Hildene-CCC Depositor II, LLC ABS-15G
Exhibit 99.5 - Schedule 4
| ALT Loan ID | Loan 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 DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| HILD2026NQM1-251 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-252 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-253 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.037 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-254 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-255 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-256 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-257 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.959 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-258 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.789 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | |||
| HILD2026NQM1-259 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-260 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-261 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.422 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-262 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.067 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-263 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-264 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.348 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-265 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-266 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.75 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-267 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-268 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-269 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.006 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-270 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.933 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-271 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.863 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-272 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.118 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-273 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.28 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-274 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-275 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.695 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-276 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.976 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-277 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-278 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-279 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-280 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-281 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-282 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.846 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-283 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.32 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-284 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-285 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.938 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-286 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.959 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | |||
| HILD2026NQM1-287 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.885 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-288 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-289 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.144 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-290 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.851 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-291 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.136 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-292 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.021 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-293 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.119 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-294 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.602 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-295 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.343 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-296 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.837 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | |||
| HILD2026NQM1-297 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-298 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.742 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-299 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.838 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-300 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.368 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-301 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.585 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-302 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.457 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-303 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.18 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-304 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.887 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-305 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-306 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-307 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.736 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-308 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-309 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.479 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-310 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.271 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-311 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.325 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-312 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-313 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-314 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.963 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-315 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.988 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-316 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.847 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-317 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.342 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-318 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.358 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-319 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.244 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-320 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.025 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-321 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.116 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-322 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.961 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-323 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-324 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-325 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.014 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-326 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.731 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-327 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.346 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-328 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.301 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-329 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.082 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-330 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-331 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.354 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No | |||
| HILD2026NQM1-332 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.551 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-333 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-334 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.167 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-335 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.056 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-336 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.952 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-337 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.11 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | |||
| HILD2026NQM1-338 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-339 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.671 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | ||
| HILD2026NQM1-340 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.14 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | No | No | ||||
| HILD2026NQM1-341 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.989 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-342 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-343 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-344 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.034 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-345 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.792 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | ||
| HILD2026NQM1-346 | XXXXXXXX | XXXXXXXX | XX/XX/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 | No | Yes | Present | ||||||||||
| HILD2026NQM1-347 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.942 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | ||
| HILD2026NQM1-348 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-349 | XXXXXXXX | XXXXXXXX | XX/XX/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 | Yes | Yes | Present | |||||||||||
| HILD2026NQM1-350 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.942 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-351 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.225 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-352 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present | |
| HILD2026NQM1-353 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-354 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-355 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.075 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | No | No | ||||
| HILD2026NQM1-356 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.373 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-357 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present | |
| HILD2026NQM1-358 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 7.625 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | No | Yes | Present | |||||
| HILD2026NQM1-359 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.807 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-360 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.009 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | Employed | No | No | No | ||
| HILD2026NQM1-361 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.202 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | ||
| HILD2026NQM1-362 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-363 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.852 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | No | No | No | |||
| HILD2026NQM1-364 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.277 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-365 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-366 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-367 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-368 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-369 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.222 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No | ||
| HILD2026NQM1-370 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | Yes | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present | |
| HILD2026NQM1-371 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.491 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-372 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Not Employed | No | No | Yes | Present | |
| HILD2026NQM1-373 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.52 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-374 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.093 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | No | No | ||||
| HILD2026NQM1-375 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | |||
| HILD2026NQM1-376 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.048 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-377 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-378 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.122 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | Employed | No | No | No | ||
| HILD2026NQM1-379 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present | |
| HILD2026NQM1-380 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.846 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | ||
| HILD2026NQM1-381 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.91 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-382 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Not Employed | Employed | No | No | Yes | Present | |
| HILD2026NQM1-383 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.679 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Retired | No | No | ||||
| HILD2026NQM1-384 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.142 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-385 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-386 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.924 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No | |||
| HILD2026NQM1-387 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.028 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No | |||
| HILD2026NQM1-388 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.338 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-389 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-390 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-391 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-392 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-393 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-394 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.541 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | |||
| HILD2026NQM1-395 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-396 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.23 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-397 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-398 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 9.523 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-399 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | Yes | No | No | No | No | Not Tested | 0 | 9.249 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-400 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.46 | Yes | N/A | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Retired | No | No | |||||
| HILD2026NQM1-401 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-402 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.048 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | |||
| HILD2026NQM1-403 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.688 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Retired | Employed | No | No | No | |||
| HILD2026NQM1-404 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.27 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-405 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.897 | Yes | N/A | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Retired | No | No | ||||
| HILD2026NQM1-406 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | |||
| HILD2026NQM1-407 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.64 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-408 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-409 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-410 | XXXXXXXX | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-411 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.786 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-412 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-413 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-414 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-415 | XXXXXXXX | XX/XX/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 | Yes | Yes | Present | ||||||||||||
| HILD2026NQM1-416 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-417 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-418 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-419 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-420 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-421 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.964 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | |||
| HILD2026NQM1-422 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.51 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-423 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | No | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.559 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | No | Yes | Present | ||||||
| HILD2026NQM1-424 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | Yes | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present | ||
| HILD2026NQM1-425 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.99 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Not Employed | Employed | No | No | No | |||
| HILD2026NQM1-426 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-427 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-428 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.253 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-429 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-430 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-431 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-432 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-433 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-434 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-435 | XXXXXXXX | XX/XX/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 | Yes | Yes | Present | ||||||||||||
| HILD2026NQM1-436 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-437 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-438 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-439 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-440 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-441 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-442 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.969 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | No | No | |||||
| HILD2026NQM1-443 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-444 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.035 | Yes | N/A | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Not Employed | No | No | |||||
| HILD2026NQM1-445 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-446 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-447 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-448 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-449 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | Yes | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | ||||
| HILD2026NQM1-450 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.165 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | No | XXXXXXXX | $X,XXX.XX | Yes | Employed | Employed | No | No | No | |||
| HILD2026NQM1-451 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-452 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-453 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-454 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-455 | XXXXXXXX | XX/XX/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 | |||||||||||
| HILD2026NQM1-456 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.16 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | No | No | |||||
| HILD2026NQM1-457 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-458 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.859 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | Employed | No | No | No | |||
| HILD2026NQM1-459 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-460 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.463 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-461 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-462 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.924 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | Yes | Employed | No | No | |||||
| HILD2026NQM1-463 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-464 | XXXXXXXX | XX/XX/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 | ||||||||||||
| HILD2026NQM1-465 | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.831 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | ||||
| HILD2026NQM1-466 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.059 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-467 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||
| HILD2026NQM1-468 | XXXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.006 | Yes | Yes | N/A | XXXXXXXX | XXXXXXXX | XXXXXXXX | N/A | Yes | Yes | XXXXXXXX | $X,XXX.XX | N/A | Employed | No | No | |||||
| HILD2026NQM1-469 | XXXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | Yes | No | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present |