EX-99.1 6 ea023325501_ex99-1sch4.htm SCHEDULE 4 - ATR QM UPLOAD

Exhibit 99.1 Schedule 4

 

Client Name:                                                                                                                                                    
Client Project Name: ACHM 2025-HE1                                                                                                                                                  
Start - End Dates: 9/5/2024 - 2/10/2025                                                                                                                                                  
Deal Loan Count: 509                                                                                                                                                  
                                                                                                                                                           
ATR QM Upload                                                                                                                                                        
                                                                                                                                                           
Loans in Report: 509                                                                                                                                                  
Loan Number Seller Loan Number Original Principal Balance State Loan Level ATR/QM Status Borrowers Qualified Through a Non-Resident Alien Program Occupancy Property Type Number of Units Loan Type Exempt Loan Product Type Exempt Loan Housing Agency Community Housing Development Credit Under Economic Stabilization Act Of 2008 Refinance Of Non-Standard Mortgage Higher Priced Covered Transaction State Prepay Exceptions Loan Purpose Loan Term Exceeds 30 Years Interest Only Feature Negative Amortization Balloon Payment Prepay Penalty Flag Prepayment Penalty Type Prohibited Prepayment Penalty Exceeds Points And Fees Exceeds DTI Limit Lien Position APR QM Calculated DTI Adherence QM Lenders DTI Adherence QM Fee Adherence - Total Charges % QM Fee Adherence - Lenders Fee % Fannie Mae Eligible Freddie Mac Eligible VA Guaranty Eligible FHA Insured Eligible USDA Guarantee Eligible Rural Housing Service Insured Eligible QM - Expected Income Or Assets For DTI QM - Current Employment Status For DTI QM - Monthly Payment On Subject Loan For DTI QM - Monthly Payment On Additional Loan For DTI QM - Monthly Payment Mortgage Related Obligations QM - Current Debt Obligations Alimony and Child Support for DTI QM - Monthly DTI Ratio Or Residual Income ATR - Guidelines Provided to Document Approach ATR - Current And Expected Income And Assets ATR - Current Employment Status ATR - Mortgage Payment Obligation ATR - Mortgage Payment on Simultaneous Transaction ATR - Payment For Mortgage Related Obligations ATR - Debt Obligations Including Alimony and Child Support ATR - Monthly DTI Ratio or Residual Income ATR - Consumer Credit History ATR Lenders - DTI (Back) ATR Calculated DTI (Back) QM Lender Value DTI (Back) QM Calculated DTI (Back) Initial DTI (Back) DTI Qualifying (Back) Residual Income Analysis in File Residual Income Guidelines Did Loan Meet Guidelines Residual Income Amount Short Sale Short Sale Date Deed In Lieu Deed In Lieu Date Loan Status QRM Flag Borrower 2 Guarantor Flag Borrower 3 Guarantor Flag Borrower 4 Guarantor Flag Borrower 1 Income Doc Type Summary Borrower 2 Income Doc Type Summary Borrower 3 Income Doc Type Summary Borrower 4 Income Doc Type Summary
5000038325 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.7542 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.24 0 40.24 40.24 40.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000038661 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.8785 Yes No 3.135 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.17 0 30.17 30.17 30.17 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
5000038689 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5396 Yes No 3.645 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.03 0 37.03 37.03 37.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038706 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0895 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.76 0 40.76 40.76 40.76 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038715 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.6199 Yes No 3.898 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.2 0 40.2 40.2 40.2 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038746 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.6986 Yes No 1.529 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 21 0 21 21 21 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038767 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.2376 Yes No 3.297 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.16 0 34.16 34.15 34.15 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 1099 - 12 months;
 (No Data) (No Data)
5000038773 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4223 Yes No 3.971 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.85 0 32.85 32.85 32.85 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000038794 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.7368 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.96 0 39.96 39.96 39.96 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038811 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8574 Yes No 4.537 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.01 0 32.01 32.01 32.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038825 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0111 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.13 0 40.13 40.13 40.13 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038834 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.8313 Yes No 3.939 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.64 0 39.64 39.64 39.64 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000038858 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5755 Yes No 6.596 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.7 0 25.7 25.7 25.7 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000038870 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6119 Yes No 3.083 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.63 0 40.63 40.63 40.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038875 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4605 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.28 0 24.28 24.28 24.28 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 12 months;
 Paystub - 1 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
5000038882 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.4577 Yes No 3.472 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.22 0 41.22 41.22 41.22 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Offer Letter - 1 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000038893 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 14.0975 Yes No 3.065 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 15.1 0 15.1 15.1 15.1 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
5000038903 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8131 Yes No 4.632 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.56 0 41.56 41.56 41.56 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 36 months;
Written VOE - 31 months;
 (No Data) (No Data) (No Data)
5000038911 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6263 Yes No 4.997 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.7 0 42.7 42.7 42.7 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038943 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0794 Yes No 4.962 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.79 0 42.79 42.79 42.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038952 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR-Attached XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7204 Yes No 4.182 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.46 0 42.46 42.46 42.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038956 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.3867 Yes No 4.893 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.57 0 42.57 42.57 42.57 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038961 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.4191 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.81 0 39.81 39.81 39.81 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038983 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4665 Yes No 1.349 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.47 0 27.47 27.47 27.47 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000038997 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2471 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.5 0 35.5 35.5 35.5 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039002 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0944 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.69 0 38.69 38.69 38.69 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039022 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4798 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.66 0 35.66 35.66 35.66 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039025 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8572 Yes No 3.774 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 22.57 0 22.57 22.57 22.57 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039026 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3477 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.7 0 31.7 31.7 31.7 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039027 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9237 Yes No 3.139 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.74 0 34.74 34.74 34.74 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039028 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9581 Yes No 3.291 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.31 0 41.31 41.31 41.31 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039029 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 12.4433 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.46 0 40.46 40.46 40.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039040 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4625 Yes No 4 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.64 0 34.64 34.64 34.64 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039043 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6888 Yes No 4.724 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.82 0 37.82 37.82 37.82 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039045 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3800 Yes No 3.225 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.74 0 33.74 33.74 33.74 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039049 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.3796 Yes No 4.194 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.25 0 38.25 38.25 38.25 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039050 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.2455 Yes No 3.651 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.65 0 38.65 38.65 38.65 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039058 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.1741 Yes No 3.212 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.82 0 39.82 39.82 39.82 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039059 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9382 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.84 0 42.84 42.84 42.84 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) 1099 - 12 months;
Award Letter - 1 months;
 Award Letter - 1 months;
 (No Data) (No Data)
5000039060 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7702 Yes No 3.521 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.3 0 40.3 40.3 40.3 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039071 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1881 Yes No 3.319 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.68 0 31.68 31.68 31.68 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039075 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5969 Yes No 5.138 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.13 0 34.13 34.13 34.13 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039081 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8004 Yes No 3.603 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.39 0 35.39 35.39 35.39 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039085 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9100 Yes No 4.601 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 21.4 0 21.4 21.4 21.4 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039088 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1341 Yes No 3.93 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.87 0 37.87 37.87 37.87 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039112 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.3059 Yes No 3.03 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.19 0 33.19 33.19 33.19 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 1 months;
 (No Data) (No Data) (No Data)
