Exhibit 99.24
| Loan Number | Seller Loan ID | Initial Loan Grade | Final Loan Grade | Initial DBRS Loan Grade | Final DBRS Loan Grade | Initial DBRS Credit Loan Grade | Final DBRS Credit Loan Grade | Initial DBRS Compliance Loan Grade | Final DBRS Compliance Loan Grade | Initial DBRS Property Loan Grade | Final DBRS Property Loan Grade | Initial Moody's Loan Grade | Final Moody's Loan Grade | Initial Moody's Credit Loan Grade | Final Moody's Credit Loan Grade | Initial Moody's Compliance Loan Grade | Final Moody's Compliance Loan Grade | Initial Moody's Property Loan Grade | Final Moody's Property Loan Grade | Initial Fitch Loan Grade | Final Fitch Loan Grade | Initial Fitch Credit Loan Grade | Final Fitch Credit Loan Grade | Initial Fitch Compliance Loan Grade | Final Fitch Compliance Loan Grade | Initial Fitch Property Loan Grade | Final Fitch Property Loan Grade | Initial Kroll Loan Grade | Final Kroll Loan Grade | Initial Kroll Credit Loan Grade | Final Kroll Credit Loan Grade | Initial Kroll Compliance Loan Grade | Final Kroll Compliance Loan Grade | Initial Kroll Property Loan Grade | Final Kroll Property Loan Grade | Initial S&P Loan Grade | Final S&P Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Initial S&P Property Loan Grade | Final S&P Property Loan Grade | Originator QM/ATR Status | TPR QM/ATR Status |
| 305175376 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305181959 | XXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191713 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305175054 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305204367 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305144701 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305196127 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305180347 | XXXXX | C | B | C | B | B | B | N/A | N/A | C | A | C | B | B | B | N/A | N/A | C | A | C | B | B | B | N/A | N/A | C | A | C | B | B | B | N/A | N/A | C | A | C | B | B | B | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191574 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305147630 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305169759 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305122744 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305171863 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305192009 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305174121 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305177997 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305180349 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305197042 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305174120 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305195864 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305187903 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305195865 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305173136 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305176132 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305195860 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139700 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139704 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305192011 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305176136 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305181986 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305197035 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305215254 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305197034 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305186575 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305208638 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305202967 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201079 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305210782 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305203921 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305186644 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305096933 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305222194 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305220719 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305189506 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191665 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305225916 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305214208 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226181 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305214090 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305212033 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305211539 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305210763 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194875 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305216541 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305211899 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305220690 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305216745 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305213258 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226004 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305216735 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305206640 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305213228 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305216742 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305195197 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305190714 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305208640 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305207660 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305208648 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305207661 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226180 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226056 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226152 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226532 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305220242 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305213230 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305190522 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305225686 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305213255 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305227372 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305235074 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305234144 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305212036 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305226000 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641856 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304493266 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305078099 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305077923 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305102826 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156693 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305172516 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305102773 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305133946 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305142428 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305120677 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305122627 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305122626 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156533 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156439 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194456 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156572 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305172604 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305142129 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305172500 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305172474 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305197497 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194472 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194339 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194276 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201126 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201268 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201205 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201125 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201124 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201288 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201271 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201232 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201237 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201195 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201265 | XXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201223 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201198 | XXXXX | C | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | C | A | C | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201145 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201127 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201230 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201186 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201274 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201180 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201154 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201155 | XXXXX | D | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | D | A | D | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201147 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305201174 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232770 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232768 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232769 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232765 | XXXXX | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232766 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305106526 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305106524 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305106518 | XXXXX | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | C | B | C | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232763 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232762 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232759 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232758 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232746 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232750 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232760 | XXXXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232753 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232751 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191794 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232761 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232752 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232757 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232755 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232813 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232748 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232812 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232745 | XXXXX | B | B | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | B | B | B | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232754 | XXXXX | D | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232742 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232756 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232743 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232740 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232764 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232744 | XXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232749 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232747 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232767 | XXXXX | D | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | D | B | D | B | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232739 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241213 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241215 | XXXXX | D | B | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | D | B | D | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191817 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305102496 | XXXXX | D | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305176833 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305176839 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305157892 | XXXXX | C | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232790 | XXXXX | D | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232792 | XXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305142119 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305191495 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191486 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191417 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191414 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191413 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191480 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191470 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191462 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191443 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191441 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191440 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191431 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191513 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191512 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191498 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191488 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191478 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191477 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191455 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191446 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191423 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191422 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191420 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191411 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191435 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305172477 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191568 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191472 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191461 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191450 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191436 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191430 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191409 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232806 | XXXXX | C | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | C | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232787 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232799 | XXXXX | D | A | D | A | B | A | C | A | D | A | D | A | B | A | C | A | D | A | D | A | B | A | C | A | D | A | D | A | B | A | C | A | D | A | D | A | B | A | C | A | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232786 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232783 | XXXXX | D | B | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232814 | XXXXX | D | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232805 | XXXXX | C | B | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232800 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232785 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232784 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305191500 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191444 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191403 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191399 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156539 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305157828 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305191499 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191496 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191426 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191404 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305191402 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305191400 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156429 | XXXXX | C | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305172780 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305156499 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305156331 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232807 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232779 | XXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232777 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232776 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305156434 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305194430 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305194408 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305194498 | XXXXX | D | B | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305157797 | XXXXX | B | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305102546 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232804 | XXXXX | D | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | D | A | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232772 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232771 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232788 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232781 | XXXXX | C | B | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232778 | XXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232773 | XXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232791 | XXXXX | D | B | D | B | D | B | D | B | D | A | D | B | D | B | D | B | D | A | D | B | D | B | D | B | D | A | D | B | D | B | D | B | D | A | D | B | D | B | D | B | D | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305232782 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305194215 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305197564 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232797 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305232775 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232801 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305232808 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232774 | XXXXX | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241226 | XXXXX | D | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241224 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241218 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241232 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241227 | XXXXX | C | B | C | B | B | A | C | B | A | A | C | B | B | A | C | B | A | A | C | B | B | A | C | B | A | A | C | B | B | A | C | B | A | A | C | B | B | A | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241222 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305241221 | XXXXX | D | B | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241216 | XXXXX | C | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | C | A | B | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241223 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241220 | XXXXX | C | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241217 | XXXXX | D | B | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241231 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241228 | XXXXX | D | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241230 | XXXXX | D | B | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305241219 | XXXXX | C | B | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232463 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232517 | XXXXX | D | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305241197 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305157855 | XXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305232741 | XXXXX | C | B | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | C | B | C | B | N/A | N/A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |