j.p. morgan acceptance corporation ii ABS-15G
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 |
| 305174304 | 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 |
| 305156234 | 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 |
| 305156233 | 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 |
| 305156232 | 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 |
| 305098042 | 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 |
| 305171200 | 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 |
| 305148457 | 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 |
| 305170573 | 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 |
| 305125613 | 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 |
| 305153893 | 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 |
| 305167426 | 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 |
| 305153891 | 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 |
| 305139317 | 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 |
| 305168013 | 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 |
| 305174302 | 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 |
| 305175136 | 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 |
| 305144697 | 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 |
| 305170555 | 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 |
| 305167960 | 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 |
| 305148461 | 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 |
| 305141947 | 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 |
| 305153892 | 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 |
| 305120094 | 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 |
| 305182551 | 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 |
| 305170576 | 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 |
| 305126365 | 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 |
| 305175081 | 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 |
| 305147629 | 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 |
| 305175080 | 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 |
| 305170578 | 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 |
| 305130546 | 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 |
| 305174242 | 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 |
| 305175095 | 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 |
| 305169843 | 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 |
| 305175076 | 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 |
| 305139320 | 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 |
| 305175077 | 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 |
| 305170551 | XXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305149358 | 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 |
| 305174118 | 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 |
| 305156857 | 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 |
| 305142486 | 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 |
| 305125612 | 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 |
| 305147830 | 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 |
| 305148804 | 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 |
| 305178004 | 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 |
| 305134662 | 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 |
| 305171862 | 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 |
| 305179629 | 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 |
| 305144402 | 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 |
| 305170322 | 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 |
| 305178009 | 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 |
| 305176256 | 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 |
| 305179482 | 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 |
| 305170550 | 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 |
| 305171666 | 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 |
| 305170649 | 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 |
| 305156236 | XXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305153977 | 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 |
| 305100632 | 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 |
| 305177985 | 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 |
| 305175061 | 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 |
| 305175075 | 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 |
| 305179630 | 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 |
| 305176254 | 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 |
| 305155399 | 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 |
| 305155372 | 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 |
| 305153897 | 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 |
| 305176762 | 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 |
| 305174220 | 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 |
| 305149357 | 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 |
| 305087050 | 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 |
| 305133103 | 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 |
| 305148465 | 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 |
| 305175438 | 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 |
| 305175067 | 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 |
| 305144916 | 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 |
| 305148463 | 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 |
| 305170549 | 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 |
| 305133687 | 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 |
| 305156869 | 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 |
| 305180357 | 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 |
| 305170651 | 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 |
| 305171199 | 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 |
| 305171673 | 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 |
| 305176233 | 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 |
| 305178470 | 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 |
| 305144482 | 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 |
| 305177983 | 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 |
| 305176443 | 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 |
| 305179658 | 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 |
| 305176124 | 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 |
| 305174303 | 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 |
| 305085802 | 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 |
| 305183731 | 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 |
| 305133088 | 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 |
| 305157723 | 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 |
| 305175354 | 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 |
| 305176457 | 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 |
| 305176128 | 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 |
| 305175441 | 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 |
| 305183665 | 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 |
| 305179655 | 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 |
| 305182595 | 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 |
| 305170323 | 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 |
| 305187975 | 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 |
| 305167943 | 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 |
| 305176444 | 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 |
| 305178471 | 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 |
| 305179660 | 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 |
| 305174135 | 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 |
| 305176120 | 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 |
| 305180398 | 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 |
| 305173241 | 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 |
| 305174295 | 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 |
| 305170660 | 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 |
| 305178006 | 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 |
| 305120381 | 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 |
| 305170831 | 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 |
| 305175133 | 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 |
| 305175079 | 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 |
| 305175134 | 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 |
| 305169904 | 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 |
| 305186097 | 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 |
| 305186566 | 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 |
| 305182580 | 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 |
| 305175059 | 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 |
| 305103897 | 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 |
| 305173237 | 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 |
| 305176759 | 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 |
| 305174226 | 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 |
| 305155384 | 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 |
| 305183673 | 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 |
| 305190719 | 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 |
| 305180361 | 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 |
