EX-99.2 3 ex99-2.htm MISSION SUPPLEMENTAL DATA EXTRACT

 

CSMC 2022-ATH2 Trust ABS-15G

 

Exhibit 99.2

 

 

Supplemental Data
CSMC 2022-ATH2_5-10-2022_FINAL_REDACTED
Run Date - 5/10/2022 14:00:00 PM

Loan ID Customer Loan ID Seller Loan ID TILA Status Application Date TRID GSE HOEPA Fees TILA Fees Rate Lock Date Qualifying P&I Qualifying Rate Is Borrower Non Occupant Is Co Borrower Non Occupant Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower2 Length of Employment Co Borrower3 Length of Employment Borrower Citizenship Indicator Co Borrower Citizenship Indicator Co Borrower 2 Citizenship Indicator Co Borrower 3 Citizenship Indicator Borrower Country Name Co Borrower Country Name Co Borrower 2 Country Name Co Borrower 3 Country Name Residual Income Num Units Annual Property Tax Annual Insurance Costs HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Verified DTI QM DTI Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Most Recent Updated Co Borrower 2 FICO Most Recent Updated Co Borrower 3 FICO Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Asset Depletion Flag Bank Statements Flag Number of Statements Type of Statements Percent of Income From Statements Months of Personal Bank Statements Months of Business Bank Statements Months of Profit and Loss Statements Borrower Business Ownership % CoBorrower Business Ownership % P&L Type CPA Letter Flag # of Months CPA verified income WVOE Flag # of Months WVOE DSCR Income Doc Detail Document Level Borrower Years of W2s CoBorrower Years of W2s Years of Personal Tax Returns Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Tax Return Doc Details Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Late 30d in 24m  Prior Mortgage/Rent Late 60d in 24m  Prior Mortgage/Rent Late 90d in 24m  Guideline Name UW Guideline Author QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate HUD 1 Page 1 Credits Total AUS Decision System Rating Result Property Inspection Waiver (PIW) Subordinate Lien Type Is Shared Appreciation Mortgage Is Equity Shared Loan
XXXXXXX_2022-ATH2-1 [redacted]   ATR/QM: Exempt [redacted] No No   $20,648.00 [redacted] $1,295.70 3.875% Yes Yes Self-Employed Not Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,179.00 [redacted] FL $390.00     0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-2 [redacted]   ATR/QM: Exempt [redacted] No No   $2,728.98 [redacted] $2,418.62 5.875% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $984.00 [redacted] CA $48.00     0.00% 0.00%                                         No No 0                 NA   No   0.880 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-3 [redacted]   ATR/QM: Exempt [redacted] No No   $3,691.42 [redacted] $2,803.55 3.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $5,763.84   NY       0.00% 0.00%                                         No No 0                 NA   No   1.420 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-4 [redacted]   ATR/QM: Exempt [redacted] No No   $8,551.25 [redacted] $872.97 3.750% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $771.00 [redacted] AL $41.67     0.00% 0.00%                                         No No 0                 NA   No   1.610 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $4,241.25 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-5 [redacted]   ATR/QM: Exempt [redacted] No No   $9,046.00 [redacted] $1,168.49 4.750% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $4,059.96   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-6 [redacted]   ATR/QM: Exempt [redacted] No No   $3,070.00 [redacted] $3,286.38 4.750% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $1,167.48   NY       0.00% 0.00%                                         No No 0                 NA   No   1.230 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-7 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9996 $11,651.08 [redacted] $2,482.45 4.375% No No Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]     $5,132.25 1 [redacted] $903.96 [redacted] AZ $73.33     41.20% 41.20%                                         No Yes 12 Personal 88.61% 12     50.00%     NA   No   0.000 Borrower - SECorporation, Child Support - 12 Personal Bank Statements Verified || Co Borrower - SECorporation, Child Support - 12 Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower [redacted] [redacted] [redacted] [redacted]   [redacted]   0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9996 [redacted] 3.170%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-8 [redacted]   ATR/QM: Exempt [redacted] No No   $15,302.29 [redacted] $1,852.31 3.500% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $398.04   CA       0.00% 0.00%                                         No No 0                 NA   No   1.290 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-9 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 27545 $29,963.49 [redacted] $5,605.47 5.125% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,167.60   CA       23.63% 26.19%                             3 - Verified<2Mos 3 - Verified<2Mos         No Yes 24 Business 100.00%   24   100.00%     Yes 36 No   0.000 Borrower - 1 YR Business Tax Returns Verified, CPA Letter Verified, 24 Months Business Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 1 0 0 Borrower - 1 YR Business Tax Returns Verified || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 27545 [redacted] 3.160%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-10 [redacted]   ATR/QM: Exempt [redacted] No No   $7,005.00 [redacted] $846.43 3.875% No               US Citizen       [redacted]         1 [redacted] $716.04 [redacted] FL $138.00     0.00% 0.00%                                         No No 0                 NA   No   1.320 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-11 [redacted]   ATR/QM: Exempt [redacted] No No   $8,030.00 [redacted] $1,172.88 6.375% No               Permanent Resident Alien       [redacted]         1 [redacted] $453.96 [redacted] MA $478.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-12 [redacted]   ATR/QM: Exempt [redacted] No No   $6,357.50 [redacted] $1,369.32 4.750% Yes   Not Employed           Foreign National       [redacted]         1 [redacted] $927.96 [redacted] FL $235.00     0.00% 0.00%                                         No No 0                 NA   No   1.070 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0               [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-13 [redacted]   ATR/QM: Exempt [redacted] No No   $9,370.00 [redacted] $5,042.45 6.625% Yes               US Citizen       [redacted]         1 [redacted] $900.96   WA       0.00% 0.00%                                         No No 0                 NA   No   0.660 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-14 [redacted]   ATR/QM: Exempt [redacted] No No   $2,050.00 [redacted] $791.71 7.000% Yes               US Citizen       [redacted]         1 [redacted] $645.60 [redacted] TN $210.00 20211210   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-15 [redacted]   ATR/QM: Exempt [redacted] No No   $4,855.00 [redacted] $2,179.29 6.750% Yes               US Citizen       [redacted]         1 [redacted] $843.96   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-16 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,307.38 3.750% No               US Citizen       [redacted]         1 [redacted] $1,271.88   CA       0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-17 [redacted]   ATR/QM: Exempt [redacted] No No   $3,735.00 [redacted] $1,471.52 6.875% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $965.04   ID       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-18 [redacted]   ATR/QM: Exempt [redacted] No No   $5,943.23 [redacted] $692.36 3.750% Yes               Foreign National       [redacted]         1 [redacted] $681.96 [redacted] AL $66.67     0.00% 0.00%                                         No No 0                 NA   No   1.470 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-19 [redacted]   ATR/QM: Exempt [redacted] No No   $7,570.00 [redacted] $1,464.06 5.875% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,596.96 [redacted] FL $200.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-20 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $2,483.29 4.625% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $7,454.04   FL       0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-21 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12490 $3,647.50 [redacted] $2,454.51 3.750% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,112.16 [redacted] CA $80.00     36.84% 36.84%                                         No Yes 12 Personal 100.00% 12     100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 12490 [redacted] 3.160%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-22 [redacted]   ATR/QM: Exempt [redacted] No No   $7,477.25 [redacted] $923.92 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $966.96 [redacted] FL $58.33     0.00% 0.00%                                         No No 0                 NA   No   1.350 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-23 [redacted]   ATR/QM: Exempt [redacted] No No   $6,775.00 [redacted] $805.82 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $966.96 [redacted] FL $138.00     0.00% 0.00%                                         No No 0                 NA   No   1.340 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-24 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5567.5 $7,483.12 [redacted] $1,681.45 4.250% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,148.04   CA       44.58% 44.58%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - 24 Months Business Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5567.5 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-25 [redacted]   ATR/QM: Exempt [redacted] No No   $24,696.25 [redacted] $2,865.30 