EX-99.4 16 ex99-4s1.htm SCHEDULE 1 - NON ATR QM UPLOAD REPORT

Exhibit 99.4 - Schedule 1

Client Name:
Client Project Name:	MSRM 2025-NQM2
Start - End Dates:	11/15/2023 - 12/27/2024
Deal Loan Count:	178


ATR QM Upload

Loans in Report:	178

Loan Number

Deal

Seller Loan Number

Original Principal Balance

State

Loan Level ATR/QM Status

Lender Provided ATR/QM Worksheet

Initial Lender ATR/QM Status

Application Date

Borrowers Qualified Through a Non-Resident Alien Program

Occupancy

Property Type

Number of Units

Loan Type

Exempt Loan Product Type

Exempt Loan Housing Agency

Community Housing Development

Credit Under Economic Stabilization Act Of 2008

Refinance Of Non-Standard Mortgage

Higher Priced Covered Transaction

State Prepay Exceptions

Loan Purpose

Loan Term Exceeds 30 Years

Interest Only Feature

Negative Amortization

Balloon Payment

Prepay Penalty Flag

Prepayment Penalty Type

Prohibited Prepayment Penalty

Exceeds Points And Fees

Exceeds DTI Limit

Lien Position

APR

QM Calculated DTI Adherence

QM Lenders DTI Adherence

QM Fee Adherence - Total Charges %

QM Fee Adherence - Lenders Fee %

Fannie Mae Eligible

Freddie Mac Eligible

VA Guaranty Eligible

FHA Insured Eligible

USDA Guarantee Eligible

Rural Housing Service Insured Eligible

QM - Expected Income Or Assets For DTI

QM - Current Employment Status For DTI

QM - Monthly Payment On Subject Loan For DTI

QM - Monthly Payment On Additional Loan For DTI

QM - Monthly Payment Mortgage Related Obligations

QM - Current Debt Obligations Alimony and Child Support for DTI

QM - Monthly DTI Ratio Or Residual Income

ATR - Guidelines Provided to Document Approach

ATR - Current And Expected Income And Assets

ATR - Current Employment Status

ATR - Mortgage Payment Obligation

ATR - Mortgage Payment on Simultaneous Transaction

ATR - Payment For Mortgage Related Obligations

ATR - Debt Obligations Including Alimony and Child Support

ATR - Monthly DTI Ratio or Residual Income

ATR - Consumer Credit History

ATR Lenders - DTI (Back)

ATR Calculated DTI (Back)

QM Lender Value DTI (Back)

QM Calculated DTI (Back)

Initial DTI (Back)

DTI Qualifying (Back)

