Client Name:
Client Project Name:	SEMT 2025-11
Start - End Dates:	5/26/2025 - 9/25/2025
Deal Loan Count:	187
Rating Agency ATR QM Data Fields
Loans in Report:	187

Loan Number

Loan Level ATR/QM Status

Application Date Prior to 1/10/2014

TRID Indicator

Lender Application Date

Broker Application Date

GSE Eligible

QRM Flag

ATR/QM Total Points and Fees

Rate Lock Date

APR

Bwr 1 Employment Indicator

Bwr 2 Employment Indicator

Bwr 1 Foreign National Indicator

Bwr 2 Foreign National Indicator

Residual Income Analysis in File

ATR/QM Residual Income

409011483

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1499

XXXXXX

6.3886

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409012814

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

3295

XXXXXX

6.6527

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409013618

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

11061.5

XXXXXX

7.2472

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409013631

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

6180.25

XXXXXX

6.9414

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409013917

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1350

XXXXXX

7.2017

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409013956

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2045

XXXXXX

7.2074

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

XXXXX

409014270

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1350

XXXXXX

7.2748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409014919

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2578.4

XXXXXX

6.9205

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409014946

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

11986.42

XXXXXX

7.0514

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409014996

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

15681.6

XXXXXX

7.1278

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409015059

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

4590.25

XXXXXX

7.1495

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

XXXXX

409015199

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

875

XXXXXX

7.109

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409015453

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2126

XXXXXX

7.0243

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409015497

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1655

XXXXXX

7.1563

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409015505

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1619

XXXXXX

6.5682

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409015554

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

109.95

XXXXXX

6.8954

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409015616

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

6.8873

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409015703

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

24380

XXXXXX

7.2083

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409015743

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1375

XXXXXX

6.8931

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409015915

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1499

XXXXXX

6.8959

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409015938

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1410

XXXXXX

7.0391

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016290

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

3010

XXXXXX

7.0251

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016342

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

3010

XXXXXX

6.554

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016348

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

14574

XXXXXX

6.3412

Unemployed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016365

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1250

XXXXXX

6.5896

Employed

Retired

U.S. Citizen

U.S. Citizen

No

XXXXX

409016521

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1680

XXXXXX

6.777

Employed

Retired

U.S. Citizen

U.S. Citizen

No

XXXXX

409016592

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

5295

XXXXXX

6.1653

Retired

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016654

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1630

XXXXXX

6.9009

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016676

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

31320

XXXXXX

7.1096

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409016681

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1687

XXXXXX

6.5275

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016690

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1424

XXXXXX

6.5383

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016713

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

550

XXXXXX

6.2863

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409016727

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

3640

XXXXXX

6.5761

Retired

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409016764

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2265

XXXXXX

6.4837

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016784

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

860

XXXXXX

6.154

Employed

Employed

U.S. Citizen

Non-Permanent Resident Alien

No

XXXXX

409016791

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

550

XXXXXX

6.4038

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016794

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

9045

XXXXXX

7.1925

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016858

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2513.75

XXXXXX

6.5342

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016881

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2940

XXXXXX

7.1464

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409016894

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

15450.95

XXXXXX

5.9848

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409016976

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1607

XXXXXX

6.9357

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017218

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

4840

XXXXXX

7.9698

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017219

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1495

XXXXXX

7.2478

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409017306

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

15515

XXXXXX

6.4882

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017317

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2365

XXXXXX

6.7684

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409017349

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1350

XXXXXX

6.8993

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017351

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1352.7

XXXXXX

6.889

Retired

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409017413

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

12602.75

XXXXXX

6.7637

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

XXXXX

409017470

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1955

XXXXXX

7.0297

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017473

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

16826.25

XXXXXX

7.5584

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409017485

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1499

XXXXXX

6.5299

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017487

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

8500

XXXXXX

6.723

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017500

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1810

XXXXXX

6.6459

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017799

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

13184

XXXXXX

6.765

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409017841

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

875

XXXXXX

6.7676

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017921

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1595

XXXXXX

6.7768

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017929

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

15495

XXXXXX

6.6548

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017991

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

15057.9

XXXXXX

7.4405

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017995

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2965

XXXXXX

6.8979

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409017996

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

