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?
6 XX 04-XX-2026 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 8.63 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15414.64 N/A Employed No No
11 XX 04-XX-2026 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 31477.74 N/A Employed Employed No No Yes Present
14 XX 04-XX-2026 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 20689.04 N/A Employed Employed No No Yes Present
16 XX 05-XX-2026 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 7.652 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35938.23 N/A Employed No No
17 XX 05-XX-2026 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 8725.19 N/A Employed No Yes Present
25 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
31 XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 415433.4 N/A Employed No Yes N/A
34 XX 05-XX-2026 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 2682.27 N/A Employed Retired No No Yes Present
37 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
39 XX 06-XX-2026 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 6398.86 N/A Employed Employed No No Yes Present
42 XX 06-XX-2026 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 23917.45 N/A Employed No Yes Present
45 XX 04-XX-2026 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 6.327 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24327.45 N/A Employed No No
49 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
50 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
51 XX 06-XX-2026 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 411299.49 N/A Employed No Yes Present
54 XX 04-XX-2026 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 6.572 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4853.86 N/A Employed No No
59 XX 06-XX-2026 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 85682.5 N/A Employed No No
61 XX 05-XX-2026 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 36763.04 N/A Employed Employed No No Yes Present
63 XX 06-XX-2026 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 6.965 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 52912.43 N/A Employed No No
66 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
67 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
70 XX 05-XX-2026 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 14358.3 N/A Employed Employed No No Yes Present
78 XX 06-XX-2026 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 6.291 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15115.29 N/A Employed Employed No No No
83 XX 07-XX-2026 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 8.719 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18682.6 N/A Employed No No
85 XX 06-XX-2026 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 6.805 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8575.64 N/A Employed No No
89 XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 6.961 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5439.13 N/A Employed No No
90 XX 06-XX-2026 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 7.364 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 10584.32 N/A Retired No No
91 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 No Yes Present
93 XX 06-XX-2026 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 7.451 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4957.23 N/A Employed No No
101 XX 06-XX-2026 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 50118.08 N/A Employed Not Employed No No Yes Present
102 XX 06-XX-2026 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 6.275 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31582.15 N/A Employed Retired No No No
103 XX 06-XX-2026 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 8.744 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 40287.66 N/A Employed Not Employed No No No
104 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
105 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
106 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
108 XX 06-XX-2026 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 54307.02 N/A Employed Not Employed No No Yes Present
109 XX 06-XX-2026 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 8.03 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 398734.11 N/A Employed No No
111 XX 06-XX-2026 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 7.31 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10435.83 N/A Employed No No
112 XX 06-XX-2026 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 7.469 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4638.26 N/A Employed No No
113 XX 06-XX-2026 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 6.55 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 291290.02 N/A Employed No No
115 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 No Yes Present
117 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
118 XX 06-XX-2026 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 6.567 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 45067.95 N/A Employed Employed No No No
119 XX 06-XX-2026 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 8974.44 N/A Employed Not Employed No No No
121 XX 06-XX-2026 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 6.588 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 27113 N/A Retired No No
122 XX 06-XX-2026 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 6.721 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34531.22 N/A Employed Not Employed No No No
124 XX 06-XX-2026 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 7.403 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6873.52 N/A Employed Employed No No No
134 XX 07-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
135 XX 06-XX-2026 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 8.749 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21206.8 N/A Employed No No
136 XX 05-XX-2026 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 7.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25627.98 N/A Employed No No
138 XX 06-XX-2026 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 73329.36 N/A Retired Employed No No Yes Present
139 XX 07-XX-2026 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 7.378 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 9442.22 N/A Retired Retired No No No
142 XX 07-XX-2026 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 6.953 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28859.27 N/A Employed Employed No No No
143 XX 07-XX-2026 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 7.112 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4907.61 N/A Employed No No
146 XX 06-XX-2026 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 9874.06 N/A Employed Employed No No Yes Present
147 XX 07-XX-2026 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 6.699 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3412.31 N/A Employed Not Employed No No No
150 XX 07-XX-2026 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 6.278 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20771.85 N/A Employed Employed No No No