Residual Income Analysis in File

Residual Income Guidelines

Did Loan Meet Guidelines

Residual Income Amount

Short Sale

Short Sale Date

Deed In Lieu

Deed In Lieu Date

QRM Flag

Borrower 2 Guarantor Flag

Borrower 3 Guarantor Flag

Borrower 4 Guarantor Flag

Borrower 1 Paystub Flag

Borrower 1 Paystub Number of Months

Borrower 2 Paystub Flag

Borrower 2 Paystub Number of Months

Borrower 3 Paystub Flag

Borrower 3 Paystub Number of Months

Borrower 4 Paystub Flag

Borrower 4 Paystub Number of Months

Borrower 1 W2 Flag

Borrower 1 W2 Number of Months

Borrower 2 W2 Flag

Borrower 2 W2 Number of Months

Borrower 3 W2 Flag

Borrower 3 W2 Number of Months

Borrower 4 W2 Flag

Borrower 4 W2 Number of Months

Borrower 1 Personal Tax Return Flag

Borrower 1 Personal Tax Return Number of Months

Borrower 2 Personal Tax Return Flag

Borrower 2 Personal Tax Return Number of Months

Borrower 3 Personal Tax Return Flag

Borrower 3 Personal Tax Return Number of Months

Borrower 4 Personal Tax Return Flag

Borrower 4 Personal Tax Return Number of Months

Borrower 1 Business Tax Return Flag

Borrower 1 Business Tax Return Number of Months

Borrower 2 Business Tax Return Flag

Borrower 2 Business Tax Return Number of Months

Borrower 3 Business Tax Return Flag

Borrower 3 Business Tax Return Number of Months

Borrower 4 Business Tax Return Flag

Borrower 4 Business Tax Return Number of Months

Borrower 1 Verbal VOE Flag

Borrower 1 Verbal VOE Number of Months

Borrower 2 Verbal VOE Flag

Borrower 2 Verbal VOE Number of Months

Borrower 3 Verbal VOE Flag

Borrower 3 Verbal VOE Number of Months

Borrower 4 Verbal VOE Flag

Borrower 4 Verbal VOE Number of Months

Borrower 1 Written VOE Flag

Borrower 1 Written VOE Number of Months

Borrower 2 Written VOE Flag

Borrower 2 Written VOE Number of Months

Borrower 3 Written VOE Flag

Borrower 3 Written VOE Number of Months

Borrower 4 Written VOE Flag

Borrower 4 Written VOE Number of Months

Borrower 1 P&L Flag

Borrower 1 P&L Number of Months

Borrower 2 P&L Flag

Borrower 2 P&L Number of Months

Borrower 3 P&L Flag

Borrower 3 P&L Number of Months

Borrower 4 P&L Flag

Borrower 4 P&L Number of Months

Borrower 1 Lease Agreement Flag

Borrower 1 Lease Agreement Number of Months

Borrower 2 Lease Agreement Flag

Borrower 2 Lease Agreement Number of Months

Borrower 3 Lease Agreement Flag

Borrower 3 Lease Agreement Number of Months

Borrower 4 Lease Agreement Flag

Borrower 4 Lease Agreement Number of Months

Is the Loan a Short-Term Rental?

Equity Income Flag

Equity Income Amount

Equity Income Number of Months

DSCR with Rent Schedule Flag

DSCR with Rent Schedule Income Amount

DSCR with Lease Agreement Flag

DSCR with Lease Agreement Income Amount

DSCR %

Borrower 1 CPA Letter with Income Flag

Borrower 1 CPA Letter with Income Number of Months

Borrower 1 CPA Letter without Income Flag

Borrower 1 CPA Letter without Income Number of Months

Borrower 2 CPA Letter with Income Flag

Borrower 2 CPA Letter with Income Number of Months

Borrower 2 CPA Letter without Income Flag

Borrower 2 CPA Letter without Income Number of Months

Borrower 3 CPA Letter with Income Flag

Borrower 3 CPA Letter with Income Number of Months

Borrower 3 CPA Letter without Income Flag

Borrower 3 CPA Letter without Income Number of Months

Borrower 4 CPA Letter with Income Flag

Borrower 4 CPA Letter with Income Number of Months

Borrower 4 CPA Letter without Income Flag

Borrower 4 CPA Letter without Income Number of Months

Borrower 1 Personal Bank Statements Flag

Borrower 1 Personal Bank Statements Number of Months

Borrower 2 Personal Bank Statements Flag

Borrower 2 Personal Bank Statements Number of Months

Borrower 3 Personal Bank Statements Flag

Borrower 3 Personal Bank Statements Number of Months

Borrower 4 Personal Bank Statements Flag

Borrower 4 Personal Bank Statements Number of Months

Borrower 1 Business Bank Statements Flag

Borrower 1 Business Bank Statements Number of Months

Borrower 2 Business Bank Statements Flag

Borrower 2 Business Bank Statements Number of Months

Borrower 3 Business Bank Statements Flag

Borrower 3 Business Bank Statements Number of Months

Borrower 4 Business Bank Statements Flag

Borrower 4 Business Bank Statements Number of Months

Borrower 1 Award Letter Flag

Borrower 1 Award Letter Number of Months

Borrower 2 Award Letter Flag

Borrower 2 Award Letter Number of Months

Borrower 3 Award Letter Flag

Borrower 3 Award Letter Number of Months

Borrower 4 Award Letter Flag

Borrower 4 Award Letter Number of Months

Borrower 1 Offer Letter Flag

Borrower 1 Offer Letter Number of Months

Borrower 2 Offer Letter Flag

Borrower 2 Offer Letter Number of Months

Borrower 3 Offer Letter Flag

Borrower 3 Offer Letter Number of Months

Borrower 4 Offer Letter Flag

Borrower 4 Offer Letter Number of Months

Borrower 1 IRS Transcripts - Tax Returns Flag

Borrower 1 IRS Transcripts - Tax Returns Number of Months

Borrower 1 IRS Transcripts - W2s Flag

Borrower 1 IRS Transcripts - W2s Number of Months

Borrower 2 IRS Transcripts - Tax Returns Flag

Borrower 2 IRS Transcripts - Tax Returns Number of Months

Borrower 2 IRS Transcripts - W2s Flag

Borrower 2 IRS Transcripts - W2s Number of Months

Borrower 3 IRS Transcripts - Tax Returns Flag

Borrower 3 IRS Transcripts - Tax Returns Number of Months

Borrower 3 IRS Transcripts - W2s Flag

Borrower 3 IRS Transcripts - W2s Number of Months

Borrower 4 IRS Transcripts - Tax Returns Flag

Borrower 4 IRS Transcripts - Tax Returns Number of Months

Borrower 4 IRS Transcripts - W2s Flag

Borrower 4 IRS Transcripts - W2s Number of Months

Borrower 1 Income Doc Type Summary

Borrower 2 Income Doc Type Summary

Borrower 3 Income Doc Type Summary

Borrower 4 Income Doc Type Summary

8102431

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Rate and Term Refi

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

8.0001

(No Data)

