Exhibit 99.4 Schedule 2

 

Marketing ID Loan ID Investor Loan ID Seller Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified? TRID tested?
423 XX XX 01-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
167 XX XX 01-XX-2026 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 183912.33 Yes Employed No Yes Present No
163 XX XX 12-XX-2025 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
165 XX XX 12-XX-2025 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
170 XX XX 02-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
171 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A Yes N/A N/A Yes N/A N/A N/A Yes N/A 14828.9 Yes Employed No Yes Present No
174 XX XX 03-XX-2026 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 94225.67 Yes Employed No Yes Present No
168 XX XX 02-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 9842.01 7.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8323.05 Yes Employed No No Yes
229 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No Yes No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 409785.29 Yes Employed Employed No No Yes Present No
194 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
179 XX XX 03-XX-2026 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 207405.09 Yes Employed Employed No No Yes Present No
268 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
180 XX XX 03-XX-2026 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 210757.06 Yes Employed Employed No No Yes Present No
244 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
175 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
253 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 11675 8.686 N/A Yes N/A Yes Yes Yes N/A Yes Yes N/A 5651.16 Yes Employed No No Yes
191 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
257 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 17862.6 6.95 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 24852.15 N/A Employed No No Yes
172 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
234 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
261 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
274 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A Yes N/A N/A N/A N/A N/A No No Yes Present No
250 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
206 XX XX 04-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 6980.2 6.435 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34515.99 Yes Employed No No Yes
270 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 10795 6.845 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7260.89 Yes Employed No No Yes
317 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No Yes No No Yes No No No No No 17395 8.554 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15344.45 N/A Employed No No Yes
301 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 21689 8.46 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 30898.22 Yes Employed No No Yes
310 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
181 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
296 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No Yes 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 49805.01 Yes Employed No Yes Present No
293 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 10407.5 9.217 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25478.11 Yes Employed No No Yes
169 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
226 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
269 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
292 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
271 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A Yes Yes N/A N/A N/A N/A N/A No No Yes Present No
285 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 57545 7.377 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 52314.18 Yes Employed No No Yes
189 XX XX 04-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 25825 7.056 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13619.64 Yes Employed No No Yes
297 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only Yes No Yes No No Yes No No No No No 32195 9.086 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 31645.5 Yes Employed No No Yes
223 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
176 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
215 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A Yes N/A N/A N/A N/A N/A N/A No Yes Present No
275 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
248 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 4495 8.034 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19661.63 Yes Employed No No Yes
252 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 6595 7.042 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4155.86 Yes Not Employed No No Yes
277 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 10515 7.102 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16131.47 Yes Employed No No Yes
276 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 40020 9.146 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 22456.48 Yes Employed No No Yes
304 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
228 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
291 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
202 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
266 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 17495 7.609 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 64262.76 Yes Employed No No Yes
263 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
209 XX XX 04-XX-2026 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 No
287 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
288 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
294 XX XX 05-XX-2026 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 No
316 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
319 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 10095 6.619 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 15655.42 Yes Employed Employed No No No Yes
208 XX XX 04-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 23575 7.73 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 58439.11 Yes Employed No No Yes
322 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 10506.25 6.624 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 3496.78 Yes Employed No No Yes
239 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
313 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
283 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
230 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
262 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
306 XX XX 05-XX-2026 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 85459.87 Yes Employed Not Employed No No Yes Present No
308 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
197 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
238 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
216 XX XX 04-XX-2026 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 35278.24 Yes Employed No Yes Present No
233 XX XX 04-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 15963.75 7.691 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9291.68 Yes Employed No No Yes
258 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
424 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
186 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
205 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
221 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
273 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
278 XX XX 05-XX-2026 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 92001.58 Yes Employed No Yes Present No
284 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
307 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
302 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
314 XX XX 05-XX-2026 QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No No Yes Yes No No No No No No No No 17070 8.183 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8512.58 Yes Employed No No Yes
166 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
237 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No Interest Only 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 23179.74 Yes Employed Employed No No Yes Present No
187 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
214 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
246 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
256 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
315 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