154 XX 07-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
155 XX 07-XX-2026 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 86794.94 N/A Employed No Yes Present
158 XX 07-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
162 XX 07-XX-2026 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 6.804 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4597.8 N/A Employed No No
164 XX 07-XX-2026 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 6.914 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5575.41 N/A Employed No No
168 XX 06-XX-2026 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 6.991 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12619.6 N/A Employed Employed No No No
169 XX 07-XX-2026 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 15554.76 N/A Employed Not Employed No No Yes Present
173 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
174 XX 07-XX-2026 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 6.366 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 63938.99 N/A Employed No No
176 XX 07-XX-2026 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 14742.12 N/A Employed No Yes Present
177 XX 07-XX-2026 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 7.05 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 5569.55 N/A Not Employed Not Employed No No No
178 XX 07-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 35170.83 N/A Employed Employed No No Yes Present
181 XX 07-XX-2026 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 31665.01 N/A Employed Employed No No Yes Present
183 XX 07-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
184 XX 07-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
187 XX 07-XX-2026 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 6.954 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9655.77 N/A Employed Not Employed No No No
190 XX 05-XX-2026 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 6.743 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19578.69 N/A Employed No No
191 XX 07-XX-2026 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 6.745 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 40065.16 N/A Employed No No
195 XX 02-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
197 XX 05-XX-2026 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 6.662 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 12745.5 N/A Not Employed Not Employed No No No
198 XX 07-XX-2026 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
312 XX 07-XX-2026 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 6.544 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22505.29 N/A Employed Employed No No No
314 XX 07-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
317 XX 06-XX-2026 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 7.085 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 56217.83 N/A Employed No No
320 XX 07-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
322 XX 07-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
323 XX 07-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
324 XX 06-XX-2026 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 7.127 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27360.65 N/A Employed Retired No No No
327 XX 07-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
330 XX 06-XX-2026 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 5328.85 N/A Employed Retired No No No
331 XX 07-XX-2026 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 7.409 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 301706.47 N/A Employed No No
332 XX 05-XX-2026 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 7.017 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 211089.54 N/A Employed No No
334 XX 06-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.16 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 159050.36 N/A Employed No No
339 XX 07-XX-2026 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 8770.5 N/A Employed No Yes Present
344 XX 07-XX-2026 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 6.771 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25962.35 N/A Employed No No
345 XX 06-XX-2026 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 7.832 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4814.93 N/A Employed No No
346 XX 07-XX-2026 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 7.789 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2468.92 N/A Employed No No
347 XX 07-XX-2026 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 7.796 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14319.02 N/A Employed No No
349 XX 07-XX-2026 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 7.402 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28532.79 N/A Employed No No
350 XX 07-XX-2026 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 14657.37 N/A Employed No Yes Present
352 XX 07-XX-2026 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 6.906 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35381.14 N/A Employed Employed No No No
355 XX 05-XX-2026 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 7.105 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9034.64 N/A Employed Employed No No No
356 XX 05-XX-2026 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 6.342 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9996.4 N/A Employed No No
357 XX 08-XX-2026 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 7.962 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6523.02 N/A Employed Retired No No No
358 XX 06-XX-2026 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 8.412 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22183.45 N/A Employed No No
359 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
360 XX 08-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
363 XX 07-XX-2026 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 8.053 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27594.05 N/A Employed No No
364 XX 07-XX-2026 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 7.947 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18720.42 N/A Employed No No
365 XX 07-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
366 XX 07-XX-2026 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 7.322 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22573.27 N/A Employed No No
371 XX 06-XX-2026 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 7.937 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8466.38 N/A Employed No No
374 XX 06-XX-2026 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 7.149 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26119.69 N/A Employed No No
376 XX 05-XX-2026 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 6.79 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 75927.97 N/A Employed No No
377 XX 07-XX-2026 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 7.0 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6679.56 N/A Employed No No