3.750% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $1,782.00   NY       0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-26 [redacted]   ATR/QM: Exempt [redacted] No No   $7,190.00 [redacted] $944.76 3.750% Yes               US Citizen       [redacted]         1 [redacted] $436.20   CA       0.00% 0.00%                                         No No 0                 NA   No   1.370 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-27 [redacted]   ATR/QM: Exempt [redacted] No No   $29,705.00 [redacted] $4,270.04 4.250% Yes   Employed           US Citizen       [redacted]         2 [redacted] $2,117.04   NY       0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0                 NA   No   1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-28 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $877.71 5.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $975.00 [redacted] FL $350.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-29 [redacted]   ATR/QM: Exempt [redacted] No No   $7,285.00 [redacted] $935.49 3.750% Yes Yes             Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $789.00 [redacted] AL $25.00     0.00% 0.00%                                         No No 0                 NA   No   1.410 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-30 [redacted]   ATR/QM: Exempt [redacted] No No   $3,461.00 [redacted] $3,182.85 4.250% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $1,436.04   VA       0.00% 0.00%                                         No No 0                 NA   No   0.980 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-31 [redacted]   ATR/QM: Exempt [redacted] No No   $10,435.00 [redacted] $2,648.33 6.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $783.96   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-32 [redacted]   ATR/QM: Exempt [redacted] No No   $20,800.00 [redacted] $4,042.31 7.125% Yes               US Citizen       [redacted]         1 [redacted] $13,413.00   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-33 [redacted]   ATR/QM: Exempt [redacted] No No   $6,651.25 [redacted] $820.31 5.250% Yes               US Citizen       [redacted]         1 [redacted] $336.96 [redacted] NJ $343.00     0.00% 0.00%                                         No No 0                 NA   No   1.320 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-34 [redacted]   ATR/QM: Exempt [redacted] No No   $6,335.00 [redacted] $851.61 6.625% Yes               US Citizen       [redacted]         2 [redacted] $1,872.60   TX       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-35 [redacted]   ATR/QM: Exempt [redacted] No No   $6,623.00 [redacted] $1,486.64 4.250% Yes               US Citizen       [redacted]         1 [redacted] $897.48   MD       0.00% 0.00%                                         No No 0                 NA   No   1.270 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-36 [redacted]   ATR/QM: Exempt [redacted] No No   $4,140.75 [redacted] $1,287.92 3.750% Yes Yes Employed Employed         Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $839.04 [redacted] FL $305.00     0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-37 [redacted]   ATR/QM: Exempt [redacted] No No   $9,415.00 [redacted] $1,711.03 6.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,145.04 [redacted] FL $443.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-38 [redacted]   ATR/QM: Exempt [redacted] No No   $8,207.00 [redacted] $806.75 3.750% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $765.00 [redacted] AL $66.67     0.00% 0.00%                                         No No 0                 NA   No   1.510 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-39 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 14590 $1,613.25 [redacted] $2,652.58 3.375% No   Employed           US Citizen       [redacted]         1 [redacted] $1,550.04   CA       42.02% 42.02%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - Wage, Investment Income - 2 YRS W2 1099 Verified, Lease Agreements Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 14590 [redacted] 3.160%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-40 [redacted]   ATR/QM: Exempt [redacted] No No   $6,957.00 [redacted] $3,731.49 7.625% Yes               US Citizen       [redacted]         2 [redacted] $2,085.96   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0   [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-41 [redacted]   ATR/QM: Exempt [redacted] No No   $21,370.00 [redacted] $2,937.50 5.875% Yes               US Citizen       [redacted]         1 [redacted] $9,350.04 [redacted] FL $2,164.