EX-99.4 5 exhibit99-4.htm CANOPY ATR QM REPORT
Loan ID
Investor Loan ID
Seller Loan ID
Lender Application Date
Originator QM Status
Final QM Status
Originator QM Status Difference than Final QM Status?
Reason Why NonQM Final Status
QM DTI Threshold Met?
Higher Priced Mortgage Loan (HPML)?
Negatively Amortizing Loan?
Principal Deferment?
Interest Only Flag?
Prepayment Penalty?
Balloon Flag?
Adjustable Rate Balloon?
Loan Term Less Than 5 Years?
QM Points and Fees Threshold Exceeded?
QM Total Points and Fees
APR
ATR: Qualifying Payment Properly Considered?
ATR: Current Employment/Self-Employment Verified?
ATR: Balloon Qualifying Payment Properly Considered?
ATR: Reasonable Income or Assets Considered?
ATR: Subject PITIA Adequately Documented?
ATR: All Liabilities Including Alimony and Child Support in DTI?
ATR: Simultaneous Loan Calculated Properly
ATR: Credit History was Considered Properly?
ATR: Did Lender Document All ATR Factors?
ATR: Was an ATR/QM Residual Income Analysis Provided?
Residual Income
Residual Income Meets Guidelines?
Borrower 1 Employment Indicator
Borrower 2 Employment Indicator
Borrower 1 Foreign National Indicator
Borrower 2 Foreign National Indicator
Business Purpose Loan?
Business Purpose Verified?
494399161
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359062
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
N/A
No
No
No
No
No
No
No
No
5535.13
3.349
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494375222
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494384358
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
Yes
N/A
494372611
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494378163
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494378269
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494367227
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
4483.77
3.934
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494341874
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494389369
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494357001
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494378040
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
N/A
No
No
No
No
No
No
No
No
9253.44
3.534
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494368254
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494370328
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494339984
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494376072
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494374905
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494354180
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494363785
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
2754.24
4.966
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494331980
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494363240
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494357614
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494355450
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494372263
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494358965
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494368214
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
1587.19
3.675
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Missing
529872125
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
N/A
No
No
No
No
No
No
No
No
8270.00
3.671
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494352277
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494358981
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494363827
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494356432
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494410381
    
04-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
4090.00
3.821
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494384115
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
5033.00
3.932
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494340573
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494353166
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494349369
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494381044
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359369
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494349806
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494335782
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494357707
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494328619
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494349161
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494355120
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494362688
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
  
Yes
N/A
494332266
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494333190
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
10360.00
3.297
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Missing
494362309
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
  
Yes
N/A
494355797
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1290.00
3.291
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494350694
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494353366
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Not Employed
No
No
Yes
N/A
494330918
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494425845
    
04-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
13290.20
3.761
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
No
Present
494344228
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494333840
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
6442.50
3.962
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494333792
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494347127
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494361955
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494390489
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494369894
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
1840.00
3.685
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Missing
494348887
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494397252
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
1239.80
4.149
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494345628
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494373264
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494330841
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494347356
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494374963
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
810.00
3.012
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Present
494408018
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
0.00
3.422
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494346244
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494370296
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494329943
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494328611
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494332146
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
5190.00
3.782
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494358417
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
529866976
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494332074
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494349073
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494351922
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1800.00
3.560
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
No
Missing
494376614
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
3477.50
4.653
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Present
494353546
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494351283
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494370376
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494327612
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494353844
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
2079.10
3.993
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Present
494352032
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494348894
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494360064
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494349180
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359470
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494356540
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494330253
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
2667.00
3.739
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494358369
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494352008
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1745.00
3.434
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Present
494326813
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1748.00
3.472
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
529868257
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
2945.00
3.826
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494352553
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494343448
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
3792.49
3.831
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
No
Missing
494331075
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494330161
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1786.00
3.087
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494344060
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1246.00
3.892
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Present
494351161
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494344028
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494362166
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494343672
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494372672
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
N/A
No
No
No
No
No
No
No
No
2682.22
3.680
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494352561
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494344354
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
529870143
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
Yes
N/A
494355219
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Employed
No
No
Yes
N/A
494338444
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359609
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494357485
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
1975.00
3.539
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Missing
494363823
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494349096
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494356176
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494357381
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494379652
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494343361
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494330893
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
9365.00
3.528
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
279867292
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
3882.50
3.785
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494360799
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
12150.00
3.613
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494343107
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494328523
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494357626
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494360536
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494335557
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494358162
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494334943
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494377504
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494346821
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494378245
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494406601
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494342172
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494358760
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494361805
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
1950.00
3.450
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Missing
494349818
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494339953
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494331860
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494409005
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Employed
No
No
Yes
N/A
494358328
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494350285
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494373431
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494343067
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494344811
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494386849
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494361471
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494348963
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494425313
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494365672
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494324305
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
Yes
N/A
529867556
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494456728
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494348867
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494345446
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494363936
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494361783
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494338892
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494348671
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494346991
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494331691
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
529866980
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494348525
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494328612
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
250.00
3.396
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494355795
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494372374
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494345044
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494350516
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
529866159
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Not Employed
No
No
Yes
N/A
494340030
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494350142
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
Yes
N/A
494409213
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494357729
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494356098
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494362609
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494324348
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494326510
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494351403
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494350063
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494358680
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494353638
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494350202
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494331751
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494357693
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494359022
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
405.00
3.681
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494348678
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494331861
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494377513
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
N/A
No
No
No
No
No
No
No
No
2335.25
4.217
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494347082
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494330970
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494330012
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494335542
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494360510
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494357710
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359968
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
0.00
3.512
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494329944
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494340083
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494358591
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1650.00
4.531
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Missing
494375778
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494365796
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494349305
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494326812
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1748.00
3.460
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494333100
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
6331.50
3.884
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
No
Missing
494358824
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494360849
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494324035
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494352613
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
15381.10
3.390
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494349621
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494351390
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494354785
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494348513
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494356410
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494339585
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494325125
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
529864911
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
Yes
No
No
No
No
No
No
No
No
3145.01
4.473
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Present
494343782
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494336771
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494383844
    