5000039117 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9514 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 20.76 0 20.76 20.76 20.76 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000039129 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7380 Yes No 2.256 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.96 0 24.96 24.96 24.96 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039134 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.4907 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.51 0 37.51 37.51 37.51 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039153 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.5014 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.84 0 42.84 42.84 42.84 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 1 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039166 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5254 Yes No 3.605 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 16.13 0 16.13 16.13 16.13 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039170 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2444 Yes No 3.828 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.9 0 38.9 38.9 38.9 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 1 months;
 (No Data) (No Data) (No Data)
5000039173 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3916 Yes No 3.59 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.3 0 34.3 34.3 34.3 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039174 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4386 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.79 0 24.79 24.79 24.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039183 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3843 Yes No 3.83 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.81 0 39.81 39.81 39.81 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039193 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0487 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.89 0 40.89 40.89 40.89 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
 1099 - 12 months;
Award Letter - 12 months;
 (No Data) (No Data)
5000039202 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8952 Yes No 4.586 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.39 0 37.39 37.39 37.39 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039206 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.1019 Yes No 3.225 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.42 0 36.42 36.42 36.42 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039207 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8029 Yes No 3.374 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.99 0 39.99 39.99 39.99 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039214 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7846 Yes No 4.958 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.32 0 27.32 27.32 27.32 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039229 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.3606 Yes No 5.53 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.48 0 24.48 24.48 24.48 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039230 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2361 Yes No 3.54 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.99 0 31.99 31.99 31.99 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039237 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9338 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.57 0 40.57 40.57 40.57 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 1099 - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
5000039245 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9239 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.96 0 42.96 42.96 42.96 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039248 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.7597 Yes No 4.226 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.28 0 31.28 31.28 31.28 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039249 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4012 Yes No 3.911 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.19 0 24.19 24.19 24.19 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039252 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.2283 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.82 0 42.82 42.82 42.82 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039259 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1600 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.64 0 31.64 31.64 31.64 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039262 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0369 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.53 0 38.53 38.53 38.53 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039263 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4002 Yes No 3.908 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.34 0 34.34 34.34 34.34 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039266 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.1524 Yes No 4.571 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.32 0 39.32 39.32 39.32 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039270 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 11.7807 Yes No 5.744 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.54 0 24.54 24.54 24.54 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Personal Bank Statements - 1 months;
 (No Data) (No Data) (No Data)
5000039271 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7499 Yes No 0 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.31 0 23.31 23.31 23.31 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039277 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.6625 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.63 0 25.63 25.63 25.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039284 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1587 Yes No 3.246 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.34 0 38.34 38.34 38.34 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039285 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.3366 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 21.7 0 21.7 21.7 21.7 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
5000039288 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3245 Yes No 3.714 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.06 0 42.06 42.06 42.06 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039291 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0692 Yes No 2.996 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.53 0 39.53 39.53 39.53 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039301 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9620 Yes No 4.766 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.37 0 31.37 31.37 31.37 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039310 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR-Attached XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.2604 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.61 0 31.61 31.61 31.61 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039311 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.5000 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.01 0 38.01 38.01 38.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039316 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0131 Yes No 3.614 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 20.83 0 20.83 20.83 20.83 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039317 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.6972 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.92 0 30.92 30.92 30.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039318 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1372 Yes No 3.904 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.03 0 40.03 40.03 40.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039319 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.1418 Yes No 0.743 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.64 0 36.64 36.64 36.64 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 1099 - 12 months;
 (No Data) (No Data)
5000039322 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.1941 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.24 0 26.24 26.24 26.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039325 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2595 Yes No 3.533 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.11 0 40.11 40.11 40.11 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039326 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9369 Yes No 3.78 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.47 0 36.47 36.47 36.47 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039327 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.0259 Yes No 3.968 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.25 0 42.25 42.25 42.25 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039332 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4622 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.66 0 40.66 40.66 40.66 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039340 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1954 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.68 0 39.68 39.68 39.68 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039344 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3360 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.86 0 35.86 35.86 35.86 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 32 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039349 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5540 Yes No 3.365 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.96 0 36.96 36.96 36.96 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 1 months;
 (No Data) (No Data) (No Data)
5000039354 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2833 Yes No 4.388 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.9 0 37.9 37.9 37.9 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039358 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.4543 Yes No 3.469 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.24 0 34.24 34.24 34.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039377 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8781 Yes No 4.14 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.41 0 39.41 39.41 39.41 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039381 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9996 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.07 0 38.07 38.07 38.07 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039386 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.1417 Yes No 4.049 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.01 0 36.01 36.01 36.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039392 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5126 Yes No 3.536 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.19 0 42.19 42.19 42.19 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000039393 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0402 No No 3.874 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.4 0 43.4 43.4 43.4 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039396 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3111 Yes No 4.571 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.78 0 30.78 30.78 30.78 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039405 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7532 Yes No 3.372 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.63 0 42.63 42.63 42.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 3 months;
 (No Data) (No Data) (No Data)
5000039406 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2822 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.24 0 40.24 40.24 40.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039424 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.1902 Yes No 3.454 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.34 0 33.34 33.34 33.34 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
5000039432 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.4804 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.94 0 23.94 23.94 23.94 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039446 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4746 Yes No 3.203 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.2 0 40.2 40.2 40.2 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039455 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7834 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.97 0 40.97 40.97 40.97 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039471 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 13.1133 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.95 0 39.95 39.95 39.95 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
5000039472 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.6363 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.38 0 31.38 31.38 31.38 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039480 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0418 Yes No 1.305 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.18 0 40.18 40.17 40.18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039482 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.6709 No No 6.643 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 44.46 0 44.46 44.46 44.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039491 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.3514 Yes No 7.177 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.6 0 26.6 26.6 26.6 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039493 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.7262 Yes No 3.64 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.01 0 33.01 33.01 33.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039516 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.5810 Yes No 3 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.23 0 27.23 27.23 27.23 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000039524 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2287 Yes No 4.226 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.59 0 39.59 39.59 39.59 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039526 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5516 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.76 0 31.76 31.76 31.76 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039541 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1338 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.71 0 32.71 32.71 32.71 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039543 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7028 Yes No 4.19 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.11 0 40.11 40.11 40.11 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039549 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.0801 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.14 0 41.14 41.14 41.14 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039555 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9571 Yes No 3.176 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.57 0 34.57 34.57 34.57 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 8 months;