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-42 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11795 $2,270.00 [redacted] $3,094.67 3.375% No   Employed           US Citizen       [redacted]         1 [redacted] $1,681.20   CA       30.32% 30.32%                                         No No 0   0.00%       0.00%     NA   Yes 36 0.000 Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified Written Verification of Employment 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 11795 [redacted] 3.170%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-43 [redacted]   ATR/QM: Exempt [redacted] No No   $2,613.33 [redacted] $1,619.04 5.875% Yes               US Citizen       [redacted]         1 [redacted] $1,152.96 [redacted] FL $163.33     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-44 [redacted]   ATR/QM: Exempt [redacted] No No   $2,129.20 [redacted] $1,009.16 5.875% Yes               US Citizen       [redacted]         1 [redacted] $1,542.00 [redacted] TX $20.17     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-45 [redacted]   ATR/QM: Exempt [redacted] No No   $9,370.00 [redacted] $1,253.22 4.000% Yes   Employed           US Citizen       [redacted]         1 [redacted] $2,597.04   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.240 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-46 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,531.88 5.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $756.96   TX       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-47 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $2,325.65 5.625% Yes               US Citizen       [redacted]         1 [redacted] $1,528.92   GA       0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-48 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,152.08 3.875% Yes   Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $535.44 [redacted] VA $183.00     0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-49 [redacted]   ATR/QM: Exempt [redacted] No No   $5,785.00 [redacted] $1,754.50 4.000% Yes               US Citizen       [redacted]         1 [redacted] $501.00 [redacted] CA $410.00     0.00% 0.00%                                         No No 0                 NA   No   0.910 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-50 [redacted]   ATR/QM: Exempt [redacted] No No   $11,541.98 [redacted] $1,271.88 4.625% Yes               US Citizen       [redacted]         1 [redacted] $3,411.00 [redacted] FL $244.00     0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-51 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 29890 $30,918.47 [redacted] $6,191.14 4.375% No No Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,925.96   CO       52.94% 52.94%                                         No No 0   0.00%       12500.00%     NA   Yes 36 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 2 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 29890 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-52 [redacted]   ATR/QM: Exempt [redacted] No No   $13,270.00 [redacted] $3,096.64 5.375% Yes Yes             Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $767.40 [redacted] VA       0.00% 0.00%                                         No No 0                 NA   No   0.780 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0   [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-53 [redacted]   ATR/QM: Exempt [redacted] No No   $3,343.01 [redacted] $1,664.89 4.875% Yes   Employed           Foreign National       [redacted]         1 [redacted] $492.00 [redacted] FL $117.76     0.00% 0.00%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - SESCorp Not Stated Not Verified 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-54 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5672.5 $1,966.18 [redacted] $1,010.16 5.750% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,385.88 [redacted] FL $23.00     43.11% 43.11%                                         No Yes 12 Business 100.00%   12   100.00%     Yes 12 No   0.000 Borrower - CPA Letter Verified, 12 Business Bank Statements Verified || Co Borrower 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation 5672.5 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-55 [redacted]   ATR/QM: Exempt [redacted] No No   $11,688.00 [redacted] $1,697.83 5.375% Yes   Self-Employed           Permanent Resident Alien       [redacted]         1 [redacted] $768.00 [redacted] FL $966.74     0.00% 0.00%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - SECorporation Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-56 [redacted]   ATR/QM: Exempt [redacted] No No   $6,030.00 [redacted] $807.45 5.875% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $506.52 [redacted] IL $197.00     0.00% 0.00%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - SESoleProprietor Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0           0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-57 [redacted]   ATR/QM: Exempt [redacted] No No   $12,637.02 [redacted] $986.55 3.500% Yes               US Citizen       [redacted]         1 [redacted] $538.20   CA       0.00% 0.00%                                         No No 0       0   100.00%     NA   No   1.390 Borrower - null Business Bank Statements