Exhibit 99.12

Redacted ID

Seller Loan ID

Investor 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?

216693

XXXXX

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

Not Employed

No

Yes

Present

219305

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

N/A

N/A

N/A

Yes

N/A

N/A

No

Yes

Present

219306

XXXXX

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

No

Yes

Present

220269

XXXXX

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

Not Employed

No

Yes

Present

231006

XXXXX

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

No

Yes

Present

231253

XXXXX

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

No

Yes

Present

232375

XXXXX

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

Yes

Yes

Present

232705

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

233107

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Unknown

No

Yes

Present

233485

XXXXX

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

Yes

Yes

Yes

Present

233489

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

234161

XXXXX

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

No

Yes

Present

234163

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

234776

XXXXX

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

Yes

Yes

Yes

Present

236210

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

237958

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

237964

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

238302

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

238303

XXXXX

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

Not Employed

Yes

Yes

Present

239175

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

239176

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

239405

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

No

No

Yes

Present

239407

XXXXX

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

Not Employed

No

Yes

Present

239409

XXXXX

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

Not Employed

Not Employed

No

No

Yes

Present

240197

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

12320

8.729

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

8723.72

N/A

Employed

No

No

240205

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

Yes

Yes

Yes

Present

240206

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

Yes

Yes

Yes

Present

240534

XXXXX

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

Not Employed

No

Yes

Present

240543

XXXXX

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

Not Employed

Yes

Yes

Present

240853

XXXXX

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

Not Employed

Not Employed

Yes

Yes

Yes

Present

241183

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

241969

XXXXX

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

Not Employed

No

Yes

Present

242219

XXXXX

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

Not Employed

No

Yes

Present

242225

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

242227

XXXXX

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

Not Employed

Not Employed

Yes

Yes

Yes

Present

243205

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

Yes

Yes

Present

243208

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

244157

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

244166

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

244398

XXXXX

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

Not Employed

No

Yes

Present

244403

XXXXX

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

No

Yes

Present

244407

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

244759

XXXXX

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

Yes

Yes

Present

245160

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

245476

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Yes

Yes

Present

245477

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Yes

Yes

Present

245482

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

245483

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

247206

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

247208

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

247209

XXXXX

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

No

Yes

Present

247213

XXXXX

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

Not Employed

No

Yes

Present

247587

XXXXX

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

Not Employed

No

Yes

Present

247590

XXXXX

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

No

Yes

Present

247596

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

248311

XXXXX

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

No

Yes

Present

248599

XXXXX

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

Not Employed

Not Employed

No

No

Yes

Present

248716

XXXXX

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

No

Yes

Present

248941

XXXXX

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

Not Employed

Yes

Yes

Present

248944

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

248951

XXXXX

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

No

Yes

Present

249845

XXXXX

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

No

Yes

Present

249849

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

249850

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

249856

XXXXX

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

No

Yes

Present

250222

XXXXX

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

No

Yes

Present

250223

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

250228

XXXXX

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

No

Yes

Present

250229

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

251393

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

251397

XXXXX

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

16558.49

N/A

Employed

Not Employed

No

No

Yes

Present

251399

XXXXX

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

No

Yes

Present

251400

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

Yes

No

No

No

No

No

No

No

20495

8.57

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

8444.55

N/A

Employed

No

No

252124

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

252128

XXXXX

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

No

Yes

Present

252130

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

252131

XXXXX

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

Not Employed

No

Yes

Present

252350

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

252353

XXXXX

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

No

Yes

Present

252354

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

252355

XXXXX

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

No

Yes

Present

252769

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

252770

XXXXX

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

No

Yes

Present

253142

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

253148

XXXXX

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

Not Employed

No

Yes

Present

253371

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

253372

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

253379

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

Yes

8808.75

8.078

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

Yes

5972.58

N/A

Employed

No

No

253919

XXXXX

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

No

Yes

Present

253923

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

253925

XXXXX

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

No

Yes

Present

253926

XXXXX

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

No

Yes

Present

254526

XXXXX

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

No

Yes

Present

254529

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254530

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254531

XXXXX

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

15246.76

N/A

Employed

No

Yes

Present

254532

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254533

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

Yes

10987.58

8.079

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

6042.34

Yes

Employed

Employed

No

No

No

254534

XXXXX

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

9410.5

N/A

Employed

No

Yes

Present

254845