W2 - 12 months;
 Paystub - 7 months;
W2 - 12 months;
Written VOE - 31 months;
 (No Data) (No Data)
5000039563 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6292 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.58 0 37.58 37.58 37.58 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039580 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.4432 Yes No 5.737 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.25 0 35.25 35.25 35.25 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 20 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
5000039582 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 14.0857 Yes No 3.038 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.79 0 42.79 42.79 42.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 1099 - 12 months;
 (No Data) (No Data)
5000039589 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.3911 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.69 0 42.69 42.69 42.69 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039592 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9494 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.3 0 40.3 40.3 40.3 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039596 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7284 Yes No 3.71 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.72 0 40.72 40.72 40.72 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) 1099 - 12 months;
Award Letter - 1 months;
 1099 - 12 months;
Award Letter - 1 months;
 (No Data) (No Data)
5000039600 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.0625 Yes No 3.091 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.21 0 39.21 39.21 39.21 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
Written VOE - 32 months;
 Paystub - 1 months;
W2 - 12 months;
Written VOE - 32 months;
 (No Data) (No Data)
5000039601 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9690 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.46 0 42.46 42.46 42.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039607 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4087 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.47 0 24.47 24.47 24.47 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039609 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5131 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.26 0 35.26 35.26 35.26 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039611 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2497 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.78 0 42.78 42.78 42.78 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039615 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8762 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.04 0 33.04 33.04 33.04 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039617 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7559 Yes No 4.826 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.39 0 42.39 42.39 42.39 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039626 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.6712 Yes No 5.952 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.58 0 24.58 24.58 24.58 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039638 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9825 Yes No 2.272 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43 0 43 43 43 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039642 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2159 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.69 0 32.69 32.69 32.69 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039644 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.1398 Yes No 4.854 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.54 0 31.54 31.54 31.54 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039645 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0304 Yes No 4.198 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.33 0 30.33 30.33 30.33 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 7 months;
W2 - 12 months;
 Paystub - 7 months;
W2 - 12 months;
 (No Data) (No Data)
5000039669 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.1812 Yes No 4.168 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.92 0 38.92 38.92 38.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039672 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4333 Yes No 3.353 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.98 0 33.98 33.98 33.98 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039687 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8535 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.9 0 35.9 35.9 35.9 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039688 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3801 Yes No 4.023 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.91 0 40.91 40.91 40.91 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039690 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1919 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.37 0 39.37 39.37 39.37 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039693 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0226 Yes No 3.241 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.03 0 42.03 42.03 42.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039696 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0923 Yes No 3.848 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.25 0 35.25 35.25 35.25 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039698 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9333 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.17 0 38.17 38.17 38.18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039701 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.4377 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.96 0 26.96 26.96 26.96 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039709 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3342 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.55 0 37.55 37.55 37.55 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039711 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2928 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.73 0 26.73 26.73 26.73 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039716 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9391 Yes No 1.957 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.07 0 37.07 37.07 37.07 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039724 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.5434 Yes No 3.263 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.68 0 27.68 27.68 27.68 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039727 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3933 Yes No 6.116 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.06 0 40.06 40.06 40.06 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039743 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.1704 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.44 0 31.44 31.44 31.44 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039744 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 11.5874 No No 3.001 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.52 0 43.52 43.52 43.52 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
Verbal VOE with Income - 60 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039747 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.1975 Yes No 3.692 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.6 0 39.6 39.6 39.6 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039749 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7237 Yes No 3.937 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 22.13 0 22.13 22.13 22.13 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039759 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8560 Yes No 4.534 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.34 0 36.34 36.34 36.34 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 7 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039761 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0992 Yes No 3.853 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.71 0 24.71 24.71 24.71 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 P & L - 9 months;
Personal Tax Return - 24 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
5000039762 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.1173 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.96 0 42.96 42.96 42.96 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039763 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8246 Yes No 4.449 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.03 0 28.03 28.03 28.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039765 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1381 Yes No 3.184 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.03 0 35.03 35.03 35.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039766 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0843 Yes No 3.779 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.1 0 40.1 40.09 40.1 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039767 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.5751 Yes No 0.668 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.57 0 38.57 38.57 38.58 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039790 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4699 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.85 0 41.85 41.85 41.85 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039793 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8480 No No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.6 0 43.6 43.6 43.6 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039815 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.8280 Yes No 3.929 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.36 0 33.36 33.36 33.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039826 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8804 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.57 0 36.57 36.57 36.57 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039832 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9169 Yes No 3.645 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.34 0 42.34 42.34 42.34 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 7 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039835 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6127 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.79 0 42.79 42.79 42.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039845 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5731 Yes No 3.44 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.79 0 29.79 29.79 29.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 1099 - 12 months;
 (No Data) (No Data)
5000039846 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7467 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.05 0 32.05 32.05 32.05 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039853 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.1504 Yes No 4.09 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.3 0 42.3 42.3 42.3 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 7 months;
W2 - 12 months;
 Paystub - 7 months;
W2 - 12 months;
 (No Data) (No Data)
5000039857 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3682 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.36 0 30.36 30.36 30.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039877 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR-Attached XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0264 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.78 0 42.78 42.78 42.78 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039882 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3134 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.7 0 36.7 36.7 36.7 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039886 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.1390 Yes No 3.225 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.92 0 42.92 42.92 42.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039891 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3968 Yes No 3.226 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.36 0 39.36 39.36 39.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039899 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.6827 Yes No 1.51 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.45 0 29.45 29.45 29.45 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