| 305181956 | 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 |
| 305145554 | 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 |
| 305176753 | 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 |
| 305186100 | 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 |
| 305180327 | 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 |
| 305184214 | 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 |
| 305175129 | 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 |
| 305155265 | 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 |
| 305142489 | 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 |
| 305142487 | 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 |
| 305136611 | 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 |
| 305186101 | 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 |
| 305175065 | 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 |
| 305175074 | 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 |
| 305155277 | 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 |
| 305173130 | 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 |
| 305187931 | 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 |
| 305153993 | 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 |
| 305147829 | 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 |
| 305148464 | 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 |
| 305178018 | 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 |
| 305142651 | 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 |
| 305179743 | 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 |
| 305137396 | 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 |
| 305193289 | 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 |
| 305181874 | 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 |
| 305186572 | 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 |
| 305178001 | 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 |
| 305178005 | 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 |
| 305185889 | 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 |
| 305177998 | 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 |
| 305175055 | 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 |
| 305183991 | 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 |
| 305183668 | 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 |
| 305175072 | 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 |
| 305186099 | 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 |
| 305178015 | 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 |
| 305186095 | 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 |
| 305175454 | 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 |
| 305155500 | 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 |
| 305183732 | 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 |
| 305101540 | 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 |
| 305144409 | 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 |
| 305153975 | 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 |
| 305136704 | 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 |
| 305153919 | 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 |
| 305181957 | 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 |
| 305153916 | 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 |
| 305186283 | 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 |
| 305174131 | 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 |
| 305190706 | 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 |
| 305140100 | 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 |
| 305190519 | 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 |
| 305153918 | 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 |
| 305185905 | 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 |
| 305153920 | 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 |
| 305173247 | 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 |
| 305153992 | 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 |
| 305175069 | 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 |
| 305147535 | 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 |
| 305183726 | 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 |
| 305133555 | 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 |
| 305082969 | 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 |
| 305188082 | 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 |
| 305153917 | 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 |
| 305192113 | 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 |
| 305183651 | 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 |
| 305175070 | 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 |
| 305148467 | 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 |
| 305183675 | 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 |
| 305183715 | 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 |
| 305197037 | 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 |
| 305153991 | 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 |
| 305190491 | 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 |
| 305190717 | 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 |
| 305191598 | 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 |
| 304321379 | 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 |
| 304398699 | XXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | D | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304393296 | 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 |
| 304678078 | 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 |
| 304684693 | 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 |
| 304728743 | 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 |
| 304685820 | 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 |
| 304766107 | 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 |
| 304813206 | 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 |
| 304780001 | 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 |
| 304828136 | 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 |
| 305121328 | XXXXX | D | B | D | B | C | B | N/A | N/A | D | A | D | B | C | B | N/A | N/A | D | A | D | B | C | B | N/A | N/A | D | A | D | B | C | B | N/A | N/A | D | A | D | B | C | B | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139177 | 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 |
| 305139162 | 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 |
| 305139172 | XXXXX | C | B | C | B | C | A | N/A | N/A | B | B | C | B | C | A | N/A | N/A | B | B | C | B | C | A | N/A | N/A | B | B | C | B | C | A | N/A | N/A | B | B | C | B | C | A | N/A | N/A | B | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139174 | 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 |
| 305139165 | 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 |
| 305139168 | 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 |
| 305139169 | 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 |
| 305139170 | XXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | B | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139173 | XXXXX | C | B | C | B | C | B | N/A | N/A | B | B | C | B | C | B | N/A | N/A | B | B | C | B | C | B | N/A | N/A | B | B | C | B | C | B | N/A | N/A | B | B | C | B | C | B | N/A | N/A | B | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139175 | XXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | B | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139171 | XXXXX | C | B | C | B | C | A | N/A | N/A | B | B | C | B | C | A | N/A | N/A | B | B | C | B | C | A | N/A | N/A | B | B | C | B | C | A | N/A | N/A | B | B | C | B | C | A | N/A | N/A | B | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305139166 | 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 |
| 305139167 | 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 |
| 305121310 | 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 |
| 305121265 | 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 |
| 305121302 | 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 |
| 305121315 | 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 |
| 305139249 | 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 |
| 305139142 | XXXXX | D | B | D | B | C | B | N/A | N/A | D | A | D | B | C | B | N/A | N/A | D | A | D | B | C | B | N/A | N/A | D | A | D | B | C | B | N/A | N/A | D | A | D | B | C | B | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305121269 | 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 |
| 305139135 | 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 |
| 305139244 | 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 |
| 305121238 | 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 |
| 305139213 | 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 |
| 305139207 | 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 |
| 305139182 | 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 |
| 305139215 | 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 |
| 305139256 | 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 |
| 305121274 | 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 |
| 305139218 | 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 |
| 305139137 | 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 |
| 304779682 | 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 |
| 304779636 | 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 |
