Exhibit 99.2 Schedule 6

 

Marketing ID Loan ID Seller Loan ID Investor Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
2 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.663 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6049.12 N/A Employed No No
3 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.898 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1066.98 N/A Employed No No
6 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.689 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24219.33 N/A Employed No No
8 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.071 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28496.7 N/A Employed No No
9 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.369 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4382.71 N/A Employed No No
10 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 34958.59 N/A Employed No Yes Present
11 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 36332.13 N/A Employed Employed No No Yes Present
12 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.432 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 116884.99 N/A Employed Not Employed No No No
16 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.462 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 182561.76 N/A Employed No No
17 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes Not Tested No No Yes No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 6194.3 N/A Employed No Yes Present
22 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
24 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.589 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2802.65 N/A Employed No No
Dropped XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 62073.55 N/A Employed No Yes Present
25 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
29 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.287 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6230.29 N/A Employed Employed No No No
31 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.414 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42430.82 N/A Employed No No
38 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
39 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
40 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.831 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26079.19 N/A Employed No No
46 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.492 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5601.45 N/A Not Employed Not Employed No No No
49 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.728 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10269.3 N/A Not Employed Employed No No No
50 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.462 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 82035.24 N/A Employed Not Employed No No No
51 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.77 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17764.25 N/A Employed Employed No No No
55 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
57 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.89 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16205.29 N/A Employed No No
58 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
60 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.683 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 9740.25 N/A Employed No No
61 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 13301.57 N/A Employed No Yes Present
63 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
67 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.148 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19517.7 N/A Employed No No
70 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.94 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9487.68 N/A Employed Employed No No No
71 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
72 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 6.378 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12420.43 N/A Employed No No
74 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
75 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.683 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20478.22 N/A Employed Employed No No No
77 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 9182.17 N/A Employed No Yes Present
78 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
80 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
81 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.571 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8507.82 N/A Not Employed No No
83 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 9771.4 N/A Employed Employed No No Yes Present
84 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.777 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4275.26 N/A Retired No No
86 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 227424.38 N/A Employed Not Employed No No Yes Present
87 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 7.906 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 104543.23 N/A Employed No No
89 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.932 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15005.69 N/A Employed No No
90 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.22 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18803.25 N/A Employed No No
91 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 17784.44 N/A Employed No Yes Present
93 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.218 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16954.83 N/A Employed Employed No No No
95 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.321 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8831.82 N/A Employed Employed No No No
96 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.318 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10125.19 N/A Employed Not Employed No No No
98 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 6.724 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 49728.65 N/A Employed Employed No No No
99 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
100 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10582 N/A Employed No No
101 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.973 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18759.73 N/A Employed No No
103 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.693 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 51281.05 N/A Employed Not Employed No No No
104 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.833 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11580.4 N/A Employed Employed No No No
105 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
107 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.251 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16213.36 N/A Employed No No
108 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.788 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12268.56 N/A Employed Not Employed No No No
114 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
115 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
116 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.937 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13392.56 N/A Employed No No
117 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 57842.85 N/A Employed No Yes Present
118 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.74 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20938.2 N/A Retired No No
120 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
121 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 62269.28 N/A Employed No Yes Present
122 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 9.307 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24967.28 N/A Employed Not Employed No No No
124 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
126 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
128 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.088 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 52296.17 N/A Employed No No
129 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.102 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 87029.4 N/A Employed Employed No No No
130 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
135 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
137 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes Yes No No No No No No No Not Tested 0 8.913 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9519.99 N/A Employed No No
139 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.643 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16691.02 N/A Employed Employed No No No
143 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 11693.93 N/A Employed Retired No No Yes Present
145 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.924 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4553.71 N/A Employed No No
146 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.056 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16919.94 N/A Employed Employed No No No
149 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.839 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2862.32 N/A Retired No No
150 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 10211.66 N/A Retired No Yes Present
152 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
155 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 9.473 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13473.3 N/A Employed No No
157 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.97 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22146.49 N/A Employed Employed No No No
161 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
427 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 6.899 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 236094.05 N/A Employed No No
428 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
429 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.246 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20516.52 N/A Employed No No
430 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
431 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.424 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27699.13 N/A Employed No No
432 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
436 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.985 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6559 N/A Employed No No
439 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 4068.75 N/A Employed No Yes Present
441 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 8.95 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 53028.36 N/A Employed No No
442 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.072 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15053.06 N/A Employed Retired No No No
443 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 74432.11 N/A Employed No Yes Present
444 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 42605.34 N/A Employed Employed No No Yes Present
445 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 9.468 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22717.64 N/A Employed No No
450 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
451 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.87 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11709.53 N/A Employed No No
452 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
453 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.51 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11104.43 N/A Employed Retired No No No
454 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 9748.89 N/A Employed Employed No No Yes Present
455 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.973 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 44857.21 N/A Employed Not Employed No No No