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

254847

XXXXX

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

No

Yes

Present

254848

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Fail

No

Yes

No

No

No

No

No

No

No

12695

8.887

Yes

Yes

N/A

Yes

Yes

Yes

Yes

Yes

Yes

Yes

10335.69

N/A

Employed

No

No

255498

XXXXX

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

No

Yes

Present

255500

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

Yes

5746.25

8.242

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

4490.9

N/A

Employed

No

No

255501

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

255502

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

11920.84

N/A

Employed

No

Yes

Present

255800

XXXXX

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

No

Yes

Present

255802

XXXXX

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

No

Yes

Present

255803

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

255804

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

255805

XXXXX

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

No

Yes

Present

255806

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

255807

XXXXX

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

No

Yes

Present

255808

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

255809

XXXXX

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

No

Yes

Present

255810

XXXXX

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

No

Yes

Present

256191

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

Yes

6545

7.925

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

9918.1

N/A

Employed

No

No

256192

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256195

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256564

XXXXX

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

No

Yes

Present

256565

XXXXX

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

No

Yes

Present

256566

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256567

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256568

XXXXX

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

13602.85

N/A

Employed

No

Yes

Present

256830

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256832

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

256833

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

256834

XXXXX

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

No

Yes

Present

259162

XXXXX

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

No

Yes

Present

259164

XXXXX

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

No

Yes

Present

259165

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259166

XXXXX

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

16634.44

N/A

Employed

Yes

Yes

Present

259167

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

259168

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

Yes

N/A

Yes

Yes

N/A

N/A

Yes

N/A

N/A

5102.18

N/A

Employed

Yes

Yes

Present

259169

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

259171

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

41252.65

N/A

Employed

Yes

Yes

Present

259172

XXXXX

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

No

Yes

Present

259173

XXXXX

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

No

Yes

Present

259174

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

259175

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261352

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

51686.98

N/A

Employed

No

Yes

Present

261354

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261355

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

261357

XXXXX

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

No

Yes

Present

261358

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261359

XXXXX

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

2836.95

N/A

Employed

No

Yes

Present

261360

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261952

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

4437.06

N/A

Employed

Yes

Yes

Present

261953

XXXXX

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

No

Yes

Present

261955

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

261956

XXXXX

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

No

Yes

Present

262632

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262633

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262634

XXXXX

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

No

Yes

Present

262635

XXXXX

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

Yes

Yes

Yes

Present

262636

XXXXX

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

No

Yes

Present

262637

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

262638

XXXXX

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

Yes

Yes

Yes

Present

262639

XXXXX

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

Not Employed

Not Employed

Yes

Yes

Yes

Present

262640

XXXXX

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

Yes

Yes

Present

262641

XXXXX

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

No

Yes

Present

262642

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

Fail

No

No

No

No

Yes

No

No

No

9.807

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263149

XXXXX

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

No

Yes

Present

263150

XXXXX

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

No

Yes

Present

263152

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

263153

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

263154

XXXXX

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

No

Yes

Present

263155

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263156

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

263157

XXXXX

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

No

Yes

Present

264755

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264756

XXXXX

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

No

Yes

Present

264758

XXXXX

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

No

Yes

Present

264759

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

264760

XXXXX

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

No

Yes

Present

264761

XXXXX

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

No

Yes

Present

264762

XXXXX

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

No

Yes

Present

264763

XXXXX

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

No

Yes

Present

264764

XXXXX

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

No

Yes

Present

264765

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264766

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

264767

XXXXX

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

5052.03

N/A

Employed

Yes

Yes

Present

265799

XXXXX

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

Not Employed

Not Employed

No

No

Yes

Present

265801

XXXXX

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

No

Yes

Present

265802

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

265803

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

265804

XXXXX

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

No

Yes

Present

265805

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266299

XXXXX

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

No

No

Yes

Present

266300

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

266301

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

Present

266302

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266303

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266305

XXXXX

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

6207.09

N/A

Employed

No

Yes

Present

266306

XXXXX

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

No

Yes

Present

266307

XXXXX

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

No

No

Yes

Present

266308

XXXXX

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

No

Yes

Present

266309

XXXXX

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

Yes

Yes

Present

266310

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

266760

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

No

14720

8.162

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

36403.84

N/A

Employed

No

No

266761

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

No

No

No

No

No