5000039903 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3745 Yes No 3.232 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.03 0 40.03 40.03 40.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 8 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039908 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9343 Yes No 4.831 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.65 0 36.65 36.65 36.65 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039919 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.7512 Yes No 5.625 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.56 0 37.56 37.56 37.56 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000039921 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7009 Yes No 3.85 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.84 0 39.84 39.84 39.84 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039923 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0446 Yes No 3.881 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.31 0 28.31 28.31 28.31 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039932 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4473 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.18 0 40.18 40.18 40.18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039941 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3301 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.79 0 31.79 31.79 31.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039957 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8179 Yes No 3.595 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.9 0 28.9 28.9 28.9 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 7 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039970 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4463 No No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.53 0 31.53 31.53 31.53 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 1 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000039986 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.8565 Yes No 4.012 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.61 0 33.61 33.61 33.61 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000039999 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9771 Yes No 3.733 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.21 0 33.21 33.21 33.21 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040004 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8306 Yes No 3.658 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.02 0 32.02 32.02 32.02 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040006 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.6273 Yes No 2.295 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.35 0 29.35 29.35 29.35 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040027 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2335 Yes No 3.459 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.75 0 40.75 40.75 40.75 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000040032 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.5727 Yes No 3.802 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.24 0 40.24 40.24 40.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040037 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.7249 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.37 0 33.37 33.37 33.37 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040038 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.4359 Yes No 6.691 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.86 0 31.86 31.86 31.86 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040040 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0963 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.02 0 27.02 27.02 27.02 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040041 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1359 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.33 0 39.33 39.33 39.33 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040046 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.5925 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.01 0 41.01 41.01 41.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000040049 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9339 Yes No 3.375 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.74 0 31.74 31.74 31.74 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040056 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.6632 Yes No 6.528 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.06 0 25.06 25.06 25.06 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040059 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9057 Yes No 3.894 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.69 0 27.69 27.69 27.69 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 8 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040080 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.8957 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.14 0 39.14 39.14 39.14 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000040083 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.1937 Yes No 4.671 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.77 0 30.77 30.77 30.77 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040116 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7366 Yes No 0.925 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.36 0 41.36 41.36 41.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000040119 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.7280 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.1 0 33.1 33.1 33.1 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040130 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.4470 Yes No 4.176 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.04 0 32.04 32.04 32.04 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040140 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.3046 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.73 0 42.73 42.73 42.73 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040143 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1585 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.18 0 38.18 38.18 38.18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040146 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7604 Yes No 4.286 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 20.4 0 20.4 20.4 20.4 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040177 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9009 Yes No 4.214 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.73 0 37.73 37.73 37.73 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040178 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4881 No No 3.442 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.01 0 43.01 43.01 43.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040181 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.4913 Yes No 2.983 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.77 0 39.77 39.77 39.77 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040198 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7440 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.16 0 24.16 24.16 24.16 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040200 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.9810 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.44 0 41.44 41.44 41.44 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000040213 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8022 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.09 0 34.09 34.09 34.09 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040214 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8515 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.63 0 34.63 34.63 34.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040216 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1879 Yes No 0.439 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.47 0 42.47 42.47 42.47 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040222 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7912 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.63 0 41.63 41.63 41.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040233 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7295 Yes No 3.307 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.59 0 40.59 40.59 40.59 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Business Tax Return - 24 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 8 months;
Personal Tax Return - 24 months;
W2 - 12 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 8 months;
Paystub - 8 months;
Personal Tax Return - 24 months;
W2 - 12 months;
 (No Data) (No Data)
5000040271 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3606 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.67 0 28.67 28.67 28.67 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040279 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8333 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.06 0 36.06 36.06 36.06 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040291 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 14.0970 Yes No 3.064 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.07 0 41.07 41.07 41.07 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 8 months;
W2 - 12 months;
 Paystub - 8 months;
W2 - 12 months;
 (No Data) (No Data)
5000040298 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4485 Yes No 3.278 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.84 0 42.84 42.84 42.84 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040299 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7707 Yes No 3.54 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.8 0 42.8 42.8 42.8 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040301 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7303 Yes No 3.396 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.44 0 35.44 35.44 35.44 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
5000040309 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2175 Yes No 4 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.7 0 37.7 37.7 37.7 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040315 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4902 Yes No 3.454 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.73 0 37.73 37.73 37.73 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040359 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.1576 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 17.16 0 17.16 17.16 17.16 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040366 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3183 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.92 0 33.92 33.92 33.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040379 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2245 Yes No 6.975 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.06 0 39.06 39.06 39.06 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040408 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.8677 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.84 0 31.84 31.84 31.84 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040416 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0094 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.24 0 41.24 41.24 41.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040426 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7619 Yes No 3.789 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.71 0 41.71 41.71 41.71 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040427 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4364 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 11.88 0 11.88 11.88 11.88 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 1 months;
Award Letter - 1 months;
Personal Bank Statements - 1 months;
 (No Data) (No Data) (No Data)
5000040447 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.6812 Yes No 3.823 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.53 0 37.53 37.53 37.53 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040475 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 10.4945 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.49 0 33.49 33.49 33.49 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040484 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.3097 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.97 0 31.97 31.97 31.97 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040485 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0901 Yes No 4.531 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.81 0 41.81 41.81 41.81 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040497 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3481 Yes No 4.495 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.38 0 33.38 33.38 33.38 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 6 months;
 (No Data) (No Data) (No Data)
5000040501 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7450 Yes No 0 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.68 0 41.68 41.68 41.68 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040515 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7452 Yes No 3.575 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.02 0 32.02 32.02 32.02 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040534 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4005 Yes No 3.992 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.27 0 36.27 36.27 36.27 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040536 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 11.7983 Yes No 3.433 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.85 0 29.85 29.85 29.85 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
 (No Data) (No Data) (No Data)