-7001.61

(No Data)

Yes

(No Data)

Yes

10393.00

1.4844

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8102404

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.5000

(No Data)

-2437.91

(No Data)

Yes

(No Data)

Yes

2820.00

1.1567

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8102433

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.8751

(No Data)

-2765.8

(No Data)

Yes

(No Data)

Yes

3800.00

(No Data)

1.3739

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215919

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

5% of amt prepd

(No Data)

Yes

6.6250

(No Data)

-3105.92

(No Data)

Yes

4250.00

(No Data)

1.3684

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215923

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.6250

(No Data)

-3644.97

(No Data)

Yes

(No Data)

Yes

6800.00

1.8656

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8189517

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.3750

(No Data)

-1346.26

(No Data)

Yes

2200.00

1.6342

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8189485

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

7.3750

(No Data)

-1622.08

(No Data)

Yes

1800.00

(No Data)

1.1097

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215940

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR-Attached

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.3750

(No Data)

-1800.43

(No Data)

Yes

2125.00

(No Data)

1.1803

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215943

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.7500

(No Data)

-4788.11

(No Data)

Yes

(No Data)

Yes

5400.00

(No Data)

1.1278

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215858

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.1251

(No Data)

-2646.42

(No Data)

Yes

2750.00

(No Data)

1.0391

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215927

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.5000

(No Data)

-1046.73

(No Data)

Yes

(No Data)

Yes

1800.00

(No Data)

1.7196

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215929

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.6250

(No Data)

-2521.75

(No Data)

Yes

(No Data)

Yes

4480.00

(No Data)

1.7765

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215930

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Rate and Term Refi

Yes

5% of amt prepd

(No Data)

Yes

6.7500

(No Data)

-2831.68

(No Data)

Yes

(No Data)

Yes

5450.00

1.9247

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8215934

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.0000

(No Data)

-2314.47

(No Data)

Yes

2400.00

(No Data)

1.0370

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215935

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.9900

(No Data)

-4939.34

(No Data)

Yes

(No Data)

Yes

5000.00

(No Data)

1.0123

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215848

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.3750

(No Data)

-2881.89

(No Data)

Yes

2525.00

(No Data)

0.8762

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215863

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

7.7501

(No Data)

-1448.58

(No Data)

Yes

1700.00

(No Data)

1.1736

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215865

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.7501

(No Data)

-3529.3

(No Data)

Yes

(No Data)

Yes

4300.00

(No Data)

1.2184

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215853

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5%, 4%, 3% on amt prepd in yr 1,2,3

(No Data)

Yes

6.8750

(No Data)

-4085.19

(No Data)

Yes

(No Data)

Yes

4900.00

(No Data)

1.1995

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215898

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5000

(No Data)

-2233.24

(No Data)

Yes

(No Data)

Yes

2500.00

(No Data)

1.1194

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215891

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.3750

(No Data)

-1810.68

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

2750.00

(No Data)

1.5188

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215885

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Rate and Term Refi

Yes

5%, 4%, 3% on amt prepd in yr 1,2,3

(No Data)

Yes

7.5000

(No Data)

-1825.64

(No Data)

Yes

(No Data)

Yes

1600.00

(No Data)

0.8764

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8215840

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.5001

(No Data)

-1882.45

(No Data)

Yes

(No Data)

Yes

2100.00

(No Data)

1.1156

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985852

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3% on amt prepd in yr 1,2,3

(No Data)

Yes

7.5000

(No Data)

-7900.23

(No Data)

Yes

(No Data)

Yes

9150.00

(No Data)

1.1582

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985844

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo (5-8)

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.8751

(No Data)

-3140.78

(No Data)

Yes

(No Data)

Yes

2850.00

(No Data)

0.9074

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

9004032

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.1250

(No Data)

-1477.03

(No Data)

Yes

(No Data)

Yes

1400.00

(No Data)

0.9478

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8989757

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

7.4900

(No Data)

-6996.19

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

7950.00

(No Data)

1.1363

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985906

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

7.6250

(No Data)

-5499.54

(No Data)