No

No

No

Yes

9407.5

7.712

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

3448.44

N/A

Employed

No

No

266762

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

11232.5

7.882

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

8820.37

N/A

Employed

No

No

266763

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

267142

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267143

XXXXX

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

No

No

Yes

Present

267144

XXXXX

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

No

Yes

Present

267145

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267146

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

267147

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267148

XXXXX

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

No

Yes

Present

267149

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267150

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

267151

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267152

XXXXX

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

No

Yes

Present

267559

XXXXX

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

No

Yes

Present

267560

XXXXX

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

Yes

Yes

Present

267561

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267562

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

267563

XXXXX

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

Yes

Yes

Yes

Present

267564

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267565

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267566

XXXXX

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

No

Yes

Present

267932

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

267933

XXXXX

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

Yes

Yes

Yes

Present

267934

XXXXX

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

No

Yes

Present

267935

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267936

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267937

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

No

Yes

Present

267938

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

267939

XXXXX

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

Not Employed

No

Yes

Present

267940

XXXXX

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

No

Yes

Present

268130

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

No

No

No

No

No

No

No

No

No

6695

7.552

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

5985.96

N/A

Employed

No

No

268392

XXXXX

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

No

Yes

Present

268393

XXXXX

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

No

Yes

Present

268394

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

268395

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

8795

7.263

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

6214.67

N/A

Employed

No

No

268396

XXXXX

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

No

Yes

Present

268397

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

268398

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

Yes

No

No

No

No

No

No

Yes

8626.7

8.168

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

3098.97

N/A

Employed

No

No

268399

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269054

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269055

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269056

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

269057

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269058

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269059

XXXXX

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

No

Yes

Present

269060

XXXXX

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

Yes

Yes

Present

269061

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269062

XXXXX

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

No

No

Yes

Present

269063

XXXXX

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

No

Yes

Present

269064

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

269065

XXXXX

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

No

Yes

Present

269066

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269552

XXXXX

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

No

Yes

Present

269554

XXXXX

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

Yes

Yes

Present

269555

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

No

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

269556

XXXXX

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

No

Yes

Present

269557

XXXXX

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

No

Yes

Present

269558

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

269559

XXXXX

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

No

Yes

Present

269560

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270707

XXXXX

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

Yes

Yes

Yes

Present

270708

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270709

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

6229.53

N/A

Employed

No

Yes

Present

270710

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

No

Yes

Present

270711

XXXXX

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

No

Yes

Present

270712

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

270713

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

270714

XXXXX

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

No

Yes

Present

270715

XXXXX

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

No

Yes

Present

270716

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

270717

XXXXX

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

5111.04

N/A

Employed

Yes

Yes

Present

270718

XXXXX

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

No

Yes

Present

271077

XXXXX

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

No

Yes

Present

271078

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

271079

XXXXX

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

No

Yes

Present

271080

XXXXX

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

No

Yes

Present

271081

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

271082

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

271083

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

271084

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

271085

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272019

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

272020

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272021

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272022

XXXXX

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

Yes

Yes

Present

272023

XXXXX

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

No

Pass

Yes

No

No

No

No

No

No

No

No

10325

8.541

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

9395.27

N/A

Employed

Employed

No

No

No

272024

XXXXX

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

No

Yes

Present

272025

XXXXX

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

No

Yes

Present

272026

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272027

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

272392

XXXXX

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

30218.15

N/A

Employed

Yes

Yes

Present

272393

XXXXX

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

No

Yes

Present

272394

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272395

XXXXX

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

9769.9

N/A

Employed

No

Yes

Present

272396

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

Yes

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272397

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272398

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

Not Employed

No

No

Yes

Present

272682

XXXXX

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

Yes

Yes

Present

272683

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272684

XXXXX

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

Not Employed

No

Yes

Present

272685

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272686

XXXXX

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

Yes

Yes

Present

272687

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

272688

XXXXX

