EX-99.38 39 ex99-38.htm INFINITY ATR OR QM DATA REPORT (186 LOANS)

 

MFA 2024-NQM1 Trust ABS-15G

EXHIBIT 99.38

 

Loan ID Redacted Loan ID Investor Loan ID Seller Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
xx 74593     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74969     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed   No   Yes Present
xx 74970     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed   No   Yes Present
xx 74597     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74598     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74599     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 Yes Employed Not Employed No No Yes Present
xx 74600     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74601     xx ATR/QM: Exempt ATR/QM: Exempt No   Pass No No No   No No No No No     9.197 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed Employed No No Yes Present
xx 74602     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74004     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75513     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74603     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74971     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74972     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed Employed No No Yes Present
xx 75514     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74605     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74606     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed Unknown No No Yes Present
xx 74227     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74607     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74608     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Not Employed   No   Yes Present
xx 74231     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74609     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74610     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes No No   No No No No No     7.987 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed Employed No No No  
xx 74611     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74612     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     7.78 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74236     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Pass No No No   No No No No No     7.873 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74613     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74614     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74973     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74615     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No Yes No   No No No No No     9.26 N/A Yes Yes Yes Yes Yes N/A Yes Yes Yes   N/A Employed Employed No No No  
xx 74024     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail No Yes No   No No No No No     10.581 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed Employed No No No  
xx 74617     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail No Yes No   No No No No No     10.068 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74026     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75515     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes No No   No No No No No     9.013 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 75516     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75517     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74028     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74618     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Pass No No No   No No No No No     8.425 Yes Yes N/A N/A Yes N/A N/A N/A Yes N/A 0 N/A Employed   No   No  
xx 75518     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74620     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
xx 74249     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
xx 75519     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74621     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     7.592 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 Yes Employed Employed No No No  
xx 74623     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes Yes No   No No No No No     9.058 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74624     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74625     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74626     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74627     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74628     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail No Yes No   No No No No No     10.659 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 N/A Employed   No   No  
xx 74975     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.928 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74976     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74630     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
xx 74632     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75521     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74633     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     7.768 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 N/A Employed Employed No No No  
xx 74634     xx ATR/QM: Exempt ATR/QM: Exempt No     Yes   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed Not Employed No No Yes Present
xx 74635     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.117 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74636     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74978     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74638     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74639     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     7.558 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Not Employed Not Employed No No No  
xx 74979     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74640     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes Yes No   No No No No No     8.958 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 0 N/A Employed Unknown No No No  
xx 74641     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74642     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.774 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74980     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     7.996 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74981     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes No No   No No No No No     7.902 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74643     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.807 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 N/A Employed Employed No No No  
xx 74644     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
xx 74645     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.882 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74982     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74984     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74985     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74646     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
xx 74986     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75522     xx ATR/QM: Exempt ATR/QM: Exempt No   Fail Yes No No   No Yes No No No     10.178 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 Present
xx 74648     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     7.724 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74987     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Pass Yes No No   No No No No No     7.98 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74650     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74651     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74988     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.033 Yes Yes N/A N/A Yes N/A N/A N/A Yes N/A 0 N/A Employed   No   No  
xx 74652     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74989     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74990     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No Yes No   No No No No No     9.244 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
xx 74653     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75523     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74654     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74991     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74655     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.482 Yes Yes N/A N/A Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
xx 74993     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown Unknown No No Yes Present
xx 74994     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74656     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No Yes No   No No No No No     9.202 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes   N/A Employed   No   No  
xx 74995     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes No No   No No No No No     8.765 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74657     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74996     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Not Employed   No   Yes Present
xx 74658     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74997     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75524     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes No No   No No No No No     8.331 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 N/A Employed   No   No  
xx 74998     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74999     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75000     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75001     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75002     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.448 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 74659     xx ATR/QM: Exempt ATR/QM: Exempt No     Yes   No   No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed   No   Yes Present
xx 74660     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74661     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown Unknown No No Yes Present
xx 75003     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75004     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75005     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.875 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 0 N/A Employed   No   No  
xx 74662     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74663     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74664     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74665     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     9.135 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 N/A Employed   No   No  
xx 75525     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74666     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 74667     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.175 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 75526     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75527     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75528     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75006     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75007     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74668     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75008     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75009     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A     No   Yes Present
xx 75529     xx ATR/QM: Exempt ATR/QM: Exempt No     Yes   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
xx 75530     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail No Yes No   No No No No No     10.346 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 N/A Employed   No   No  
xx 75531     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed Employed No No Yes Present
xx 74669     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74670     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Pass No No No   Yes No No No No     9.233 Yes Yes N/A N/A Yes N/A N/A N/A Yes N/A 0 N/A Not Employed Not Employed No No No  
xx 75532     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75533     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75011     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75012     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Pass No No No   Yes No No No No     8.154 Yes Yes N/A N/A Yes N/A N/A N/A Yes N/A 0 N/A Employed Employed No No No  
xx 74671     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75013     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74672     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75534     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     9.189 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A   N/A Employed   No   No  
xx 74673     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed Employed No No Yes Present
xx 74674     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes No No   No No No No No     8.25 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 75014     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Pass No No No   No No No No No     8.435 Yes Yes N/A N/A Yes N/A N/A N/A Yes N/A 0 N/A Employed Employed No No No  
xx 75015     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75016     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 Yes Unknown   No   Yes Present
xx 75017     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75535     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74675     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75018     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75019     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75020     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75021     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75536     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75537     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes Yes No   No No No No No     9.781 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 75538     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75539     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75023     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75024     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   Yes No No No No     8.354 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 75541     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
xx 75025     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.039 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed Employed No No No  
xx 75026     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes Yes No   No No No No No     9.415 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 0 N/A Employed   No   No  
xx 75542     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75543     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 74676     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75544     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail No Yes No   No No No No No     10.269 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 75545     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75546     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Fail Yes Yes No   No No No No No     10.864 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No  
xx 75547     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75548     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75549     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown Unknown No No Yes Present
xx 75550     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
xx 75027     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75551     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   No  
xx 75552     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75553     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75554     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0 N/A Employed   No   Yes Present
xx 74677     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75555     xx ATR/QM: Exempt ATR/QM: Exempt No     Yes   No   No No No 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 Present
xx 75028     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
xx 75556     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75029     xx ATR/QM: Exempt ATR/QM: Exempt No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   Yes Present
xx 75557     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A Yes N/A N/A Yes N/A N/A         No   Yes Present
xx 75030     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75031     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass Yes Yes No   No No No No No     9.289 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 0 Yes Employed   No   No  
xx 75032     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75558     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75559     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75561     xx ATR/QM: Not Applicable ATR/QM: Not Applicable No     No   No   Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A     Unknown   No   Yes Present
xx 75562     xx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Pass No No No   No No No No No     8.965 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0 N/A Employed   No   No