| 304779670 | 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 |
| 305157920 | 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 |
| 305157816 | 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 |
| 305157919 | XXXXX | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305128430 | 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 |
| 305102789 | 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 |
| 305128334 | 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 |
| 305128246 | 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 |
| 305120672 | 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 |
| 305120660 | 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 |
| 305120755 | 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 |
| 305120593 | 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 |
| 305142374 | 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 |
| 305134135 | 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 |
| 305128117 | 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 |
| 305128107 | 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 |
| 305134137 | 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 |
| 305156722 | 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 |
| 305134081 | 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 |
| 305128087 | 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 |
| 305156579 | 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 |
| 305156702 | 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 |
| 305128221 | 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 |
| 305142354 | 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 |
| 305142353 | 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 |
| 305088300 | 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 |
| 305156709 | 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 |
| 305120618 | 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 |
| 305128236 | 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 |
| 305156649 | 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 |
| 305142259 | 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 |
| 305122632 | 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 |
| 305134093 | 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 |
| 305088796 | 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 |
| 305134031 | 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 |
| 305156600 | 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 |
| 305156464 | 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 |
| 305172806 | 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 |
| 305156305 | 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 |
| 305172573 | 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 |
| 305172572 | 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 |
| 305156428 | 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 |
| 305142331 | 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 |
| 305134111 | 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 |
| 305156647 | 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 |
| 305172714 | 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 |
| 305156728 | 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 |
| 305156727 | 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 |
| 305156725 | 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 |
| 305172561 | 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 |
| 305186435 | 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 |
| 305172678 | 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 |
| 305156282 | 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 |
| 305172680 | 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 |
| 305134019 | 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 |
| 305172679 | 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 |
| 304871905 | 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 |
| 305085157 | 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 |
| 305102758 | 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 |
| 305085071 | 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 |
| 305102825 | 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 |
| 305120693 | 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 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305095162 | 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 |
| 305088633 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305120709 | 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 |
| 305154080 | 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 |
| 305154124 | 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) |
| 305154122 | 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) |
| 305154109 | XXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154097 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305154047 | 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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154030 | 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) |
| 305154029 | 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 |
| 305120624 | 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 |
| 305134143 | 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 |
| 305133904 | XXXXX | C | B | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305142312 | 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 |
| 305134004 | 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 |
| 305128336 | 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 | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors |
| 305154128 | 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 |
| 305154121 | 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) |
| 305154116 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154107 | 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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154100 | 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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154099 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305154088 | 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 |
| 305154081 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | ATR/QM: Exempt | QM: Safe Harbor APOR (APOR SH) |
| 305154071 | 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 |
| 305154068 | XXXXX | D | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154043 | 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 | QM: Safe Harbor APOR (APOR SH) |
| 305154038 | XXXXX | C | B | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305154022 | 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 |
| 305128367 | 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 |
| 305134152 | 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 |
| 305142264 | 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 |
| 305133959 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305134182 | 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 |
| 305120595 | 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 |
| 305155572 | 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 |
| 305155566 | XXXXX | D | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305155560 | 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 |
| 305154131 | 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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154110 | XXXXX | C | B | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305154074 | 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) |
| 305154073 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305154057 | 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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154035 | 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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305154028 | XXXXX | B | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305154027 | 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) |
| 305154025 | 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) |
| 305134222 | 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 |
| 305142201 | 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 |
| 305155609 | 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 |
| 305142154 | 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 |
| 305133984 | 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 |
| 305176959 | 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 |
| 305176933 | 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 |
| 305176859 | 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 |
| 305176820 | 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 |
| 305157910 | 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 |
| 305176952 | 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 |
| 305176905 | 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 |
| 305176862 | 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 |
| 305176816 | 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 |
| 305176814 | 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 |
| 305156663 | 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 |
| 305156626 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305157810 | 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 |
| 305176946 | 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 |
| 305176945 | 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 |