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

No

Yes

Present

272689

XXXXX

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

No

Yes

Present

273277

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273278

XXXXX

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

No

Yes

Present

273279

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Not Employed

No

Yes

Present

273280

XXXXX

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

Yes

Yes

Present

273281

XXXXX

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

20609.13

Yes

Employed

Not Employed

Yes

Yes

Yes

Present

273282

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

28345

8.143

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

19812.81

N/A

Employed

No

No

273283

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273284

XXXXX

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

No

Yes

Present

273285

XXXXX

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

No

Yes

Present

273286

XXXXX

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

No

Yes

Present

273287

XXXXX

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

59479.99

N/A

Employed

Not Employed

Yes

Yes

Yes

Present

273288

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

7195

7.698

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4814.28

Yes

Employed

No

No

273289

XXXXX

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

59480.17

Yes

Employed

Not Employed

Yes

Yes

Yes

Present

273290

XXXXX

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

No

Yes

Present

273291

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273292

XXXXX

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

No

Yes

Present

273293

XXXXX

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

No

No

Yes

Present

273822

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273823

XXXXX

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

No

Yes

Present

273824

XXXXX

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

Yes

Yes

Present

273825

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273826

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

2868

7.703

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

7011.93

N/A

Employed

No

No

273827

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

N/A

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

273828

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

273829

XXXXX

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

No

Yes

Present

273830

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

273831

XXXXX

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

No

Yes

Present

273832

XXXXX

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

59510.33

Yes

Employed

Not Employed

Yes

Yes

Yes

Present

273833

XXXXX

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

Not Employed

No

Yes

Present

273834

XXXXX

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

No

Yes

Present

273835

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

Yes

Yes

Present

274561

XXXXX

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

No

Yes

Present

274562

XXXXX

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

No

Yes

Present

274563

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

274564

XXXXX

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

No

Yes

Present

274565

XXXXX

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

No

Yes

Present

274566

XXXXX

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

No

Yes

Present

274567

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

274568

XXXXX

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

No

Yes

Present

274569

XXXXX

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

Not Employed

Not Employed

Yes

Yes

Yes

Present

277125

XXXXX

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

Yes

Yes

Yes

Present

277126

XXXXX

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

No

Yes

Present

277127

XXXXX

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

No

No

Yes

Present

277128

XXXXX

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

No

Yes

Present

277129

XXXXX

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

No

Yes

Present

277130

XXXXX

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

No

Yes

Present

277131

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

8290

7.733

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

7304.69

N/A

Employed

No

No

277132

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

29095

7.41

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

28455.58

N/A

Employed

No

No

277133

XXXXX

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

4601.31

N/A

Employed

No

Yes

Present

277134

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

No

No

No

No

No

No

No

No

No

12060

7.873

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

12023.69

N/A

Employed

No

No

277791

XXXXX

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

No

Yes

Present

277792

XXXXX

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

15106.62

N/A

Employed

Yes

Yes

Present

277793

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

24545

8.076

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

44873.79

N/A

Employed

No

No

277794

XXXXX

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

No

Yes

Present

277795

XXXXX

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

Not Employed

No

Yes

Present

277796

XXXXX

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

No

Yes

Present

277797

XXXXX

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

No

Yes

Present

277798

XXXXX

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

No

Yes

Present

277799

XXXXX

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

No

Yes

Present

277800

XXXXX

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

No

Yes

Present

277801

XXXXX

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

No

Yes

Present

277802

XXXXX

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

No

Yes

Present

277803

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

No

No

No

No

No

No

No

No

Yes

8745

7.884

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

7930.98

N/A

Employed

No

No

278426

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Fail

No

Yes

No

No

No

No

No

No

Yes

8568.8

9.142

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4464.94

N/A

Employed

No

No

278428

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

278429

XXXXX

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

No

Yes

Present

278430

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

Yes

9198.2

9.016

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4784.2

N/A

Employed

No

No

278431

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

278432

XXXXX

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

35861.01

N/A

Employed

No

Yes

Present

278433

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

278434

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

Yes

61705.78

8.149

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

26249.08

N/A

Employed

No

No

278435

XXXXX

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

Yes

Yes

Present

278436

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

278437

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

278438

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

Yes

18795.72

8.234

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

13086.24

N/A

Employed

No

No

278439

XXXXX

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

No

Yes

Present

278440

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

278441

XXXXX

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

No

Yes

Present

278442

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

9095

7.163

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

6437.47

N/A

Employed

No

No

278443

XXXXX

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

No

Yes

Present

278444

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

5388.23

N/A

Employed

No

Yes

Present

278445

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

Yes

8935.48

7.98

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

5594.68

N/A

Employed

No

No

278446

XXXXX

Non-QM: Lender documented all ATR UW factors

QM: Safe Harbor (SH)