379 XX 08-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.368 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 0 N/A Retired No No
382 XX 06-XX-2026 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 7.404 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15056.4 N/A Employed No No
383 XX 07-XX-2026 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 7.241 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12712.23 N/A Employed Retired No No No
385 XX 05-XX-2026 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 8.092 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3750.1 N/A Employed No No
386 XX 05-XX-2026 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 Yes Present
390 XX 07-XX-2026 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 7.033 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 7995.05 N/A Retired Retired No No No
391 XX 07-XX-2026 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 6.799 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 89995.95 N/A Employed No No
396 XX 07-XX-2026 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 73261.58 N/A Employed No Yes Present
397 XX 07-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
401 XX 07-XX-2026 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 7.099 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 10082.34 N/A Retired No No
402 XX 07-XX-2026 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 9.474 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3849.45 N/A Employed No No
403 XX 06-XX-2026 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 6.948 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 45791.81 N/A Employed No No
405 XX 07-XX-2026 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 8.664 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 71106.34 N/A Employed No No
410 XX 07-XX-2026 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 6.572 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 74096.67 N/A Employed No No
411 XX 06-XX-2026 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 6.893 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42577.07 N/A Employed No No
412 XX 07-XX-2026 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 8.548 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10391.15 N/A Employed No No
414 XX 07-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 No Yes Present
415 XX 07-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
416 XX 06-XX-2026 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 6.701 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13370.87 N/A Employed Employed No No No
417 XX 06-XX-2026 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 6.815 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30628.08 N/A Employed No No
418 XX 07-XX-2026 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 7.283 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 43295 N/A Employed No No
419 XX 08-XX-2026 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 7368.69 N/A Employed No Yes Present
422 XX 07-XX-2026 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 7.801 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 81053.78 N/A Employed No No
423 XX 06-XX-2026 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 7.667 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7981.31 N/A Retired Employed No No No
424 XX 06-XX-2026 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 6.373 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5520.75 N/A Employed No No
425 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
426 XX 07-XX-2026 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 7.068 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12184.12 N/A Employed No No
427 XX 06-XX-2026 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 6.9 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 88278.4 N/A Employed No No
430 XX 07-XX-2026 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 7.745 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 4963.26 N/A Retired No No
433 XX 05-XX-2026 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 7.107 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7265.44 N/A Employed No No
434 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
436 XX 07-XX-2026 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 5117.2 N/A Employed Employed No No Yes Present
437 XX 07-XX-2026 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 7.297 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20337.25 N/A Employed No No
438 XX 08-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
439 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
440 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
441 XX 06-XX-2026 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 6.886 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 14638.09 N/A Retired No No
443 XX 07-XX-2026 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 6.952 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6972.1 N/A Employed No No
444 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
446 XX 07-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
447 XX 06-XX-2026 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 7.298 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 335712.93 N/A Employed Retired No No No
449 XX 05-XX-2026 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 6.526 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 5661.82 N/A Retired No No
452 XX 07-XX-2026 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 8.524 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 60017.27 N/A Employed No No
453 XX 01-XX-2026 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 109460.19 N/A Employed No Yes Present
454 XX 07-XX-2026 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 7.561 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 44538.89 N/A Employed Employed No No No
455 XX 06-XX-2026 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 7.839 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6207.78 N/A Employed No No
458 XX 06-XX-2026 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 7.007 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25703.53 N/A Employed No No
459 XX 06-XX-2026 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 6.242 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2587.1 N/A Retired Employed No No No
461 XX 07-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
464 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
465 XX 07-XX-2026 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 7.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 78010.01 N/A Employed No No
466 XX 07-XX-2026 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 120640.65 N/A Employed No Yes Present
469 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
470 XX 06-XX-2026 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 7401.79 N/A Employed No No
471 XX 07-XX-2026 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 7.794 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1830.93 N/A Employed No No