Verified Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-58 [redacted]   ATR/QM: Exempt [redacted] No No   $5,075.00 [redacted] $3,578.80 5.875% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,484.00   AZ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-59 [redacted]   ATR/QM: Exempt [redacted] No No   $7,129.00 [redacted] $1,544.19 3.625% Yes   Employed           US Citizen       [redacted]         1 [redacted] $567.60 [redacted] CO $896.00     0.00% 0.00%                                         No No 0                 NA   No   1.810 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-60 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10730 $11,361.72 [redacted] $2,397.31 4.875% No   Employed           US Citizen       [redacted]       $3,304.54 1 [redacted] $1,801.20   CA       49.47% 49.47%                                         No No 0   0.00%       100.00%     NA   Yes 35 0.000 Borrower - Wage, Overtime and Bonus - Written VOE Verified Written Verification of Employment 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10730 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-61 [redacted]   ATR/QM: Exempt [redacted] No No   $17,290.00 [redacted] $2,408.20 3.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,738.32 [redacted] CA $143.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-62 [redacted]   ATR/QM: Exempt [redacted] No No   $4,850.00 [redacted] $1,792.87 6.625% Yes               US Citizen       [redacted]         4 [redacted] $1,665.00   NV       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-63 [redacted]   ATR/QM: Exempt [redacted] No No   $7,150.00 [redacted] $1,745.95 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,509.84 [redacted] FL $200.41 20220101   0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0                 NA   No   1.230 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-64 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7495 $2,068.26 [redacted] $2,550.29 9.250% No No Not Employed Employed         US Citizen US Citizen     [redacted] [redacted]     $3,263.02 1 [redacted] $687.96 [redacted] NV $149.00     52.74% 52.74%                                         No No 0   0.00%             NA   No 35 0.000 Borrower - Wage || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 0 2 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7495 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-65 [redacted]   ATR/QM: Exempt [redacted] No No   $4,225.00 [redacted] $722.46 3.750% Yes               Foreign National       [redacted]         1 [redacted] $1,079.04   AL       0.00% 0.00%                                         No No 0                 NA   No   1.350 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-66 [redacted]   ATR/QM: Exempt [redacted] No No   $9,242.50 [redacted] $1,361.65 4.875% Yes               Foreign National       [redacted]         1 [redacted] $849.96 [redacted] FL $238.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-67 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 21281.56 $22,497.12 [redacted] $5,999.24 3.500% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]     $17,252.97 1 [redacted] $6,539.04 [redacted] FL $70.00     48.23% 48.23%                                         No Yes 12 Business 100.00%   12   100.00%     Yes 36 No   0.000 Borrower - SECorporation - CPA Letter Verified, 12 Business Bank Statements Verified || Co Borrower - SECorporation 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 21281.56 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-68 [redacted]   ATR/QM: Exempt [redacted] No No   $7,590.00 [redacted] $1,241.28 4.000% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $2,583.00   CA       0.00% 0.00%                                         No No 0                 NA   No   1.210 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-69 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7735 $8,587.69 [redacted] $2,636.40 7.750% No   Self-Employed           US Citizen       [redacted]       $8,496.98 1 [redacted] $3,728.04 [redacted] FL $27.92     40.27% 40.27%                                         No Yes 25 Business 80.50%   25   100.00%     NA   No   0.000 Borrower - SECorporation, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 24 Months Business Bank Statements Verified 24 Month Bank Statement 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7735 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-70 [redacted]   ATR/QM: Exempt [redacted] No No   $2,005.10 [redacted] $1,392.68 6.625% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $650.04 [redacted] FL $329.