5000040550 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0698 Yes No 2.983 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.98 0 38.98 38.98 38.98 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040556 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6910 Yes No 4.724 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.26 0 35.26 35.26 35.26 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040570 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9390 Yes No 4.028 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.01 0 34.01 34.01 34.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040573 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7025 Yes No 4.865 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.84 0 42.84 42.84 42.84 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040597 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6666 Yes No 4.82 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.55 0 34.55 34.55 34.55 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000040646 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7543 Yes No 3.607 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.09 0 40.09 40.09 40.09 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040650 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 12.0260 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.67 0 23.67 23.67 23.67 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040656 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.8390 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.67 0 41.67 41.67 41.67 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months;
 (No Data) (No Data)
5000040661 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 9.6717 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.02 0 41.02 41.02 41.02 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040680 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0858 Yes No 6.484 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.2 0 41.2 41.2 41.2 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000040682 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.9841 Yes No 3.913 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.65 0 38.65 38.65 38.65 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040688 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.4915 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.64 0 27.64 27.64 27.64 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 3 months;
 (No Data) (No Data) (No Data)
5000040690 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3477 No No 3.9 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.04 0 40.04 40.04 40.04 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040697 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.5629 Yes No 5.781 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.2 0 42.2 42.2 42.2 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000040700 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.1729 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.62 0 39.62 39.62 39.62 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Personal Tax Return - 12 months;
 (No Data) (No Data)
5000040706 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1439 Yes No 0.912 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.88 0 28.88 28.88 28.88 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040710 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6753 Yes No 3.376 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.32 0 38.32 38.32 38.32 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040712 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3507 Yes No 3.471 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 18.62 0 18.62 18.62 18.62 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040718 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8254 Yes No 3.746 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.73 0 28.73 28.73 28.73 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040732 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7363 Yes No 4.583 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.04 0 40.04 40.04 40.04 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040742 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.6190 Yes No 3.134 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.53 0 42.53 42.53 42.53 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040753 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5023 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.4 0 40.4 40.4 40.4 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040772 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.4296 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.46 0 30.46 30.46 30.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040794 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No No 2 10.2099 Yes Yes 3.615 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 41.93 41.92 41.93 41.92 41.92 41.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040796 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6262 Yes No 3.082 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.53 0 42.53 42.53 42.53 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040801 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3370 Yes No 3.868 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.63 0 42.63 42.63 42.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000040805 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3740 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.88 0 31.88 31.88 31.88 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040813 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7856 Yes No 4.997 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 21.16 0 21.16 21.16 21.16 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040831 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.6607 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.21 0 36.21 36.21 36.21 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040832 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.0000 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.43 0 36.43 36.43 36.43 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040847 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.3868 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.15 0 25.15 25.15 25.15 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040879 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.1651 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.62 0 23.62 23.62 23.62 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040883 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3957 Yes No 3.598 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.44 0 29.44 29.44 29.44 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040894 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7179 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.2 0 42.2 42.2 42.2 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040905 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.8053 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.97 0 41.97 41.97 41.97 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040912 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.0348 Yes No 2.983 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.36 0 41.36 41.36 41.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000040939 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.6342 Yes No 3.18 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.07 0 34.07 34.07 34.07 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040957 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9843 Yes No 3.802 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.65 0 42.65 42.65 42.65 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040974 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 9.9182 Yes No 4.46 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.4 0 40.4 40.4 40.4 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 1 months;
 (No Data) (No Data) (No Data)
5000040981 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2472 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.22 0 34.22 34.22 34.22 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 1 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040982 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7726 Yes No 3.599 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.58 0 24.58 24.58 24.58 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040992 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.1629 Yes No 3.358 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.44 0 34.44 34.44 34.44 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000040997 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.8563 Yes No 3.919 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.79 0 37.79 37.79 37.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041002 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0324 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.8 0 42.8 42.8 42.8 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041015 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3977 Yes No 4.033 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.71 0 33.71 33.71 33.71 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000041041 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 9.6468 Yes No 3.436 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.91 0 27.91 27.91 27.91 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Business Tax Return - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041061 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6701 Yes No 3.352 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.6 0 30.6 30.6 30.6 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
Written VOE - 24 months;
 (No Data) (No Data)
5000041067 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9425 Yes No 4.063 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.07 0 33.07 33.07 33.07 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041068 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 9.6824 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.72 0 35.72 35.72 35.72 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041092 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 12.5609 Yes No 3.203 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 20.7 0 20.7 20.7 20.7 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041093 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4837 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.21 0 39.21 39.21 39.21 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041103 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3284 Yes No 4.418 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.65 0 36.65 36.65 36.65 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041126 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3326 Yes No 3.425 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.63 0 41.63 41.63 41.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041133 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8517 Yes No 5.179 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 22.99 0 22.99 22.99 22.99 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041134 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2995 Yes No 3.575 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.14 0 42.14 42.14 42.14 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 3 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041169 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7135 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.21 0 39.21 39.21 39.21 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000041200 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7082 Yes No 1.107 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.22 0 35.22 35.22 35.22 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041241 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.1625 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.72 0 40.72 40.72 40.72 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041243 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5991 Yes No 3.077 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.86 0 41.86 41.86 41.86 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041271 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6555 Yes No 2.983 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.61 0 26.61 26.61 26.61 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041279 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7997 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.38 0 42.38 42.38 42.38 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041337 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3780 Yes No 4.655 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.92 0 33.92 33.92 33.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041340 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2211 No No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.6 0 31.6 31.6 31.6 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
