Exhibit 99.4 Schedule 2

 

Marketing ID Loan ID Investor Loan ID Seller Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified? TRID tested?
218 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 261702.1 Yes Employed No Yes Present No
216 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 261673.1 Yes Employed No Yes Present No
273 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
223 XXXX XXXX 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 10179 7.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16406.37 Yes Employed Not Employed No No No Yes
263 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
226 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
212 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
230 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
254 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Yes No No No Yes No No No N/A N/A N/A Yes Yes Yes N/A Yes Yes N/A 39704.54 Yes Employed No Yes Present No
229 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
255 XXXX XXXX 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 13748.46 7.828 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23179.74 Yes Employed No No Yes
243 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
250 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
260 XXXX XXXX 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 17195 8.454 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29264.44 Yes Employed No No Yes
261 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 10005 7.896 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3480.4 Yes Employed No No Yes
235 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
221 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
268 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
220 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 11847.5 9.225 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9534.46 Yes Employed Employed No No No Yes
234 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
246 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
276 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
233 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 31895 7.968 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28136.29 Yes Employed No No Yes
267 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Present No
256 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
266 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
213 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 8277.45 Yes Employed No Yes Present No
242 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 15085.63 7.306 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 14575.99 N/A Employed No No Yes
279 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
236 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
222 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
252 XXXX XXXX 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 10610 7.446 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34283.2 Yes Employed No No Yes
282 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 243599.32 Yes Employed No Yes Present No
241 XXXX XXXX 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 17235 7.651 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 53532.53 Yes Employed No No Yes
239 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
211 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
231 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
237 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
285 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 19975 7.519 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15017.61 Yes Employed No No Yes
283 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Yes No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 48447.86 Yes Employed No Yes Present No
248 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 19813.87 7.912 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8486.45 Yes Employed No No Yes
253 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 5945 7.574 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4916.8 Yes Employed No No Yes
244 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
290 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
227 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
277 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 81425 7.061 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47828.02 Yes Employed No No Yes
245 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
247 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 71368.66 Yes Employed No Yes Present No
264 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
280 XXXX XXXX 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 63035 7.501 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 73228.05 Yes Employed No No Yes
249 XXXX XXXX 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 22195 7.135 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 34190.75 Yes Employed No No Yes
258 XXXX XXXX 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 23430.75 7.419 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16873.84 Yes Employed No No Yes
278 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 30788.29 Yes Employed No Yes Present No
205 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
265 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 8013.18 N/A Employed No Yes Present No
257 XXXX XXXX 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 22675 6.827 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 94134.82 Yes Employed No No Yes
203 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
224 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
238 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
259 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
281 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 7365 9.157 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7434.57 Yes Employed No No Yes
228 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
287 XXXX XXXX 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 10315 7.067 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4578.25 Yes Not Employed Employed No No No Yes
251 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
284 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 14695 9.203 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28836.92 Yes Employed No No Yes
286 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No Yes No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 19459.59 Yes Employed No Yes Present No
215 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
225 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes Yes Present No
206 XXXX XXXX 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 21994.99 7.277 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 68087.06 Yes Employed No No Yes
209 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
275 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
289 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
210 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
271 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
288 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 17663.75 7.254 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9188.52 Yes Employed No No Yes
262 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
219 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
272 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
207 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
269 XXXX XXXX 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 12773.75 6.893 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22076.69 Yes Employed No No Yes
274 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 11655 7.184 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4198.56 Yes Employed No No Yes
291 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
293 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
307 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
296 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
270 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
308 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
304 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No No No No No No No No No No 42985 8.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31229.56 Yes Employed No No Yes
305 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
292 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 31786.41 Yes Employed No Yes Present No
204 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
301 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
310 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 17062.34 Yes Employed No Yes Present No
240 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 21036.5 9.065 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 12282.85 Yes Employed No No Yes
208 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 8405 8.082 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24453.05 Yes Employed No No Yes
232 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
299 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
295 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes No No No No N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 573924.35 Yes Employed Employed No No Yes Present No
297 XXXX XXXX XX/XX/XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No No No Yes No No No No No No No No 28345 8.224 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 18915.28 Yes Employed No No Yes
300 XXXX XXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No Yes No No No No Yes 5601.33 7.49 N/A N/A N/A Yes Yes Yes N/A Yes Yes N/A 535935.57 Yes Employed No No Yes
309 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
217 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No No No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 276412.46 Yes Employed No Yes Present No
303 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No Yes Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
202 XXXX XXXX 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 23975 8.53 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 46110.5 Yes Employed No No Yes
294 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
214 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
306 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No Yes Present No
298 XXXX XXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No No No No No Yes No No No N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A No No Yes Present No
302 XXXX XXXX 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 10043.75 6.929 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4881.41 Yes Employed Employed No No No Yes