| 305176941 | 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 |
| 305176936 | 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 |
| 305176910 | 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 |
| 305176871 | 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 |
| 305176864 | 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 |
| 305176829 | 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 |
| 305176819 | 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 |
| 305176904 | 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 |
| 305142137 | XXXXX | C | B | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | C | B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305176960 | 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 |
| 305176955 | 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 |
| 305176898 | 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 |
| 305176897 | 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 |
| 305176891 | 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 |
| 305176885 | 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 |
| 305176883 | 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 |
| 305176881 | 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 |
| 305176880 | 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 |
| 305176878 | 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 |
| 305176874 | 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 |
| 305176870 | 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 |
| 305176868 | 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 |
| 305176835 | 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 |
| 305176830 | 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 |
| 305176818 | 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 |
| 305120726 | 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 |
| 305133986 | 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 |
| 305128287 | 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 |
| 305157917 | 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 |
| 305134068 | 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 |
| 305156641 | 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 |
| 305142432 | 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 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305176965 | 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 |
| 305176958 | 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 |
| 305176953 | 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 |
| 305176932 | XXXXX | 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 | C | B | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305176922 | 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 |
| 305176919 | 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 |
| 305176832 | 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 |
| 305176831 | 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 |
| 305176826 | 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 |
| 305176822 | 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 |
| 305134101 | 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 |
| 305134051 | 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 |
| 305176957 | 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 |
| 305176927 | 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 |
| 305176847 | 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 |
| 305176843 | 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 |
| 305176842 | 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 |
| 305176828 | 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 |
| 305176815 | 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 |
| 305156545 | 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 |
| 305156700 | 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 |
| 305157890 | 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 |
| 305134138 | XXXXX | C | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305176966 | 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 |
| 305176951 | 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 |
| 305176884 | 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 |
| 305176872 | 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 |
| 305176865 | 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 |
| 305176860 | 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 |
| 305176857 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305176841 | 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 |
| 305176837 | 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 |
| 305176834 | 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 |
| 305156523 | 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 |
| 305176962 | 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 |
| 305176937 | 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 |
| 305176846 | 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 |
| 305176845 | 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 |
| 305176827 | 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 |
| 305176825 | 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 |
| 305176823 | 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 |
| 305176811 | 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 |
| 305156557 | 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 |
| 305142219 | 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 |
| 305134195 | 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 |
| 305157914 | 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 |
| 305157907 | 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 |
| 305157903 | 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 |
| 305142327 | 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 |
| 305157921 | 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 |
| 305157909 | XXXXX | B | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305157904 | 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 |
| 305172743 | 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 |
| 305133991 | 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 |
| 305157882 | 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 |
| 305157817 | 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) | Non-QM: Lender documented all ATR UW factors |
| 305156384 | 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 |
| 305172711 | XXXXX | D | B | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305156381 | 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 |
| 305156592 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305142155 | 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 |
| 305172735 | XXXXX | C | B | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305133970 | 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 |
| 305128259 | 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 |
| 305156419 | 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 |
| 305157918 | XXXXX | C | B | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305172602 | 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 |
| 305102537 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305157875 | XXXXX | C | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305157854 | 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 |
| 305157850 | 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 |
| 305157863 | 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 |
| 305157865 | 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 |
| 305157874 | 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 |
| 305157864 | 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 |
| 304695186 | XXXXX | 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 | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304905135 | 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 |
| 304907307 | 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 |
| 304875228 | 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 |
| 304875281 | XXXXX | 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 | C | B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304904407 | 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 |
| 304889705 | 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 |
| 304871439 | 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) | ATR/QM: Exempt |
| 304893451 | 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 |
| 304873996 | 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 |
| 304894541 | 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 |
| 304909808 | XXXXX | D | B | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304898907 | 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 |
| 304876077 | 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 |
| 305028429 | 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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304909455 | 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 |
| 305027320 | XXXXX | 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 | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029298 | XXXXX | D | B | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | D | B | D | A | B | B | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305095356 | 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 |
| 305088849 | 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 |
| 305128480 | 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 |