5000041351 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Attached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9987 Yes No 4.214 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.01 0 35.01 35.01 35.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041365 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7112 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.01 0 41.01 41.01 41.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000041370 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 9.7419 No No 3.405 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 18.18 0 18.18 18.18 18.18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 12 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041377 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.1184 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.71 0 35.71 35.71 35.71 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041378 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.1281 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.58 0 41.58 41.58 41.58 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041400 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2364 Yes No 4.869 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.17 0 33.17 33.17 33.17 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041403 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4692 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.04 0 27.04 27.04 27.04 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 2 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041411 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9520 Yes No 4.174 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.61 0 31.61 31.61 31.61 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041417 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.1267 Yes No 2.267 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.29 0 41.29 41.29 41.29 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041419 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7437 Yes No 3.507 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.8 0 42.8 42.8 42.8 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041431 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.7076 Yes No 3.531 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.36 0 42.36 42.36 42.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041433 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6263 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.53 0 42.53 42.53 42.53 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041452 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2430 Yes No 1.288 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.19 0 27.19 27.19 27.19 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041456 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2412 Yes No 1.095 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.35 0 31.35 31.35 31.35 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000041462 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.2741 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.83 0 42.83 42.83 42.83 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041469 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.7163 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.93 0 39.93 39.93 39.93 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041479 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5567 Yes No 2.983 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.07 0 34.07 34.07 34.07 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041496 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7981 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.31 0 37.31 37.31 37.31 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041498 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8886 Yes No 6.765 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 20.18 0 20.18 20.18 20.18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041506 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2056 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.11 0 32.11 32.11 32.11 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041507 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3702 No No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 44.01 0 44.01 44.01 44.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041511 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8103 Yes No 3.37 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 18 0 18 18 18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041512 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2387 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.26 0 34.26 34.26 34.26 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041521 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.2159 No No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43 0 43 43 43 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000041534 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4874 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.2 0 38.2 38.2 38.2 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Business Tax Return - 12 months;
P & L - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 1099 - 12 months;
 (No Data) (No Data)
5000041558 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.3973 Yes No 5.708 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.32 0 40.32 40.32 40.32 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000041572 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3799 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.97 0 40.97 40.97 40.97 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
 (No Data) (No Data) (No Data)
5000041602 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5271 No No 0.8 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.74 0 42.74 42.74 42.74 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 1099 - 12 months;
 (No Data) (No Data)
5000041603 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3679 Yes No 3.802 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.5 0 27.5 27.5 27.5 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041604 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.6133 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.71 0 39.71 39.71 39.71 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000041633 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2137 Yes No 4.329 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.99 0 36.99 36.99 36.99 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041636 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.1487 No No 3.433 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.41 0 35.41 35.41 35.41 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041645 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6691 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.38 0 30.38 30.38 30.38 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041655 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.9698 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.55 0 33.55 33.55 33.55 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041662 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.1900 Yes No 4.917 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.54 0 42.54 42.54 42.54 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041675 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9352 Yes No 4.127 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.39 0 33.39 33.39 33.39 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000041687 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3987 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.46 0 34.46 34.46 34.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041689 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7889 Yes No 4.292 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.15 0 41.15 41.15 41.15 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041705 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6077 Yes No 5.896 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.2 0 25.2 25.2 25.2 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041716 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.2064 Yes No 3.605 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.19 0 42.19 42.19 42.19 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000041721 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2023 Yes No 3.232 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.74 0 42.74 42.74 42.74 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041725 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0210 Yes No 0.592 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.19 0 42.19 42.19 42.19 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041734 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2302 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.28 0 40.28 40.28 40.28 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041741 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.0067 Yes No 7.208 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.47 0 34.47 34.47 34.47 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041748 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2925 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.77 0 38.77 38.77 38.77 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041799 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6781 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 22.86 0 22.86 22.86 22.86 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041803 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8251 Yes No 4.998 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.61 0 34.61 34.61 34.61 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041808 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.7946 Yes No 3.736 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 21.71 0 21.71 21.71 21.71 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041817 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8210 Yes No 3.694 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.92 0 34.92 34.92 34.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
Written VOE - 12 months;
 (No Data) (No Data) (No Data)
5000041825 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0539 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.39 0 31.39 31.39 31.39 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000041831 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.6251 Yes No 4.862 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.35 0 38.35 38.35 38.35 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041849 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.9170 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.02 0 34.02 34.02 34.02 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041850 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6518 Yes No 4.614 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.8 0 34.8 34.8 34.8 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041910 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.4387 Yes No 4.017 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.09 0 30.09 30.09 30.09 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041916 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.2220 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.47 0 41.47 41.47 41.47 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041920 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.2383 Yes No 3.696 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.28 0 29.28 29.28 29.28 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000041925 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0612 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.15 0 41.15 41.15 41.15 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000041939 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 9.6502 Yes No 3.451 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.46 0 32.46 32.46 32.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000041946 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.8483 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.61 0 26.61 26.61 26.61 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042013 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2773 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.38 0 42.38 42.38 42.38 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042056 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.4462 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.32 0 23.32 23.32 23.32 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042091 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 13.1663 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.42 0 25.42 25.42 25.42 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000042103 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2946 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.87 0 39.87 39.87 39.87 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042156 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.1867 Yes No 3.418 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.43 0 42.43 42.43 42.43 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042214 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9672 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.86 0 38.86 38.86 38.86 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000042226 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2416 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.9 0 42.9 42.9 42.9 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 2 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042275 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2497 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.52 0 42.52 42.52 42.52 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042282 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6711 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.28 0 23.28 23.28 23.28 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042295 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 12.8167 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.95 0 41.95 41.95 41.95 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042339 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 10.0351 Yes No 3.066 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.88 0 42.88 42.88 42.88 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
 1099 - 12 months;
Award Letter - 12 months;
 (No Data) (No Data)
5000042422 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8319 Yes No 3.393 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.77 0 38.77 38.77 38.77 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042435 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.2531 Yes No 6.171 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.75 0 31.75 31.75 31.75 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042448 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.4647 Yes No 3.296 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.17 0 37.17 37.17 37.17 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