Yes

6900.00

1.2547

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8985861

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

7.2499

(No Data)

-4466.21

(No Data)

Yes

6300.00

Yes

6300.00

1.4106

(No Data)

DSCR - w/rent schedule - 0 months;

DSCR - w/lease agreement - 0 months;

(No Data)

8985851

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

5% of amt prepd

(No Data)

Yes

6.9900

(No Data)

-3968.67

(No Data)

Yes

(No Data)

Yes

4150.00

(No Data)

1.0457

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985857

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

5% of amt prepd

(No Data)

Yes

6.8750

(No Data)

-2016.75

(No Data)

Yes

(No Data)

Yes

2040.00

1.0115

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8985743

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Rate and Term Refi

Yes

5% of amt prepd

(No Data)

Yes

7.8751

(No Data)

-3896.5

(No Data)

Yes

4800.00

(No Data)

1.2319

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985734

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.0000

(No Data)

-2495.3

(No Data)

Yes

2700.00

(No Data)

1.0820

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985862

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.7501

(No Data)

-3562.18

(No Data)

Yes

(No Data)

Yes

3700.00

(No Data)

1.0387

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985841

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.8750

(No Data)

-1206.06

(No Data)

Yes

1300.00

(No Data)

1.0779

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985789

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.5000

(No Data)

-1790.11

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

4902.00

(No Data)

2.7384

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985797

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.8751

(No Data)

-2739.07

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

3280.00

(No Data)

1.1975

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985698

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.1251

(No Data)

-1346.02

(No Data)

Yes

1550.00

(No Data)

1.1515

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8989774

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

7.9947

(No Data)

-5497.26

(No Data)

Yes

(No Data)

Yes

5500.00

(No Data)

1.0005

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985917

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.6250

(No Data)

-3582.63

(No Data)

Yes

3600.00

(No Data)

1.0048

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985865

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.7501

(No Data)

-2874.27

(No Data)

Yes

(No Data)

Yes

2300.00

(No Data)

0.8002

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985707

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.6251

(No Data)

-4243.36

(No Data)

Yes

4250.00

(No Data)

1.0016

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985829

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.3750

(No Data)

-1673.42

(No Data)

Yes

1850.00

(No Data)

1.1055

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985867

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.7501

(No Data)

-1751.21

(No Data)

Yes

1895.00

(No Data)

1.0821

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985742

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.3750

(No Data)

-985.86

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

1400.00

(No Data)

1.4201

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985778

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.0001

(No Data)

-5217.27

(No Data)

Yes

4900.00

0.9392

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8985823

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

8.2500

(No Data)

-1179.3

(No Data)

Yes

1900.00

(No Data)

1.6111

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985868

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.2500

(No Data)

-3870.4

(No Data)

Yes

(No Data)

Yes

3940.00

(No Data)

1.0180

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985785

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.8751

(No Data)

-10295.27

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

17908.00

(No Data)

1.7394

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985893

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.5000

(No Data)

-3361.4

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

3482.00

(No Data)

1.0359

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985744

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0001

(No Data)

-2361.76

(No Data)

Yes

(No Data)

Yes

2650.00

(No Data)

1.1220

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985843

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.3750

(No Data)

-2424.87

(No Data)

Yes

2500.00

(No Data)

1.0310

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985805

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.5000

(No Data)

-3104.8

(No Data)

Yes

(No Data)

Yes

3700.00

(No Data)

1.1917

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985729

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.2500

(No Data)

-1196.81

(No Data)

Yes

(No Data)

Yes

1375.00

(No Data)

1.1489

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985746

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.4900

(No Data)

-4379.06

(No Data)

Yes

(No Data)

Yes

5625.00

(No Data)

1.2845

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985762

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.7500

(No Data)

-2234.69

(No Data)

Yes

(No Data)

Yes

3200.00

(No Data)

1.4320

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985948

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.5000

(No Data)

-5387.04

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

5600.00

(No Data)

1.0395

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985791

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.7500

(No Data)

-4781.62

(No Data)

Yes

(No Data)

Yes

4800.00

(No Data)

1.0038

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985773

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.5000

(No Data)

-2110.94

(No Data)

Yes

2300.00

(No Data)

1.0896

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985697

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.8751

(No Data)

-10311.37

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

17908.00

(No Data)

1.7367

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985879

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.8750

(No Data)

-2149.64

(No Data)

Yes

2200.00

(No Data)

1.0234

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985761

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

8.2500

(No Data)

-1175.12

(No Data)

Yes

1485.00

(No Data)

1.2637

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

9004053

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR-Attached

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.6250

(No Data)

-5490.97

(No Data)