458 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.882 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6416.44 N/A Employed No No
459 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.326 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17216.19 N/A Employed No No
460 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
461 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
462 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
463 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 7.68 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12919.37 N/A Retired Retired No No No
464 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 7.175 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35761.27 N/A Employed No No
465 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
470 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
471 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
473 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.102 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11608.41 N/A Employed No No
474 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.632 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 181624.92 N/A Employed Employed No No No
475 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 8.833 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16789.83 N/A Employed No No
476 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
479 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 18204.53 N/A Employed Retired No No Yes Present
480 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.984 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28083.92 N/A Employed Employed No No No
483 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.676 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15913.81 N/A Retired Retired No No No
485 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
486 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.041 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11568.32 N/A Employed No No
488 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
490 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
492 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.927 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8568.95 N/A Employed No No
493 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.173 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 43123.51 N/A Employed Employed No No No
495 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 7.124 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11870.68 N/A Not Employed Not Employed No No No
497 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
498 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.586 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11990.42 N/A Employed No No
499 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.882 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22544.81 N/A Employed No No
500 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.046 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27435.41 N/A Employed No No
501 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.736 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5142.85 N/A Employed No No
502 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7808.7 N/A Employed No No
503 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.623 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8337.66 N/A Employed No No
504 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.167 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15528.53 N/A Employed No No
507 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
509 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
511 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
512 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.878 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7313.43 N/A Employed No No
513 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.25 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 112745.75 N/A Employed No No
514 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.967 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21347.92 N/A Employed No No
515 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 8.247 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22149.49 N/A Employed No No
516 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
521 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
523 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.588 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 63140.1 N/A Employed No No
524 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.628 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 3068.75 N/A Retired Retired No No No
528 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.932 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 38408.2 N/A Employed No No
529 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.803 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21218.62 N/A Employed No No
530 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
531 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.256 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 115914.57 N/A Employed No No
532 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.122 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10748.57 Yes Employed No No
533 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 188354.98 N/A Employed No Yes Present
534 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.374 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7864.03 N/A Retired No No
535 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.358 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5435.87 N/A Employed Employed No No No
536 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.821 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9332.43 N/A Employed No No
537 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
540 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 27639.62 N/A Employed No Yes Present
541 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.104 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10431.46 N/A Employed Retired No No No
542 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.871 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6059.42 N/A Employed No No
544 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 8.005 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3343.35 N/A Employed No No
545 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
548 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.39 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47852.8 N/A Employed Not Employed No No No
549 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.24 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2608.65 N/A Employed No No
550 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
552 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
553 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No Yes No No No No Not Tested 0 6.806 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22933.39 N/A Employed Employed No No No
555 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
558 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.222 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 175074.38 N/A Employed Employed No No No
559 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
561 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.053 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4748.29 N/A Employed Employed No No No
562 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
563 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 8.875 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7524.17 N/A Employed No No
564 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.246 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29618.8 N/A Employed No No
565 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
566 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.788 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14202.32 N/A Employed Retired No No No
567 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
569 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
572 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 36566.17 N/A Employed Employed No No Yes Present
574 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.357 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22801.74 N/A Employed No No
577 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.635 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4802.14 N/A Employed No No
582 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
584 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
586 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No Yes No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
587 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
589 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.028 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2918.68 N/A Not Employed Employed No No No
594 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No Yes No No No No Not Tested 0 7.548 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7150.57 N/A Employed Employed No No No
Dropped XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.987 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6175.18 N/A Employed No No
600 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.95 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13298.51 N/A Employed Employed No No No
601 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
604 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
608 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No Yes No No No No Not Tested 0 6.877 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3692.03 N/A Retired No No
613 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.691 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35714.33 N/A Employed Employed No No No
615 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.88 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7313.68 N/A Employed No No
616 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 12371.24 N/A Employed No Yes Present
617 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.009 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2662.71 N/A Employed No No
618 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
619 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.234 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15930.23 N/A Employed Retired No No No
621 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.69 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 138404.92 N/A Employed Not Employed No No No
622 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 26162.34 N/A Employed No Yes Present
629 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
630 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
633 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.25 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21116.88 N/A Employed Employed No No No
634 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.542 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25528.07 N/A Employed No No
635 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
640 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
641 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes Yes No No No No No No No Not Tested 0 8.718 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24087.5 N/A Employed No No
646 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.211 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7694.13 N/A Employed Retired No No No
650 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
651 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.069 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3472.81 N/A Employed No No