472 XX 06-XX-2026 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 7.456 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20271.52 N/A Employed No No
473 XX 07-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 8.082 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6970.2 N/A Employed No No
474 XX 07-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
475 XX 07-XX-2026 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 6.888 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33352.23 N/A Employed Employed No No No
476 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 No Yes Present
477 XX 07-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
478 XX 06-XX-2026 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 7.0 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17430.83 N/A Employed No No
482 XX 07-XX-2026 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 6.884 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14057.35 N/A Employed No No
486 XX 06-XX-2026 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 8.25 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8360.11 N/A Employed No No
487 XX 06-XX-2026 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 Yes N/A Yes Yes Yes N/A Yes Yes Yes 29431.99 N/A Employed Retired No No No
489 XX 06-XX-2026 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 6.26 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 7944.73 N/A Retired No No
490 XX 05-XX-2026 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 46674.96 N/A Employed No Yes Present
492 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
493 XX 06-XX-2026 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 9.546 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7644.95 N/A Employed No No
494 XX 07-XX-2026 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 8.081 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3710.78 N/A Employed No No
496 XX 06-XX-2026 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 6.915 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25747.82 N/A Employed Not Employed No No No
499 XX 07-XX-2026 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 7.54 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 159072.77 N/A Employed Employed No No No
500 XX 06-XX-2026 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 6.496 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20960.62 N/A Employed Retired No No No
503 XX 07-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
505 XX 07-XX-2026 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 13446.96 N/A Employed No Yes Present
507 XX 06-XX-2026 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 7.945 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2785.47 N/A Employed No No
509 XX 07-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
510 XX 07-XX-2026 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 6.231 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 32403.09 N/A Retired No No
511 XX 07-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 145809 N/A Employed Employed No No Yes Present
513 XX 07-XX-2026 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 11480.94 N/A Employed No No
515 XX 06-XX-2026 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 7.853 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5969.87 N/A Employed No No
517 XX 05-XX-2026 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
518 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
520 XX 07-XX-2026 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 7.44 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11981.99 N/A Employed Employed No No No
522 XX 07-XX-2026 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 9.555 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4611.98 N/A Employed No No
524 XX 07-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
526 XX 06-XX-2026 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 6.759 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 131369.58 N/A Employed No No
527 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 No Yes Present
528 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
529 XX 07-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
530 XX 06-XX-2026 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 5031.44 N/A Employed No Yes Present
532 XX 07-XX-2026 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 6.745 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33781.9 N/A Employed Retired No No No
535 XX 05-XX-2026 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 7.114 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29962.01 N/A Employed Employed No No No
536 XX 07-XX-2026 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 8.066 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 78489.89 N/A Employed No No
538 XX 07-XX-2026 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 8.909 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15269.4 N/A Employed No No
539 XX 07-XX-2026 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 7.05 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4704.96 N/A Employed No No
540 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 Yes Yes Present
541 XX 06-XX-2026 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 7.094 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11872.83 N/A Employed No No
543 XX 07-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
545 XX 06-XX-2026 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 7.114 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11803.15 N/A Employed Employed No No No
546 XX 07-XX-2026 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 6.951 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 183488.58 N/A Employed Not Employed No No No
549 XX 08-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
552 XX 07-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.271 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 28624.52 N/A Not Employed No No
554 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
558 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
559 XX 08-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
560 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
561 XX 06-XX-2026 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 6.958 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6044.1 N/A Employed No No
562 XX 07-XX-2026 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 4257.69 N/A Not Employed No No
564 XX 07-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
566 XX 08-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
568 XX 07-XX-2026 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 7.332 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24877.26 N/A Employed No No
569 XX 06-XX-2026 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 6.981 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 3954.94 N/A Retired Retired No No No
572 XX 07-XX-2026 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 7.44 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21678.6 N/A Employed No No