2665

XXXXXX

6.4169

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018252

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1670

XXXXXX

6.5672

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018259

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

9033.75

XXXXXX

6.4001

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018261

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

5265.2

XXXXXX

6.5619

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018269

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

20766.8

XXXXXX

7.4149

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

XXXXX

409018272

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1350

XXXXXX

6.5217

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018277

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

13589.38

XXXXXX

6.8976

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018280

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1670

XXXXXX

6.4364

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018374

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

18817.97

XXXXXX

6.7704

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018378

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1499

XXXXXX

7.155

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018380

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1610

XXXXXX

6.9045

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018387

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

995

XXXXXX

6.3901

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018404

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2790.8

XXXXXX

6.3989

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018406

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

6.875

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018408

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1200

XXXXXX

7.1348

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018432

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2225.25

XXXXXX

6.8971

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018438

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2134.8

XXXXXX

6.5263

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018448

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1640

XXXXXX

6.5314

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018460

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1490

XXXXXX

6.6473

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018491

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1650

XXXXXX

7.0208

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018496

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

5470

XXXXXX

6.5003

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018505

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

15103

XXXXXX

6.9554

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018522

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2280.15

XXXXXX

6.6464

Retired

Retired

U.S. Citizen

U.S. Citizen

Yes

XXXXX

409018528

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1768.25

XXXXXX

6.185

Employed

Retired

U.S. Citizen

U.S. Citizen

No

XXXXX

409018593

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1670

XXXXXX

6.7748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018594

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

3004

XXXXXX

6.5567

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018606

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

6.509

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018617

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1970

XXXXXX

6.9024

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

No

XXXXX

409018619

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

4998

XXXXXX

6.4142

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018709

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1297

XXXXXX

6.8916

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018724

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2159.4

XXXXXX

6.5135

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018735

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2299.8

XXXXXX

7.0222

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018738

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

37256

XXXXXX

7.1833

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018750

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1595

XXXXXX

7.1452

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018753

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1735.25

XXXXXX

6.9473

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018763

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1415

XXXXXX

6.7751

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018766

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1640

XXXXXX

6.2741

Employed

Employed

Non-Permanent Resident Alien

U.S. Citizen

No

XXXXX

409018823

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

6.8882

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018834

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2078.25

XXXXXX

6.6559

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018844

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

16335

XXXXXX

6.8005

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018854

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1698

XXXXXX

6.6939

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018856

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1710

XXXXXX

6.9007

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018880

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1690

XXXXXX

6.7988

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018890

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

2780

XXXXXX

6.5224

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018891

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1790

XXXXXX

6.6503

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018909

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

6.4008

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

XXXXX

409018919

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1695

XXXXXX

6.5237

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

XXXXX

409018933

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1499

XXXXXX

6.3905

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018948

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1450

XXXXXX

6.1507

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018954

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

8356

XXXXXX

6.4266

Employed

Employed

Permanent Resident Alien

U.S. Citizen

Yes

XXXXX

409018955

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

10935

XXXXXX

6.6007

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018969

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1575.25

XXXXXX

6.6434

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409018972

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1625

XXXXXX

6.0719

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409018981

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1595

XXXXXX

6.525

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

XXXXX

409018983

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1670

XXXXXX

6.6482

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409019075

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

6.6409

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409019162

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2045

XXXXXX

6.8971

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

XXXXX

409019168

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

6.9968

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409019379

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

10295

XXXXXX

6.6605

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409019385

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1499

XXXXXX

6.2718

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409019429

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

2050.25

XXXXXX

6.9009

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409019434

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

130.25

XXXXXX

6.6335

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409019450

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2125

XXXXXX

6.6528

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409019489

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1419

XXXXXX

7.0278

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409019506

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1948

XXXXXX

6.6896

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