653 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.619 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 53520.71 N/A Employed No No
658 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
662 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
663 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.795 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6979.15 N/A Retired Employed No No No
666 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.631 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14034.49 N/A Employed No No
669 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.949 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28881.44 N/A Employed No No
671 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
673 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.184 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20034.87 N/A Employed Employed No No No
676 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
679 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.416 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8503.15 N/A Employed No No
680 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 7025.18 N/A Employed No Yes Present
681 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.612 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5374.25 N/A Employed No No
682 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
683 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.775 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9408.07 N/A Employed Employed No No No
685 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.048 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4148.99 N/A Employed No No
686 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 5499.6 N/A Employed No Yes Present
691 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.965 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 81451.51 N/A Employed No No
692 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No Yes No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 231862.52 N/A Employed No Yes Present
693 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 24861.33 N/A Employed Retired No No Yes Present
698 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
699 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
700 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.273 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13864.42 N/A Employed No No
701 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 64900.74 N/A Employed No Yes Present
703 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.842 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26805.34 N/A Employed Retired No No No
709 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8587.25 N/A Employed Retired No No No
710 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 8.021 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3944.94 N/A Employed No No
711 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
713 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
714 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
718 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.244 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26034.15 N/A Retired Retired No No No
721 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
726 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.999 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 71189.43 N/A Employed No No
731 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
732 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
734 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
738 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.2 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10996.4 N/A Employed No No
739 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No Yes No No No No Not Tested 0 7.709 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 11414.61 N/A Retired Retired No No No
740 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 18923.44 N/A Employed No Yes Present
744 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 17477.41 N/A Employed No Yes Present
745 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
746 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.206 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 58328.44 N/A Employed No No
747 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.221 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32177.52 N/A Employed Employed No No No
749 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes Yes No No No No No No No Not Tested 0 9.523 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9009.25 N/A Employed Employed No No No
750 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.637 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5720.21 N/A Retired Retired No No No
752 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.592 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 66384.96 N/A Employed No No
754 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
755 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.847 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4554.47 N/A Employed Retired No No No
756 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.943 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13166.8 N/A Employed No No
757 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.708 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2947.24 N/A Employed No No
758 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
760 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.2 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35494.57 N/A Employed No No
765 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
767 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.957 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26846.84 N/A Employed Employed No No No
768 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 8.125 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7815.32 N/A Employed No No
Dropped XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.74 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 32589.08 Yes Retired No No
770 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
771 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.081 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 79841.5 N/A Employed No No
773 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.644 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9692.58 N/A Employed No No
774 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.225 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10880.8 N/A Employed No No
775 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
777 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.151 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19603.52 N/A Not Employed Not Employed No No No
778 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.559 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11602.25 N/A Employed No No
780 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 8.336 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13051.74 N/A Employed No No
781 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.418 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3384.03 N/A Employed No No
782 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
783 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.067 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 420420.31 N/A Not Employed Employed No No No
787 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 16515.85 N/A Employed Employed No No Yes Present
788 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 5339 N/A Employed No Yes Present
789 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 8.135 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4368.73 N/A Employed No No
791 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
793 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
794 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
797 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.837 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9746.97 N/A Employed No No
798 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 9.125 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16620.54 N/A Employed No No
801 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.338 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17123.04 N/A Employed No No
802 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
803 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
805 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 10397.51 N/A Employed Retired No No Yes Present
808 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
809 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
812 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.214 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 92971.04 N/A Employed No No
815 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.781 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15313.39 N/A Employed Employed No No No
816 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes Yes No No No No No No No Not Tested 0 8.61 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5276.83 N/A Retired No No
820 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
822 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.083 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16695.67 N/A Employed No No
823 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
824 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.246 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32229.3 N/A Employed No No
826 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.04 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24534.52 N/A Retired Employed No No No
830 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
831 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.626 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6843.07 N/A Employed Employed No No No
833 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No Yes No No No No Not Tested 0 6.502 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18104.1 N/A Employed No No
836 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.78 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 137786.97 N/A Employed No No
837 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
839 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 81451.61 N/A Employed No Yes N/A
840 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present
843 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
848 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.85 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 302142.86 N/A Employed No No
849 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present
853 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 8.177 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29374.06 N/A Retired No No
855 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 20895.31 N/A Employed No Yes Present
861 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.765 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3961.64 N/A Employed Not Employed No No No
863 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.051 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3487.79 N/A Employed No No
864 XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 10416.85 N/A Employed No Yes Present
865 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 7.221 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12679.35 N/A Employed Employed No No No
867 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8748.22 N/A Employed No No
869 XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No Yes No No No No No No No Not Tested 0 8.859 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4882.21 N/A Employed Employed No No No