573 XX 06-XX-2026 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 6.783 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 680274.33 N/A Employed No No
575 XX 07-XX-2026 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 7.456 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32725.16 N/A Employed Employed No No No
577 XX 12-XX-2025 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 7.972 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6206.36 N/A Employed No No
578 XX 07-XX-2026 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 7.746 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 57866.59 N/A Employed No No
581 XX 07-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
582 XX 06-XX-2026 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 7.855 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12142.72 N/A Employed No No
583 XX 06-XX-2026 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 6.929 Yes Yes N/A No Yes Yes N/A Yes Yes Yes 25539.44 N/A Employed Employed No No No
584 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
585 XX 06-XX-2026 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 7.929 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9808.78 N/A Employed No No
588 XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Not Tested Yes No No No No No No No No Not Tested 0 7.029 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5921.37 N/A Employed Not Employed No No No
591 XX 07-XX-2026 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 7.346 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8794.79 N/A Employed No No
592 XX 05-XX-2026 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 6.989 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19693.32 N/A Employed No No
593 XX 05-XX-2026 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 6.183 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28284.52 N/A Employed No No
594 XX 06-XX-2026 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 7.707 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10118.38 N/A Employed No No
595 XX 07-XX-2026 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 10164.24 N/A Employed No Yes Present
596 XX 03-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
599 XX 07-XX-2026 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 7.912 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3791.49 N/A Employed No No
601 XX 06-XX-2026 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 7.082 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16639.74 N/A Retired Employed No No No
602 XX 07-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
604 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
606 XX 06-XX-2026 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 7.032 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31659.8 N/A Employed No No
610 XX 08-XX-2026 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
615 XX 06-XX-2026 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 8.611 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6613.17 N/A Employed No No
616 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 No Yes Present
617 XX 07-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
619 XX 06-XX-2026 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 7.08 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7624.68 N/A Employed Employed No No No
621 XX 08-XX-2026 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 8.565 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 49129.91 N/A Employed No No
625 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
626 XX 07-XX-2026 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 7.812 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24489.41 N/A Employed Not Employed No No No
627 XX 07-XX-2026 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 17528.48 N/A Employed Retired No No Yes Present
628 XX 07-XX-2026 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 6.67 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23403.06 N/A Employed Employed No No No
630 XX 07-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
631 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
634 XX 06-XX-2026 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 6.794 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 21450.72 N/A Retired Retired No No No
635 XX 07-XX-2026 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 52011.26 N/A Employed Employed No No Yes Present
636 XX 06-XX-2026 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 7.298 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28354.98 N/A Employed No No
637 XX 07-XX-2026 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 7.529 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 8089.81 N/A Retired No No
638 XX 07-XX-2026 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 7.82 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6624.44 N/A Employed No No
639 XX 07-XX-2026 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 7.207 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13246.55 N/A Employed No No
640 XX 07-XX-2026 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 7.152 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 3820.31 N/A Retired Retired No No No
641 XX 03-XX-2026 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 6.663 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11727.27 N/A Employed No No
643 XX 07-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
645 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
646 XX 06-XX-2026 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 7.868 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8611.28 N/A Employed Employed No No No
651 XX 05-XX-2026 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No Not Tested No No No No No No No No No Not Tested 0 7.367 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14605.05 N/A Employed No No
653 XX 07-XX-2026 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 7.673 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21569.28 N/A Employed No No
654 XX 06-XX-2026 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 7.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9600.8 N/A Employed No No
656 XX 07-XX-2026 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 6.697 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31027.24 N/A Employed No No
658 XX 06-XX-2026 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 6.94 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28484.57 N/A Employed No No
660 XX 07-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
661 XX 08-XX-2026 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 6.977 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 7156.84 N/A Retired Retired No No No
662 XX 06-XX-2026 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 7.157 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4845.08 N/A Employed No No
663 XX 07-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
665 XX 05-XX-2026 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 7.503 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2809.93 N/A Employed No No