Yes

4700.00

(No Data)

0.8560

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985871

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

6.8750

(No Data)

-1402.84

(No Data)

Yes

(No Data)

Yes

2300.00

(No Data)

1.6395

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985727

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.9294

Yes

3.376

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

41.15

Yes

8160.18

(No Data)

Yes

132

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 24 months;
CPA Letter with Income - 132 months;

Business Bank Statements - 24 months;
CPA Letter with Income - 24 months;

(No Data)

8985821

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.1250

(No Data)

-1733.62

(No Data)

Yes

1800.00

(No Data)

1.0383

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985806

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5000

(No Data)

-1884.09

(No Data)

Yes

1900.00

(No Data)

1.0084

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8989797

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.5000

(No Data)

-1159.92

(No Data)

Yes

1400.00

(No Data)

1.2070

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985817

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Purchase

(No Data)

Yes

7.8751

(No Data)

-3979.61

(No Data)

Yes

3900.00

(No Data)

0.9800

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8989812

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Rate and Term Refi

Yes

5% of amt prepd

(No Data)

Yes

7.3750

(No Data)

-6170.91

(No Data)

Yes

(No Data)

Yes

7714.00

(No Data)

1.2501

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985846

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.8751

(No Data)

-1796.6

(No Data)

Yes

1900.00

(No Data)

1.0576

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985902

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.8750

(No Data)

-1325.64

(No Data)

Yes

1400.00

(No Data)

1.0561

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985730

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.8750

(No Data)

-1146.54

(No Data)

Yes

1300.00

(No Data)

1.1338

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985954

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.8750

(No Data)

-1330.57

(No Data)

Yes

1400.00

(No Data)

1.0522

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985782

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.8750

(No Data)

-2198.69

(No Data)

Yes

2200.00

(No Data)

1.0006

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985889

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

6.8749

(No Data)

-12013.24

(No Data)

Yes

13500.00

1.1238

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8989815

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.9901

(No Data)

-5232.54

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

5600.00

(No Data)

1.0702

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985701

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.0001

(No Data)

-3667.38

(No Data)

Yes

3700.00

(No Data)

1.0089

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985914

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.5000

(No Data)

-1885.97

(No Data)

Yes

(No Data)

Yes

2500.00

1.3256

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8997605

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5%, 3%, 1% on amt prepd in yr 1,2,3

(No Data)

Yes

8.3287

(No Data)

-2054.16

(No Data)

Yes

2100.00

(No Data)

1.0223

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985758

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.7500

(No Data)

-4836.87

(No Data)

Yes

3975.00

(No Data)

0.8218

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

9004094

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

9.4623

Yes

1.308

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

13.11

(No Data)

45776.97

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 60 months;

(No Data)

8997568

XXXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.3443

Yes

2.154

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

14.52

10.18

14.52

10.18

(No Data)

106474.78

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter - 24 months;

(No Data)

8997604

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.7501

(No Data)

-8253.61

(No Data)

Yes

7000.00

(No Data)

0.8481

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8989835

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

8.2500

(No Data)

-2247.91

(No Data)

Yes

2000.00

(No Data)

0.8897

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

6968160

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

9.0000

(No Data)

-2827.51

(No Data)

Yes

2200.00

(No Data)

0.7780

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

6968237

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

2 mos interest on amt prepd in 12 mos >1/3 of OPB

(No Data)

Yes

10.3750

1.153

(No Data)

-2666.54

(No Data)

Yes

2100.00

(No Data)

0.7875

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

6972245

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.9078

Yes

3.528

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

40.81

40.76

40.81

40.76

Yes

3240.51

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

6986117

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.8750

Yes

(No Data)

40.69

(No Data)

15546.24

(No Data)

Yes

230

(No Data)

Yes

(No Data)

CPA Letter without Income - 230 months;
Personal Bank Statements - 12 months;

(No Data)

7002873

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

9.7500

(No Data)

-1861.65

(No Data)

Yes

2070.00

(No Data)

1.1119

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8087209

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.4001

Yes

4.002

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

34.97

34.62

34.97

34.62

Yes

7590.56

(No Data)

Yes

(No Data)

Personal Bank Statements - 12 months;

(No Data)

7044016

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.6776

0.651

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

49.83

(No Data)

7507.53

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

Personal Bank Statements - 2 months;
W2 - 24 months;

7044065

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.1250

Yes

(No Data)

29.99

(No Data)

34535.81

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

7044067

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.8750

(No Data)

-1905.64

(No Data)

Yes

(No Data)

Yes

1500.00

(No Data)

0.7871

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8175692

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Rate and Term Refi

Yes

5% of amt prepd

(No Data)

