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5500 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5218.12 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133380 | XXXX | XXXX | 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 | 20962.56 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000133962 | XXXX | XXXX | 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 | 6933 | 6.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3683.84 | N/A | Employed | No | No | Yes | |||
| XXXX | 4000134408 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 6435 | 6.829 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 4671.01 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000133961 | XXXX | XXXX | 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 | 5225.93 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000133968 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7845 | 6.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9589.38 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133969 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 10790 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9053.16 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000134401 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000134410 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000133955 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5455 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10563.24 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000134405 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8420 | 7.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12016.45 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133954 | XXXX | XXXX | 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 | 5304.27 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000133959 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5390 | 6.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85295.22 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133963 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000134413 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10727.45 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000134412 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 50298.12 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133965 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 7667 | 6.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8102.23 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133964 | XXXX | XXXX | 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 | 23318.81 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000134404 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 12015 | 6.854 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 13660.63 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133956 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 12745 | 6.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13755.39 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000134402 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 20310 | 6.752 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 33084.15 | Yes | Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000134406 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 9490 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8179.52 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133376 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 13410 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18835.42 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000131483 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000135427 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000135428 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7715 | 6.958 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4791.47 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135424 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4579.49 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4906.27 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135423 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7315 | 6.732 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4670.87 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000134407 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2490 | 7.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6747.76 | N/A | Employed | No | No | Yes | |||
| XXXX | 4000135429 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000135439 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 11095 | 7.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9767.46 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135438 | XXXX | XXXX | 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 | No | Yes | Present | No | |||||||||||
| XXXX | 4000135426 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4745 | 6.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6234.92 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135436 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 16075 | 7.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13309.69 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135425 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 7795 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7346.26 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135617 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10495 | 7.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8719.47 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135432 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1495 | 7.864 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14455.78 | N/A | Employed | No | No | Yes | |||
| XXXX | 4000135519 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2495 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9875.79 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000133960 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4295 | 6.423 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12508.28 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135435 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000134347 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000134377 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000137442 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | 21120.87 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000137445 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4995 | 6.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12795.23 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000134414 | XXXX | XXXX | 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 | No | ||||||||||
| XXXX | 4000134411 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 7.396 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42112.12 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000137439 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7260.79 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000128823 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000135430 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 7.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28371.27 | N/A | Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000137432 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13070.45 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000135518 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 5414 | 7.138 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13236.73 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000137449 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 14445 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11765.82 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000137436 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34972.25 | Yes | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000137435 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 20878 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000137448 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4312 | 6.609 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7789.63 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000138237 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 10140 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10516.69 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000138238 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 30240 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22314.39 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000135721 | XXXX | XXXX | 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 | No | ||||||||||
| XXXX | 4000131897 | XXXX | XXXX | 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 | No | ||||||||
| XXXX | 4000133894 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000138236 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2790 | 7.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7908.42 | N/A | Employed | No | No | Yes | |||
| XXXX | 4000138235 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 3340 | 6.953 | Yes | Yes | N/A | N/A | Yes | Yes | N/A | Yes | Yes | Yes | 3746.17 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000137450 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8853 | 7.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7779.43 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000136523 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000137453 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 8250 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4839.07 | N/A | Employed | No | No | Yes | ||||
| XXXX | 4000135619 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 2390 | 7.317 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 48826.18 | N/A | Not Employed | Employed | No | No | No | Yes | ||
| XXXX | 4000137129 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 10460 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8319.31 | Yes | Not Employed | Not Employed | No | No | No | Yes | ||
| XXXX | 4000137396 | XXXX | XXXX | 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 | 31956.6 | 7.742 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32331.09 | Yes | Employed | No | No | Yes | |||
| XXXX | 4000135052 | XXXX | XXXX | 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 | No | ||||||||||
| XXXX | 4000137451 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 9390 | 7.826 | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | 8852.51 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000136272 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000137429 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000137154 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000135019 | XXXX | XXXX | 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 | 50955.82 | N/A | Employed | No | Yes | Present | No | ||||||||
| XXXX | 4000134631 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000138705 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000137664 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 8895 | 7.229 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 13990.41 | N/A | Not Employed | No | No | Yes | ||||
| XXXX | 4000140161 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000140713 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000138553 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000142015 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 14355 | 7.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12686.74 | Yes | Employed | No | No | Yes | ||||
| XXXX | 4000141111 | XXXX | XXXX | 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 | No | |||||||||||
| XXXX | 4000143035 | XXXX | XXXX | 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 | No |