669 XX 07-XX-2026 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 7.415 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20079.99 N/A Employed No No
671 XX 07-XX-2026 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 7.052 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 72246.97 N/A Employed No No
672 XX 07-XX-2026 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 7.435 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 20325.16 N/A Retired Retired No No No
673 XX 06-XX-2026 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 8.625 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 43477.58 N/A Employed No No
676 XX 06-XX-2026 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 7.329 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26697.91 N/A Employed Not Employed No No No
677 XX 07-XX-2026 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 8590.94 N/A Employed Employed No No Yes Present
678 XX 01-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested Yes No No No No No No No No Not Tested 0 6.959 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8113.24 N/A Employed No No
679 XX 06-XX-2026 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 6.049 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28745.66 N/A Employed No No
682 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
683 XX 06-XX-2026 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
684 XX 06-XX-2026 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 6.92 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28958.57 N/A Employed Employed No No No
685 XX 06-XX-2026 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 6.724 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 144523.91 N/A Employed No No
686 XX 07-XX-2026 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 7.178 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21898.41 N/A Employed No No
688 XX 07-XX-2026 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 8.161 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15954.07 N/A Employed No No
689 XX 07-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
691 XX 07-XX-2026 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 6.699 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29177.58 N/A Employed No No
693 XX 07-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
695 XX 07-XX-2026 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 7.141 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 912293.44 N/A Employed No No
697 XX 07-XX-2026 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 6.838 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4216.61 N/A Employed No No
699 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
700 XX 07-XX-2026 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 7.399 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 4705.02 N/A Retired No No
701 XX 07-XX-2026 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 239808.55 N/A Employed No Yes Present
702 XX 06-XX-2026 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 6.779 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 5411.11 N/A Retired No No
703 XX 07-XX-2026 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 7.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 43697.03 N/A Employed No No
707 XX 06-XX-2026 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 7.478 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 1442120.4 N/A Employed No No
708 XX 07-XX-2026 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 6.938 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 177897.93 N/A Employed Not Employed No No No
709 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
710 XX 07-XX-2026 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 6932.73 N/A Employed No Yes Present
711 XX 07-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
712 XX 02-XX-2026 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 6.645 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23492.69 N/A Employed No No
713 XX 07-XX-2026 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 7.274 Yes Yes N/A No Yes Yes N/A Yes Yes Yes 3481.33 N/A Employed No No
714 XX 06-XX-2026 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 5166.89 N/A Employed No Yes Present
715 XX 06-XX-2026 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 7.025 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42643.36 N/A Employed No No
716 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
718 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
721 XX 07-XX-2026 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 8.351 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28248.27 N/A Employed No No
723 XX 06-XX-2026 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 8.003 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4116.96 N/A Employed No No
725 XX 07-XX-2026 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 7.074 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20771.01 N/A Employed No No
726 XX 07-XX-2026 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 6.55 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 275177.89 N/A Employed No No
727 XX 08-XX-2026 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 7.036 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39074.33 N/A Employed Retired No No No
728 XX 07-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
729 XX 04-XX-2026 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 6.804 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21659.22 N/A Employed No No
732 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
734 XX 07-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.034 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8517.03 N/A Employed No No
736 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
739 XX 06-XX-2026 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 8.017 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15587.66 N/A Employed No No
741 XX 06-XX-2026 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 8.309 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 35349.29 N/A Employed No No
743 XX 07-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
748 XX 08-XX-2026 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 133943.46 N/A Employed No Yes Present
749 XX 07-XX-2026 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 6.215 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17438.2 N/A Employed No No
750 XX 07-XX-2026 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 8.104 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 38732.73 N/A Employed No No
751 XX 07-XX-2026 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 7.736 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8098.38 N/A Employed No No
752 XX 02-XX-2026 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 11208.45 N/A Employed Retired No No No
753 XX 06-XX-2026 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 10706.05 N/A Employed No No
754 XX 07-XX-2026 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 6.465 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12422.76 N/A Employed Employed No No No