Yes

8.9990

(No Data)

-1228.96

(No Data)

Yes

(No Data)

Yes

1100.00

(No Data)

0.8951

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8175652

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.7500

(No Data)

-1797.36

(No Data)

Yes

(No Data)

Yes

1800.00

(No Data)

1.0014

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8175596

XXXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

Yes

(No Data)

Yes

7.7449

1.321

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

46.6

50.93

46.6

46.76

(No Data)

14783.3

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 72 months;

(No Data)

8175687

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.6250

(No Data)

-2011.36

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

2240.00

(No Data)

1.1136

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8175708

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR-Attached

Conventional

(No Data)

Purchase

Yes

2 mos interest on amt prepd in 12 mos >1/3 of OPB

(No Data)

Yes

7.9991

(No Data)

-1596.51

(No Data)

Yes

(No Data)

Yes

2000.00

(No Data)

1.2527

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8175715

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.5000

(No Data)

-5111.66

(No Data)

Yes

6660.00

(No Data)

1.3029

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8175657

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

8.2500

(No Data)

-2319.24

(No Data)

Yes

2325.00

(No Data)

1.0024

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442188

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.6674

Yes

3.917

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

6.57

6.02

6.57

6.02

(No Data)

66613.13

(No Data)

Yes

(No Data)

Business Bank Statements - 15 months;
CPA Letter - 36 months;

(No Data)

8442189

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

9.0689

Yes

2.654

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

40.38

Yes

7470.88

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442157

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

8.6695

Yes

2.343

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

14.71

Yes

57337.61

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

8442364

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Yes

(No Data)

Purchase

(No Data)

Yes

8.3750

(No Data)

-1391.31

(No Data)

Yes

(No Data)

Yes

2050.00

(No Data)

1.4734

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442231

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.3750

(No Data)

-1550.01

(No Data)

Yes

(No Data)

Yes

1200.00

(No Data)

0.7741

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442159

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

6.8374

Yes

4.797

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

18.29

(No Data)

34481.53

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 96 months;

(No Data)

8442325

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.6250

(No Data)

-2399.62

(No Data)

Yes

3000.00

(No Data)

1.2501

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442190

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

7.8307

Yes

1.908

0.000

(No Data)

Not Applicable

(No Data)

41.72

(No Data)

6265.68

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 14 months;
CPA Letter without Income - 36 months;

(No Data)

8442241

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

8.6250

(No Data)

-1723.87

(No Data)

Yes

1725.00

(No Data)

1.0006

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442270

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.2500

(No Data)

-5013.74

(No Data)

Yes

(No Data)

Yes

5200.00

(No Data)

1.0371

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442161

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.7446

Yes

1.055

0.000

(No Data)

Not Applicable

(No Data)

36.91

Yes

11021.11

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442298

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Rate and Term Refi

Yes

5% of amt prepd

(No Data)

Yes

8.2500

(No Data)

-2616.11

(No Data)

Yes

(No Data)

Yes

2925.00

(No Data)

1.1180

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442272

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.8750

(No Data)

-5597.43

(No Data)

Yes

(No Data)

Yes

5800.00

(No Data)

1.0361

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442225

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.3750

(No Data)

-2775.68

(No Data)

Yes

2100.00

(No Data)

0.7565

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442162

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

7.6107

4.566

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

49.95

Yes

2416.22

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 48 months;
Paystub - 1 months;
Personal Bank Statements - 12 months;
W2 - 12 months;
Written VOE - 20 months;

(No Data)

8442163

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

Yes

7.6591

Yes

3.862

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

30.18

31.03

30.18

31.03

Yes

4939.85

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442164

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.6032

Yes

2.201

Not Applicable

(No Data)

Not Applicable

(No Data)

42.96

(No Data)

15308.68

(No Data)

Yes

(No Data)

Business Bank Statements - 14 months;

(No Data)

8442165

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.7737

Yes

4.079

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

27.89

Yes

30210.55

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 48 months;

(No Data)

8442194

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

9.6592

Yes

2.264

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

18.33

18.84

18.33

18.84

(No Data)

21923.67

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442195

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.6663

2.408

0.000

(No Data)

Not Applicable

(No Data)

49.18

Yes

9893.12

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442226

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

(No Data)

Yes

8.5000

(No Data)

-2516.13

(No Data)

Yes

1900.00

(No Data)

0.7551

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442227

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.3750

(No Data)

-2751.85

(No Data)

Yes

2050.00

(No Data)

0.7446

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442289

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.3750

(No Data)

-8954.91

(No Data)