XXXXX

409019532

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1950

XXXXXX

7.0619

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

XXXXX

409019536

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1640

XXXXXX

6.27

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409019544

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1145

XXXXXX

6.894

Retired

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409019567

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

17775

XXXXXX

6.4967

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409019598

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

17095

XXXXXX

7.0553

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409020593

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

12304

XXXXXX

6.6225

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020596

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1320

XXXXXX

7.2629

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020600

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1645

XXXXXX

7.0233

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020627

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1790

XXXXXX

6.4905

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409020637

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1749

XXXXXX

7.3859

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409020640

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1640

XXXXXX

6.2619

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

XXXXX

409020649

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1640

XXXXXX

6.3945

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409020656

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1695

XXXXXX

6.5287

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020661

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1210

XXXXXX

6.6722

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409020673

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1650

XXXXXX

6.7722

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409020684

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

3926.24

XXXXXX

6.9141

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020686

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

16075

XXXXXX

6.9148

Retired

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409020702

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

20195

XXXXXX

6.8051

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020707

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1695

XXXXXX

6.4229

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020725

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1770

XXXXXX

6.6498

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020734

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

13345

XXXXXX

6.3612

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

XXXXX

409020736

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

4934

XXXXXX

6.6548

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

XXXXX

409020737

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2070

XXXXXX

6.6554

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020745

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1690

XXXXXX

6.397

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

XXXXX

409020747

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1670

XXXXXX

6.5155

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020754

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

8170

XXXXXX

6.3507

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020810

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1174.45

XXXXXX

6.8935

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

XXXXX

409020815

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

6.5225

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020837

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2125.25

XXXXXX

6.518

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020979

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1595

XXXXXX

6.3925

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409020988

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1514.95

XXXXXX

6.7799

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409020999

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1494

XXXXXX

6.9018

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021009

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1595

XXXXXX

6.901

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409021012

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

3150

XXXXXX

6.5834

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021019

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1999

XXXXXX

7.1887

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021021

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1640

XXXXXX

6.4115

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021023

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

10745

XXXXXX

7.0095

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021074

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1670

XXXXXX

6.651

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021101

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2070

XXXXXX

6.6564

Employed

Unemployed

U.S. Citizen

Permanent Resident Alien

No

XXXXX

409021114

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

12185

XXXXXX

6.6183

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021119

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1770

XXXXXX

7.1575

Employed

Retired

U.S. Citizen

U.S. Citizen

No

XXXXX

409021147

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

2070

XXXXXX

6.5402

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409021158

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

12752

XXXXXX

6.8045

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021178

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

9744.5

XXXXXX

6.433

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409021192

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

14576.88

XXXXXX

6.8705

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021244

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1780

XXXXXX

6.6447

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021249

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1895

XXXXXX

5.9665

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

XXXXX

409021253

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1675

XXXXXX

6.9826

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409021304

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1087.76

XXXXXX

6.9134

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021308

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2098

XXXXXX

6.9198

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021589

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1623

XXXXXX

6.6475

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

XXXXX

409021618

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1695

XXXXXX

6.6563

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

XXXXX

409021624

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1595

XXXXXX

6.5111

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021641

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

2356

XXXXXX

6.8791

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

XXXXX

409021650

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1920.25

XXXXXX

6.3865

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021673

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1240

XXXXXX

6.761

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409021752

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1695

XXXXXX

6.7875

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021753

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1865

XXXXXX

6.4347

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409021799

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

1500

XXXXXX

6.3895

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

XXXXX

409021802

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

16181.96

XXXXXX

6.5606

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX

409021815

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

2070

XXXXXX

6.5285

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409022300

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

Yes

Yes

1590

XXXXXX

6.3947

Employed

Employed

U.S. Citizen

U.S. Citizen

No

XXXXX

409023738

QM: Safe Harbor (APOR)

No

Yes

XXXXXX

XXXXXX

No

Yes

21770

XXXXXX

6.8849

Employed

(No Data)

U.S. Citizen

(No Data)

No

XXXXX