04-XX-2021
QM: GSE Temporary QM - RP
QM: GSE Temporary QM - RP
No
  
Yes
Yes
No
No
No
No
No
No
No
No
1395.00
4.633
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
No
Missing
494365942
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494474390
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494405512
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494331461
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494375448
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
279864895
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494326827
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494361429
    
10-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494356858
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
12105.00
3.544
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
279864797
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494346360
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494335347
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494330982
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494357469
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494385139
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
5818.00
3.870
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494346849
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
529863418
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
2163.13
3.558
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Missing
494333871
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494337003
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494356359
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
N/A
No
No
No
No
No
No
No
No
2951.60
3.723
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494341252
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494339027
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494360417
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494347101
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494380039
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494396706
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359848
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1590.00
3.083
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Missing
494329375
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
5620.00
3.673
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
529868450
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494354872
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
279871654
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494370225
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1226.25
3.790
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494351431
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
279865369
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494393914
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494334537
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1490.00
3.728
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494354729
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494328530
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
2762.50
3.213
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
No
Missing
494360322
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494340898
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494324326
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494370731
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494333203
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494351310
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494364136
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
  
Yes
N/A
494356704
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
529867934
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359516
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
4682.50
3.682
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494329118
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494363815
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494372592
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494342065
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494352031
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494352682
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494346294
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494401370
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
N/A
No
No
No
No
No
No
No
No
3000.00
3.825
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494339152
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494353784
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494371568
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
3358.68
3.578
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494350467
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494349550
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494336554
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494329439
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494378471
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359946
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494335761
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
3962.00
4.766
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
No
Present
494330115
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494389937
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494350337
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494363598
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494338755
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
2753.49
3.744
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494336312
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
4289.60
3.505
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
529866519
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494353960
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494353744
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494346703
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494329518
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494337148
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494344336
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
1990.00
3.609
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
No
Missing
494336375
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494354185
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494351757
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494343684
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494331028
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494353964
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494367359
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494357794
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494324357
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494333982
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494342941
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494364008
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494350614
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494338100
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494337194
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494343415
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
2584.00
3.827
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
No
Missing
494346145
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494365888
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494344579
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494362519
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494348724
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494349321
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494369621
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494325112
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
4540.00
3.417
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494403842
    
05-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494324956
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494334207
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
4480.00
3.347
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Missing
494353606
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494347997
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494348164
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494350064
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494357072
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
N/A
No
No
No
No
No
No
No
No
No
7870.00
3.381
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Present
494345001
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494415209
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494399512
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
Yes
No
No
No
No
No
No
No
No
No
4150.20
4.635
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
No
Missing
494370018
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494359956
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494352840
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494346937
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
529865284
    
08-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494357730
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494360355
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494330042
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494333000
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494356200
    
06-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494350913
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494356879
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494355970
    
07-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
  
N/A
N/A
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A