Yes

(No Data)

Yes

9700.00

(No Data)

1.0832

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442198

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

8.1193

Yes

2.931

0.000

(No Data)

Not Applicable

(No Data)

27.66

27.64

27.66

27.64

(No Data)

7710.93

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 60 months;

(No Data)

8442243

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.8750

(No Data)

-2286.33

(No Data)

Yes

2300.00

(No Data)

1.0059

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442338

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

6.6250

(No Data)

-2383.01

(No Data)

Yes

(No Data)

Yes

3100.00

(No Data)

1.3008

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442167

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.1757

Yes

1.729

1.697

(No Data)

Not Applicable

(No Data)

31.65

31.07

31.65

31.07

(No Data)

74661.2

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442233

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.9991

(No Data)

-4598.5

(No Data)

Yes

(No Data)

Yes

3800.00

(No Data)

0.8263

(No Data)

DSCR - w/rent schedule - 0 months;

8442199

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.4637

2.595

Not Applicable

(No Data)

Not Applicable

(No Data)

47.44

(No Data)

8381.91

(No Data)

Yes

(No Data)

Business Bank Statements - 14 months;

(No Data)

8442296

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

6.6250

(No Data)

-2892.03

(No Data)

Yes

3200.00

(No Data)

1.1064

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442168

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

6.7420

Yes

1.152

1.138

(No Data)

Not Applicable

(No Data)

21.64

(No Data)

52008.15

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442305

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

6.9990

(No Data)

-2420.3

(No Data)

Yes

(No Data)

Yes

2750.00

(No Data)

1.1362

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442201

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.2822

Yes

2.176

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

42.85

2.85

Yes

14812.47

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

1099 - 24 months;
Paystub - 1 months;
W2 - 24 months;

(No Data)

8442202

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.4887

Yes

3.641

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

41.51

41.87

41.51

41.87

(No Data)

6468.31

(No Data)

Yes

(No Data)

Business Bank Statements - 14 months;

(No Data)

8442170

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.3471

Yes

2.027

0.000

(No Data)

Not Applicable

(No Data)

42.62

43.09

42.62

43.09

(No Data)

6994.73

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442171

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.1310

Yes

2.579

0.000

(No Data)

Not Applicable

(No Data)

37.22

Yes

11063.91

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;
Paystub - 1 months;
W2 - 12 months;

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

8442204

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.4091

0.157

0.000

(No Data)

Not Applicable

(No Data)

48.14

(No Data)

10267.51

(No Data)

Yes

120

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 120 months;

(No Data)

8442378

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Rate and Term Refi

Yes

2 mos interest on amt prepd in 12 mos >1/3 of OPB

(No Data)

Yes

7.5000

Yes

0.833

(No Data)

34.69

(No Data)

19566.18

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;

(No Data)

8442339

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

6.9990

(No Data)

-4215.85

(No Data)

Yes

(No Data)

Yes

5800.00

(No Data)

1.3757

(No Data)

DSCR - w/rent schedule - 0 months;

8442206

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

8.1981

3.797

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.4

43.18

43.4

43.18

(No Data)

2985.06

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

228

(No Data)

Paystub - 1 months;
Verbal VOE with Income - 228 months;
Verbal VOE with Income - 228 months;
W2 - 12 months;

(No Data)

8442235

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

9.3750

(No Data)

-2973.11

(No Data)

Yes

(No Data)

Yes

2500.00

(No Data)

0.8408

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442207

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.8880

Yes

3.866

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

31.98

(No Data)

8941.19

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;

(No Data)

8442173

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.5460

Yes

1.674

Not Applicable

(No Data)

Not Applicable

(No Data)

27.34

27.38

27.34

27.38

(No Data)

34230.05

(No Data)

Yes

(No Data)

Personal Bank Statements - 12 months;

(No Data)

8442237

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

9.2500

(No Data)

-5084.89

(No Data)

Yes

(No Data)

Yes

4400.00

0.8653

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

8442379

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.3750

(No Data)

49.95

(No Data)

6065.71

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;

(No Data)

8442210

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

7.8171

Yes

2.241

0.000

(No Data)

Not Applicable

(No Data)

41.5

41.49

41.5

41.49

(No Data)

31154.68

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442174

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Second Home

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.1650

Yes

2.847

Not Applicable

(No Data)

Not Applicable

(No Data)

-1944.26

(No Data)

8442247

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.7501

(No Data)

-1046.12

(No Data)

Yes

(No Data)

Yes

1050.00

(No Data)

1.0037

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442211

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.2482

2.412

0.000

(No Data)

Not Applicable

(No Data)