Yes

Pass

Yes

No

No

No

No

No

No

No

Yes

11445.63

7.465

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4214.28

N/A

Employed

No

No

278447

XXXXX

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

No

Yes

Present

278448

XXXXX

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

No

Yes

Present

278449

XXXXX

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

Yes

Yes

Present

278450

XXXXX

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

No

Yes

Present

278451

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

Yes

No

No

No

No

No

No

No

No

10310

7.422

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

5715.73

N/A

Employed

No

No

278452

XXXXX

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

No

Yes

Present

278453

XXXXX

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

No

Yes

Present

278454

XXXXX

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

No

Yes

Present

278455

XXXXX

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

7171.02

N/A

Employed

No

Yes

Present

278456

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

10073.88

N/A

Employed

Yes

Yes

Present

278457

XXXXX

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

No

Yes

Present

279174

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

12859.79

N/A

Employed

No

Yes

Present

279175

XXXXX

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

No

Yes

Present

279176

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

Yes

6320

8.04

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

3758.69

Yes

Employed

No

No

279178

XXXXX

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

Yes

Yes

Present

279179

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

Yes

12725.22

7.272

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

4483.77

N/A

Employed

No

No

279180

XXXXX

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

No

No

Yes

Present

279181

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

Yes

No

No

No

No

No

No

No

5720

8.365

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

38562.54

N/A

Employed

No

No

279183

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Fail

No

Yes

No

No

No

No

No

No

Yes

9069.4

10.116

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

9373.56

N/A

Not Employed

No

No

279185

XXXXX

Non-QM: Lender documented all ATR UW factors

QM: Safe Harbor (SH)

Yes

Pass

No

No

No

No

No

No

No

No

Yes

9095

8.068

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

52672.31

N/A

Employed

No

No

279188

XXXXX

Non-QM: Lender documented all ATR UW factors

QM: Rebuttable Presumption (APOR)

Yes

Pass

Yes

Yes

No

No

No

No

No

No

Yes

14664.6

8.748

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

3952.73

N/A

Employed

No

No

279232

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

15304.7

7.636

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

16628.32

N/A

Employed

No

No

279740

XXXXX

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

No

Yes

Present

279741

XXXXX

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

22025.72

N/A

Employed

No

Yes

Present

279742

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

6905

7.88

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

6447.08

N/A

Employed

No

No

279745

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

13995

7.753

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

8021.07

N/A

Employed

No

No

279747

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

Yes

No

No

No

No

No

No

No

No

48495

8.216

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

44527.63

N/A

Employed

No

No

280639

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

55257.83

N/A

Employed

No

Yes

Present

280642

XXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Pass

Yes

No

No

No

No

No

No

No

Yes

28790

7.576

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

9079.23

N/A

Employed

No

No

280644

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

Yes

28895

7.615

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

32226.08

N/A

Not Employed

Employed

No

No

No

280646

XXXXX

ATR/QM: Exempt

ATR/QM: Exempt

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

280649

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

14755

7.413

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

28776.32

N/A

Employed

No

No

281124

XXXXX

Non-QM: APOR

Non-QM: APOR

No

Pass

No

No

No

No

No

No

No

No

No

14190

7.056

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

73229.57

N/A

Employed

No

No

281633

XXXXX

Non-QM: Lender documented all ATR UW factors

QM: Rebuttable Presumption (APOR)

Yes

Pass

No

Yes

No

No

No

No

No

No

Yes

20845

8.841

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

11277.4

N/A

Employed

No

No

281641

XXXXX

QM: Safe Harbor (SH)

QM: Safe Harbor (SH)

No

Pass

Yes

No

No

No

No

No

No

No

No

12418.44

8.594

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

N/A

N/A

8729.09

N/A

Employed

No

No