286 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
289 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
212 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A Yes N/A Yes Yes N/A N/A Yes N/A N/A No Yes Present No
227 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
192 XX XX 04-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 8559 7.771 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 76903.32 Yes Employed No No Yes
198 XX XX 04-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 21790 7.633 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9264.86 Yes Employed Retired No No No Yes
203 XX XX 04-XX-2026 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 N/A No Yes Present No
267 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
259 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
183 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
224 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
323 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
295 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
207 XX XX 04-XX-2026 QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No No No Yes No No No No No No No No 16695 7.942 Yes Yes N/A Yes Yes Yes N/A N/A Yes Yes 28953.94 Yes Employed No No Yes
240 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
222 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
204 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
298 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
245 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
195 XX XX 04-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 28876.28 7.789 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 31479.83 Yes Employed No No Yes
247 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
211 XX XX 04-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 8730 6.213 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 35155.4 Yes Employed Not Employed No No No Yes
251 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
213 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
188 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
272 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 18979 7.351 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 17371.64 Yes Employed No No Yes
299 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
199 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A Yes N/A N/A N/A N/A N/A No Yes Present No
309 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
260 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 16345 7.948 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 12101.35 Yes Employed No No Yes
177 XX XX 03-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 34296.25 7.582 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23969.95 Yes Employed No No Yes
363 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No No No No No No No No No No 41645 9.007 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47505.36 Yes Employed No No Yes
378 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
405 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
334 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
339 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
342 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
345 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
356 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 7987 7.683 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10002.8 Yes Employed Employed No No No Yes
365 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No Yes No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 2919.28 Yes Employed No Yes Present No
162 XX XX 11-XX-2025 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
232 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
375 XX XX 06-XX-2026 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 146271.61 Yes Employed No Yes Present No
415 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A Yes N/A N/A N/A N/A N/A No Yes Present No
394 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
414 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
331 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 18006.69 Yes Employed No Yes Present No
396 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
402 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 9195 7.748 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5873.35 Yes Employed No No Yes
164 XX XX 12-XX-2025 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
412 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 8975 7.283 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5244.01 Yes Employed Employed No No No Yes
337 XX XX 05-XX-2026 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 34366.47 Yes Employed No Yes Present No
193 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
330 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
358 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
379 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 86399.4 8.339 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 46764.87 Yes Employed No No Yes
336 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 11885 7.869 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9277.55 N/A Employed No No Yes
343 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
338 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
282 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
335 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 12281.03 8.212 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8776.84 Yes Employed No No Yes
420 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
361 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No Yes 8025 8.819 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5041.63 Yes Employed No No Yes
422 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
419 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
182 XX XX 06-XX-2026 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 No
377 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
311 XX XX 05-XX-2026 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 103956 N/A Employed No Yes Present No
353 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
400 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
416 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 38995 7.511 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32068.31 Yes Employed No No Yes
173 XX XX 03-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 8075 7.098 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 1656682.58 Yes Employed No No Yes
201 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
324 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
265 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
326 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 27795 8.084 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24253.65 Yes Employed No No Yes
351 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
231 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
235 XX XX 04-XX-2026 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 13779.35 Yes Employed No Yes Present No
359 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 7345 6.136 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13268.44 Yes Employed No No Yes
367 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 11570 7.257 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 11077.56 Yes Employed No No Yes
390 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 99776.41 Yes Employed No Yes Present No
354 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 14915 6.937 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4857.57 Yes Employed Not Employed No No No Yes
398 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 10807.5 6.859 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7440.16 Yes Employed No No Yes
376 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No Yes No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 28063.82 N/A Employed No Yes Present No
409 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 66947.92 Yes Employed No Yes Present No
344 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 34163.75 7.349 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60228.64 Yes Employed No No Yes
303 XX XX 05-XX-2026 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 8992.11 Yes Employed No Yes Present No
219 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
374 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
410 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