47.6

Yes

9259.06

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 8 months;
W2 - 24 months;
Written VOE - 60 months;

(No Data)

8442236

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

6.8750

(No Data)

-2256.83

(No Data)

Yes

1900.00

(No Data)

0.8418

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442213

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

8.1457

3.712

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.98

(No Data)

2652.98

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;
W2 - 36 months;

(No Data)

8442361

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

6.7500

(No Data)

-1421.54

(No Data)

Yes

2250.00

(No Data)

1.5827

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442238

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.7501

(No Data)

-1635.05

(No Data)

Yes

1500.00

(No Data)

0.9174

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442371

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

7.9991

(No Data)

-901.26

(No Data)

Yes

(No Data)

Yes

2420.00

(No Data)

2.6851

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442214

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

7.8787

Yes

2.381

Not Applicable

(No Data)

Not Applicable

(No Data)

37.03

(No Data)

8264.93

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;
W2 - 24 months;

(No Data)

8442177

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.1680

Yes

1.686

Not Applicable

(No Data)

Not Applicable

(No Data)

21.34

22.15

21.34

22.15

(No Data)

57824.78

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442260

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.8749

(No Data)

-2448.25

(No Data)

Yes

2480.00

(No Data)

1.0129

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442178

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.8793

Yes

2.865

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

(No Data)

-3157.74

(No Data)

Yes

(No Data)

Personal Bank Statements - 3 months;

(No Data)

8442216

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.2080

Yes

3.193

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

(No Data)

-4764.37

(No Data)

Yes

(No Data)

Personal Bank Statements - 6 months;

(No Data)

8442217

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

8.6344

Yes

2.336

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

41.5

Yes

6011.24

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 48 months;

(No Data)

8442180

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.1390

Yes

1.381

Not Applicable

(No Data)

Not Applicable

(No Data)

36.41

36.33

36.41

36.33

(No Data)

23414.88

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 72 months;

(No Data)

8442229

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.8750

(No Data)

-4398.62

(No Data)

Yes

(No Data)

Yes

3300.00

(No Data)

0.7502

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442380

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.5000

Yes

(No Data)

38.32

(No Data)

35105.79

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442182

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.3253

Yes

3.402

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

17.41

16.88

17.41

16.88

(No Data)

23508.19

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 96 months;

(No Data)

8442381

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

7.1251

Yes

(No Data)

24.44

(No Data)

19479.12

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442234

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

9.3750

(No Data)

-2958.61

(No Data)

Yes

(No Data)

Yes

2450.00

(No Data)

0.8280

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442183

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.5720

Yes

1.822

0.000

(No Data)

Not Applicable

(No Data)

33.49

(No Data)

11118.02

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 13 months;
CPA Letter without Income - 24 months;

(No Data)

8442219

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

7.8541

Yes

2.877

Not Applicable

(No Data)

Not Applicable

(No Data)

34.7

(No Data)

5451.67

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 12 months;

(No Data)

8442220

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.8130

Yes

3.688

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

25.76

Yes

7685.82

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter - 48 months;

(No Data)

8442268

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

(No Data)

Yes

8.3750

(No Data)

-2048.72

(No Data)

Yes

(No Data)

Yes

2100.00

(No Data)

1.0250

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8442184

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

6.8868

Yes

1.225

0.000

(No Data)

Not Applicable

(No Data)

-7069.85

(No Data)

Yes

(No Data)

Personal Bank Statements - 6 months;

(No Data)

8442185

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.0055

Yes

3.806

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

39.44

(No Data)

2778.97

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442382

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

5% of amt prepd

(No Data)

Yes

6.6250

Yes

(No Data)

30.41

(No Data)

21491.55

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

8442221

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.2166

Yes

2.113

0.000

(No Data)

Not Applicable

(No Data)

40.97

40.51

40.97

40.51

(No Data)

17984.39

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 14 months;
Lease Agreement - 12 months;
Paystub - 1 months;
W2 - 24 months;

(No Data)

8442222

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

7.9385

Yes

3.468

Not Applicable

(No Data)

Not Applicable

(No Data)

38.52

38.45

38.52

38.45

(No Data)

2270.7

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 9 months;
W2 - 12 months;
Written VOE - 24 months;

(No Data)

8985853

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5% of amt prepd

(No Data)

Yes

7.6250

(No Data)

-1625.31

(No Data)

Yes

(No Data)

Yes

2100.00

(No Data)

1.2921

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

8985820

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5

(No Data)

Yes

7.7500

(No Data)

-2994.43

(No Data)

Yes

(No Data)

Yes

3250.00

(No Data)

1.0853

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

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