757 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
758 XX 06-XX-2026 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 7.692 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6859.07 N/A Employed No No
760 XX 06-XX-2026 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 230137.79 N/A Employed Retired No No Yes Present
762 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
763 XX 07-XX-2026 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 8.049 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7376.37 N/A Employed No No
765 XX 06-XX-2026 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 6.744 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 40625.19 N/A Employed Employed No No No
766 XX 05-XX-2026 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 7.777 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 6272.36 N/A Retired Retired No No No
768 XX 06-XX-2026 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 7.861 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 235666.26 N/A Employed No No
770 XX 07-XX-2026 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 8.879 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5783.56 N/A Employed No No
772 XX 07-XX-2026 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 6.467 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28010.14 N/A Employed No No
774 XX 06-XX-2026 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 7.145 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6159.84 N/A Employed No No
775 XX 06-XX-2026 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 7.846 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3671.22 N/A Employed No No
776 XX 07-XX-2026 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 6.698 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11519.89 N/A Employed No No
781 XX 07-XX-2026 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 6.537 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21197.89 N/A Employed No No
785 XX 07-XX-2026 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 16052 N/A Employed No Yes Present
786 XX 06-XX-2026 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 8.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19466.65 N/A Employed No No
790 XX 03-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
795 XX 07-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
796 XX 07-XX-2026 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 7.106 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4801.09 N/A Employed No No
798 XX 06-XX-2026 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 8.253 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4370.99 N/A Employed No No
802 XX 04-XX-2026 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 6.792 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 79994.01 N/A Employed No No
804 XX 06-XX-2026 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 7.027 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14923.95 N/A Employed No No
805 XX 07-XX-2026 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 8.824 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6225.06 N/A Employed No No
806 XX 07-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Not Tested No No No No No No No No No Not Tested 0 7.048 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21790 N/A Retired Employed No No No
807 XX 06-XX-2026 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 6.732 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 699831.81 N/A Employed No No
809 XX 07-XX-2026 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 7.847 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9996.46 N/A Employed No No
810 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
811 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
815 XX 07-XX-2026 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 7.859 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8019.92 N/A Employed Employed No No No
816 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
822 XX 07-XX-2026 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 6.966 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7368.44 N/A Employed No No
828 XX 07-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 32970.05 N/A Employed No Yes Present
829 XX 04-XX-2026 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 6.398 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20484.95 N/A Employed No No
830 XX 07-XX-2026 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 8.692 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6677.78 N/A Employed Employed No No No
831 XX 07-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
832 XX 07-XX-2026 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 7.35 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 6702.81 N/A Retired No No
833 XX 08-XX-2026 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 7.245 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 19413.68 N/A Retired No No
837 XX 07-XX-2026 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 7.879 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7515.23 N/A Employed No No
843 XX 07-XX-2026 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 7.396 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6680.27 N/A Employed No No
844 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
846 XX 05-XX-2026 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 7.173 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8432.64 N/A Employed Retired No No No
847 XX 07-XX-2026 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 7.544 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34954.4 N/A Employed Retired No No No
848 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
849 XX 06-XX-2026 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 Yes No No Not Tested 0 6.764 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6291.45 N/A Employed No No
853 XX 06-XX-2026 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 7.088 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6411.77 N/A Employed No No
855 XX 07-XX-2026 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 6.802 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8127.43 N/A Employed No No
856 XX 06-XX-2026 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 7.132 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 179542.3 N/A Employed No No
857 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
858 XX 03-XX-2026 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 165059 N/A Employed No Yes Present
859 XX 06-XX-2026 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 6.352 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 71826.21 N/A Retired Not Employed No No No
861 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
862 XX 06-XX-2026 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 7.903 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12974.31 N/A Employed No No
865 XX 07-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