352 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 14585 6.993 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19027.78 Yes Employed No No Yes
401 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
218 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
389 XX XX 06-XX-2026 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 N/A No Yes Present No
320 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 2695 9.764 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6365.5 Yes Employed Employed No No No Yes
220 XX XX 04-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 9495 7.764 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14797.18 Yes Employed No No Yes
241 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
242 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
403 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
318 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 29999.99 7.503 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 249365.18 Yes Employed No No Yes
385 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 16985 7.975 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7821.03 Yes Employed No No Yes
362 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A Yes N/A Yes N/A N/A 556611.51 Yes Employed No Yes Present No
280 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
249 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
196 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
411 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
383 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
225 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
360 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
255 XX XX 05-XX-2026 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 No
300 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
408 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No Yes No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 56470.04 Yes Employed No Yes Present No
210 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A Yes N/A Yes N/A N/A N/A N/A N/A N/A 9883.73 Yes Employed Not Employed No No Yes Present No
357 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A Yes N/A N/A N/A N/A N/A N/A No Yes Present No
349 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
254 XX XX 05-XX-2026 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 No
329 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
328 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
368 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
386 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
281 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
321 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 53785 7.931 Yes Yes N/A Yes Yes Yes N/A N/A Yes Yes 111467.51 Yes Employed Not Employed No No No Yes
382 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 8923 7.096 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 14107.43 Yes Employed No No Yes
327 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 20495 6.804 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10070.91 Yes Employed No No Yes
373 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
190 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
413 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 7235 7.271 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6750.56 Yes Employed Employed No No No Yes
406 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
395 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
381 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 14470 7.098 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30396.17 Yes Employed No No Yes
346 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 6638.75 7.229 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5182.4 Yes Employed No No Yes
425 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 2495 6.707 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12313.9 Yes Employed No No Yes
243 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No Yes No No No Yes No No No N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 16648.48 Yes Employed No Yes Present No
200 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
404 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
348 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 7960 7.353 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6446.13 Yes Employed No No Yes
332 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 11991.88 7.211 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6288.09 Yes Employed No No Yes
399 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 28490 7.302 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27810.03 Yes Employed No No Yes
341 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
366 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
264 XX XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 13195 7.394 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 48004.71 Yes Employed No No Yes
393 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 9195 7.298 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 41825.36 Yes Employed No No Yes
217 XX XX 04-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
397 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 14882.5 7.475 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10635.96 Yes Employed No No Yes
387 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 18373 6.866 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 388771.33 Yes Employed No No Yes
392 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 12245 7.126 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21618.52 Yes Employed No No Yes
184 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
333 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
350 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No Yes No No No Yes No No No N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 30477.57 Yes Employed No Yes Present No
391 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 9878.84 7.283 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5618.64 Yes Not Employed Employed No No No Yes
407 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 17712 8.025 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 35556.74 Yes Employed No No Yes
421 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 14740 6.99 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13532.6 Yes Employed Employed No No No Yes
305 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
340 XX XX 05-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 5995 7.51 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 2531.12 Yes Employed Not Employed No No No Yes
372 XX XX 06-XX-2026 QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No No Yes Yes No No No No No No No No 4695 8.065 Yes N/A N/A Yes Yes Yes N/A Yes N/A N/A 6985.89 N/A Employed No No Yes
325 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
380 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
355 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 15188.75 7.114 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7453.5 Yes Employed No No Yes
384 XX XX 06-XX-2026 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 35154.16 Yes Employed No Yes Present No
418 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
312 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
290 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
371 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 10639.8 7.699 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 15603.36 Yes Employed No No Yes
388 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
178 XX XX 03-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
279 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
236 XX XX 05-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
370 XX XX 06-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 2295 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12320.65 N/A Employed No No Yes
369 XX XX 06-XX-2026 QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No No No Yes No No No No No No No No 14409.13 8.764 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42671.71 Yes Employed No No Yes
185 XX XX 04-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 30475 7.294 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 171212.14 Yes Employed Employed No No No Yes
364 XX XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 7820 7.255 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3734.42 Yes Employed No No Yes
417 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
347 XX XX 06-XX-2026 ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No