5000042451 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 13.1311 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.48 0 32.48 32.48 32.48 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000042458 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7098 Yes No 3.424 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.04 0 28.04 28.04 28.04 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042477 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.3383 No No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 45.55 0 45.55 45.55 45.55 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042540 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR-Attached XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 11.7002 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.14 0 27.14 27.14 27.14 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042541 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.6409 Yes No 5.708 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.36 0 34.36 34.36 34.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042549 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2103 Yes No 3.273 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.81 0 33.81 33.81 33.81 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042576 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9770 Yes No 4.226 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.59 0 41.59 41.59 41.59 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042652 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2460 Yes No 3.485 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.01 0 42.01 42.01 42.01 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042670 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.6211 Yes No 6.715 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.72 0 24.72 24.72 24.72 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042690 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.3402 Yes No 0.483 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 19.99 0 19.99 19.99 19.99 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042704 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.1993 Yes No 3.311 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.09 0 40.09 40.09 40.09 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042709 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.2895 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.52 0 30.52 30.52 30.52 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042714 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4124 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.36 0 40.36 40.36 40.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042715 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 11.4214 No No 3.056 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 48.7 0 48.7 48.7 48.7 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042722 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.3474 No No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.21 0 47.21 47.21 47.21 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042726 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3090 Yes No 4.46 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.39 0 37.39 37.39 37.39 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042730 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2423 Yes No 3.331 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.9 0 35.9 35.9 35.9 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042743 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.0016 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.95 0 39.95 39.95 39.95 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042759 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.1149 Yes No 2.986 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.11 0 34.11 34.11 34.11 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042761 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7227 Yes No 2.455 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.92 0 32.92 32.92 32.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042769 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9224 Yes No 3.998 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.79 0 34.79 34.79 34.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) P & L - 12 months;
Personal Tax Return - 24 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042774 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3924 Yes No 3.871 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.35 0 36.35 36.35 36.35 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042788 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.3465 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.21 0 36.21 36.21 36.21 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042805 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.0626 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.93 0 41.93 41.93 41.93 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042827 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2840 Yes No 2.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.22 0 29.22 29.22 29.22 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042839 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6265 Yes No 3.617 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.4 0 24.4 24.4 24.4 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042840 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3238 Yes No 1 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 29.33 0 29.33 29.33 29.33 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) 1099 - 12 months;
 1099 - 12 months;
Award Letter - 2 months;
 (No Data) (No Data)
5000042852 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.8898 Yes No 0.847 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.75 0 42.75 42.75 42.75 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042854 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Attached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.5361 Yes No 3.79 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.89 0 39.89 39.89 39.89 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042865 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7503 Yes No 4.958 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.35 0 27.35 27.35 27.35 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042882 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.6551 Yes No 6.089 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.18 0 23.18 23.18 23.18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042892 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.8173 Yes No 3.468 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.13 0 34.13 34.13 34.13 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042900 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.7325 No No 3.204 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.37 0 43.37 43.37 43.37 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042909 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR-Attached XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2047 Yes No 0 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.46 0 36.46 36.46 36.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042911 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.7704 Yes No 3.694 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.48 0 31.48 31.48 31.48 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000042913 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.9975 No No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.43 0 43.43 43.43 43.43 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000042997 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.1169 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.8 0 40.8 40.8 40.8 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043003 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.4950 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.66 0 36.66 36.66 36.66 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043020 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4637 Yes No 4 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.71 0 32.71 32.71 32.71 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043027 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.0068 Yes No 0.916 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.49 0 23.49 23.49 23.49 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043046 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6567 Yes No 1.047 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.92 0 41.92 41.92 41.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000043047 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.2384 Yes No 3.454 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.78 0 42.78 42.78 42.78 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043051 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.4310 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.85 0 33.85 33.85 33.85 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043057 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7313 Yes No 8 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.99 0 38.99 38.99 38.99 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043069 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 11.8404 No No 4.195 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 48.87 0 48.87 48.87 48.87 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043077 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.2158 Yes No 0 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.94 0 26.94 26.94 26.94 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043079 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 11.2099 Yes No 3.007 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.19 0 37.19 37.19 37.19 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043084 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 14.2475 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.97 0 31.97 31.97 31.97 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
5000043094 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7397 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.76 0 40.76 40.76 40.76 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043127 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.8076 No No 2.632 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.24 0 43.24 43.24 43.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Business Tax Return - 24 months;
Personal Tax Return - 24 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043130 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.1380 Yes No 1.121 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 14.93 0 14.93 14.93 14.93 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000043158 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4611 Yes No 3 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.51 0 37.51 37.51 37.51 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043159 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0589 Yes No 4.676 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 21.98 0 21.98 21.98 21.98 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043171 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.6265 Yes No 2.372 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.94 0 38.94 38.94 38.94 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043181 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.1169 Yes No 7.373 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.03 0 33.03 33.03 33.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043191 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 13.3710 Yes No 4.01 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.73 0 42.73 42.73 42.73 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043234 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.7081 Yes No 1.28 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 24.72 0 24.72 24.72 24.72 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043257 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2581 No No 4.349 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.63 0 47.63 47.63 47.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043282 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9187 Yes No 4.301 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.85 0 42.85 42.85 42.85 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 1 months;
 (No Data) (No Data) (No Data)
