EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.4 - Schedule 3

 

 

ALT Loan 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?
2198986 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1016.75 9.144 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Employed No No No  
2199051 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4428.16 9.484 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199102 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 3974.02 8.122 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198889 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1155.5 8.984 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199093 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4222.8 9.447 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX Yes Employed Employed No No No  
2198949 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.449 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199134 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1018.0 7.502 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Retired No No No  
2206917 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2856.8 7.226 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198958 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1156.8 9.506 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199082 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.423 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199114 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1340.2 7.468 Yes Yes N/A No Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Retired No No No  
2198885 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1370.8 9.411 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199125 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.11 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198925 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1666.75 8.58 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198907 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2349.2 7.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198894 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2733.93 8.723 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199049 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1212.25 7.6 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Retired No No No  
2198959 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1074.4 8.15 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198883 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 923.0 8.656 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Retired No No No  
2198919 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1238.5 8.583 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199026 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1018.0 9.24 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX Yes Employed   No   No  
2199107 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1268.0 8.603 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198905 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1477.52 7.609 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired   No   No  
2198940 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1018.0 8.265 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired   No   No  
2198938 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1080.41 8.166 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Retired No No No  
2198913 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 108.0 8.792 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198982 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 865.5 9.132 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199103 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2983.0 8.602 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199048 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.362 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199070 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.34 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199131 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.596 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199019 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 8.913 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199130 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1048.5 7.541 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198955 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1043.0 9.189 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198989 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2298.2 9.554 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired   No   No  
2199111 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 8.581 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199075 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1018.0 7.334 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Employed No No No  
2198963 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3866.25 9.371 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Retired No No No  
2199060 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2380.13 8.69 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199068 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1238.0 7.003 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198898 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 108.0 8.534 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Retired No No No  
2198954 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1771.28 8.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198895 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1018.0 8.046 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199090 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1049.0 8.401 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199064 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 23.0 7.922 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2198965 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 852.66 7.774 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199021 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.385 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198891 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199087 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1531.54 8.19 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199106 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1018.0 7.906 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199086 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1113.0 8.062 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199137 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 8.638 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199022 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2368.0 8.763 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired   No   No  
2198915 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199120 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1487.0 8.234 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198903 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 738.02 7.579 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198957 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1337.6 7.546 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Not Employed Employed No No No  
2198990 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1093.0 7.891 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198882 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1268.0 8.631 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198941 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1589.45 9.301 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199042 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 9.504 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199080 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1089.0 7.571 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199109 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2281.8 8.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX Yes Employed   No   No  
2198929 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1346.97 8.696 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199045 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 94.0 7.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199083 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 23.0 8.355 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199096 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3227.24 8.875 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198926 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.819 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired   No   No  
2199136 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1595.6 8.508 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198932 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1157.03 7.319 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199057 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 6.866 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired   No   No  
2198934 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1028.5 8.263 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198984 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 9.233 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199011 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2218.0 7.622 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198945 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1018.0 7.992 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199085 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1197.73 7.158 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198995 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3461.1 7.113 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198979 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 8.567 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199073 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1018.0 7.309 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199058 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 3914.0 7.673 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199001 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1207.42 7.142 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199016 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.768 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Not Employed Employed No No No  
2199062 XXXXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $X,XXX.XX N/A Employed Employed No No Yes Present
2198928 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1089.0 7.04 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199123 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2018.0 9.034 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198947 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1507.01 8.663 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198944 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2053.06 7.865 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198911 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2533.17 8.088 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199108 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.669 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199115 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 995.0 8.699 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198970 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3208.0 7.59 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198896 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 8.623 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired   No   No  
2199124 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 9.592 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199098 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1309.5 9.393 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Employed No No No  
2198922 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 8.075 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2198906 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1083.65 7.615 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2199089 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2042.65 8.225 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198991 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1355.5 7.666 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198900 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1.5 7.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199052 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1568.25 8.151 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199069 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2268.0 8.688 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199112 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1898.0 8.116 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198983 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1065.7 7.15 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX Yes Retired   No   No  
2199003 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1413.6 7.66 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199113 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 23.0 6.841 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Not Employed Employed No No No  
2199015 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2313.0 7.868 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2199119 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.539 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198930 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.654 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2198931 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 1119.97 8.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Employed No No No  
2198901 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.082 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Retired No No No  
2198904 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1255.96 8.679 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198908 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 131.5 8.876 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2199132 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1713.57 8.608 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2198924 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1943.5 7.648 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2198992 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1018.0 7.74 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Retired Employed No No No  
2199065 XXXXXXXX     XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2140.4 7.991 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No