5000043315 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9512 Yes No 4.098 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.76 0 40.76 40.76 40.76 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043329 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9692 Yes No 4.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.67 0 28.67 28.67 28.67 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043332 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 11.6222 Yes No 4.018 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.84 0 31.84 31.84 31.84 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000043352 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 13.9338 Yes No 4.278 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.59 0 34.59 34.59 34.59 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043354 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0518 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.69 0 32.69 32.69 32.69 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043380 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8106 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.48 0 42.48 42.48 42.48 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043396 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.6384 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.82 0 39.82 39.82 39.82 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043425 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7577 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.39 0 28.39 28.39 28.39 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043436 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 14.4207 Yes No 4.26 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.79 0 37.79 37.79 37.79 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043450 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5266 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.22 0 32.22 32.22 32.22 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043459 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2109 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.59 0 40.59 40.59 40.59 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043475 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9116 Yes No 4 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.2 0 26.2 26.2 26.2 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043476 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3898 Yes No 3 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.33 0 34.33 34.33 34.33 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043493 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.5664 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.16 0 34.16 34.16 34.16 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043506 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 14.7287 Yes No 3.983 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.9 0 36.9 36.9 36.9 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043519 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3174 Yes No 4.98 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.53 0 38.53 38.53 38.53 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043526 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.1514 Yes No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.27 0 27.27 27.27 27.27 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043534 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 14.0964 Yes No 4.689 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 20.99 0 20.99 20.99 20.99 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043537 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 14.9204 Yes No 4.226 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.87 0 39.87 39.87 39.87 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043556 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.5484 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.22 0 27.22 27.22 27.22 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043563 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.9291 Yes No 4.396 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 16.54 0 16.54 16.54 16.54 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043593 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.4203 No No 4.999 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.95 0 47.95 47.95 47.95 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000043629 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3918 Yes No 4.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 22.73 0 22.73 22.73 22.73 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043630 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.3961 Yes No 4.275 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.34 0 28.34 28.34 28.34 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) (No Data) Business Tax Return - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data)
5000043668 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.6524 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.13 0 33.13 33.13 33.13 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043672 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4549 Yes No 4.511 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.24 0 42.24 42.24 42.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043680 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.2294 No No 4.999 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 44.24 0 44.24 44.24 44.24 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043699 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9788 Yes No 4.391 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.83 0 40.83 40.83 40.83 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043716 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.8291 Yes No 3 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 20.97 0 20.97 20.97 20.97 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000043733 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5715 Yes No 4.595 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.59 0 35.59 35.59 35.59 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043744 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.1757 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.83 0 37.83 37.83 37.83 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043758 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 11.5827 No No 4.184 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.03 0 47.03 47.03 47.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043783 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7268 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 19.09 0 19.09 19.09 19.09 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043784 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.5386 Yes No 4.692 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 20.68 0 20.68 20.68 20.68 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043814 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5640 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.59 0 31.59 31.59 31.59 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043816 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.7981 No No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 44.18 0 44.18 44.18 44.18 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) 1099 - 12 months;
Award Letter - 12 months;
 (No Data) (No Data) (No Data)
5000043823 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 11.5862 No No 4.225 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.62 0 47.62 47.62 47.62 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043834 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.4939 No No 5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 45.19 0 45.19 45.19 45.19 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
5000043838 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.0730 Yes No 4.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.05 0 41.05 41.05 41.05 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043841 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4275 Yes No 3 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.77 0 33.77 33.77 33.77 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043854 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.8642 Yes No 3.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.34 0 41.34 41.34 41.34 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043895 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4175 Yes No 3 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 21.83 0 21.83 21.83 21.83 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043903 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.9627 Yes No 4.999 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.42 0 38.42 38.42 38.42 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043904 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.3684 Yes No 4.324 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.04 0 37.04 37.04 37.04 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Award Letter - 12 months;
Paystub - 1 months;
 (No Data) (No Data) (No Data)
5000043908 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3671 No No 4 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43 0 43 43 43 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043915 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.7685 Yes No 3.889 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.74 0 35.74 35.74 35.74 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043950 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 15.0056 Yes No 4.523 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.84 0 39.84 39.84 39.84 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043956 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.1612 Yes No 3.997 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.83 0 36.83 36.83 36.83 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043968 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.7699 Yes No 4.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.14 0 41.14 41.14 41.14 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043980 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.3318 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.02 0 41.02 41.02 41.02 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000043984 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.4406 Yes No 4 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.23 0 35.23 35.23 35.23 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000044000 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.5693 Yes No 4.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 14.41 0 14.41 14.41 14.41 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044008 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.2496 No No 4.341 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 45.92 0 45.92 45.92 45.92 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044031 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.8940 Yes No 4.232 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.36 0 38.36 38.36 38.36 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044044 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.3326 Yes No 0.25 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.45 0 33.45 33.45 33.45 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044064 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.5089 Yes No 4.562 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.37 0 39.37 39.37 39.37 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000044067 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 11.6185 Yes No 4 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.16 0 31.16 31.16 31.16 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044111 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary Detached PUD XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2300 Yes No 4.86 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.09 0 42.09 42.09 42.09 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044116 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 9.8075 Yes No 3 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.08 0 37.08 37.08 37.08 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044122 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.8628 Yes No 4.143 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.51 0 33.51 33.51 33.51 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044123 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.1925 Yes No 2.923 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.29 0 33.29 33.29 33.29 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044127 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4225 Yes No 3 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 14.63 0 14.63 14.63 14.63 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000044195 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 8.6517 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 35.39 0 35.39 35.39 35.39 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000044202 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 13.4586 Yes No 4.998 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.46 0 36.46 36.46 36.46 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044250 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 10.2246 Yes No 2.528 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.97 0 25.97 25.97 25.97 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044259 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.0350 Yes No 3.971 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.86 0 38.86 38.86 38.86 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044282 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3447 Yes No 4.922 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.23 0 41.23 41.23 41.23 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044288 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 12.8729 Yes No 3.983 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 31.13 0 31.13 31.13 31.13 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data)
5000044296 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 2 10.1656 Yes No 4.101 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 36.6 0 36.6 36.6 36.6 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Award Letter - 12 months;
 Award Letter - 12 months;
 (No Data) (No Data)
5000044345 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 12.2494 Yes No 2 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 42.23 0 42.23 42.23 42.23 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No (No Data) (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
5000044372 XXXXX XXXXX XXXXX ATR/QM: Exempt (No Data) Primary SFR XXXXX HELOC Yes No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 2 14.3325 Yes No 4.5 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.03 0 30.03 30.03 30.03 (No Data) (No Data) (No Data) XXXXX No XXXXX No XXXXX Complete No No (No Data) (No Data) Paystub - 1 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
 


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