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.770 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-71 [redacted]   ATR/QM: Exempt [redacted] No No   $6,995.00 [redacted] $1,583.06 5.625% Yes   Employed           US Citizen       [redacted]         1 [redacted] $843.00   CA       0.00% 0.00%                                         No No 0                 NA   No   0.970 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-72 [redacted]   ATR/QM: Exempt [redacted] No No   $3,463.00 [redacted] $729.41 3.750% Yes Yes Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $852.96 [redacted] CA $295.00     0.00% 0.00%                                         No No 0                 NA   No   1.200 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $2,299.50 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-73 [redacted]   ATR/QM: Exempt [redacted] No No   $6,549.00 [redacted] $2,852.40 5.875% Yes   Employed           US Citizen       [redacted]         2 [redacted] $1,251.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-74 [redacted]   ATR/QM: Exempt [redacted] No No   $4,580.50 [redacted] $1,073.03 4.750% Yes               Permanent Resident Alien       [redacted]         2 [redacted] $960.00   AZ       0.00% 0.00%                                         No No 0                 NA   No   1.380 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-75 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $2,613.17 3.625% Yes               US Citizen       [redacted]         2 [redacted] $1,033.20   CA       0.00% 0.00%                                         No No 0                 NA   No   1.070 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-76 [redacted]   ATR/QM: Exempt [redacted] No No   $17,065.50 [redacted] $3,676.10 4.625% Yes               US Citizen       [redacted]         2 [redacted] $1,163.16   CA       0.00% 0.00%                                         No No 0                 NA   No   0.890 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-77 [redacted]   ATR/QM: Exempt [redacted] No No   $11,495.00 [redacted] $2,496.43 4.375% Yes               US Citizen       [redacted]         1 [redacted] $2,243.88 [redacted] CA $72.00     0.00% 0.00%                                         No No 0                 NA   No   0.710 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-78 [redacted]   ATR/QM: Exempt [redacted] No No   $5,460.00 [redacted] $729.41 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $804.00 [redacted] CA $295.00     0.00% 0.00%                                         No No 0                 NA   No   1.240 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-79 [redacted]   ATR/QM: Exempt [redacted] No No   $20,087.50 [redacted] $2,979.36 5.000% Yes               US Citizen       [redacted]         1 [redacted] $4,026.00   NY       0.00% 0.00%                                         No No 0                 NA   No   1.130 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-80 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4703 $2,190.10 [redacted] $2,441.53 7.750% No   Self-Employed           Permanent Resident Alien       [redacted]         1 [redacted] $2,045.04   FL       27.01% 27.01%                                         No Yes 12 Business 0.00%   12   100.00%     NA   No   0.000 Borrower - SECorporation - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4703 [redacted] 3.170%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-81 [redacted]   ATR/QM: Exempt [redacted] No No   $16,675.00 [redacted] $3,439.85 4.875% Yes Yes Not Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $4,367.04   NY       0.00% 0.00%                                         No No 0                 NA   No   0.790 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-82 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 18900 $19,287.50 [redacted] $4,560.17 4.500% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $3,447.96 [redacted] GA $258.33 20210201   3.30% 3.30%                                         No Yes 13 Business 100.00%   13   100.00%     NA   No   0.000 Borrower - SECorporation - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 18900 [redacted] 3.170%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-83 [redacted]   ATR/QM: Exempt [redacted] No No   $9,398.00 [redacted] $2,780.12 6.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,734.96 [redacted] FL $91.67     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                   0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-84 [redacted]   ATR/QM: Exempt [redacted] No No   $7,470.00 [redacted] $804.32 4.990% Yes Yes             Foreign National Foreign National Foreign National   [redacted] [redacted] [redacted]     1 [redacted] $980.04 [redacted] FL $407.00     0.00% 0.00% 0 0 0                   0   3 - Verified<2Mos           No No 0                 NA   No   0.000 Borrower || Co Borrower || Co Borrower 2 Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-85 [redacted]   ATR/QM: Exempt [redacted] No No   $11,219.00 [redacted] $2,625.88 5.525% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,688.04 [redacted] FL $125.00     0.00% 0.00%                                         No No 0                 NA   No   0.930 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-86 [redacted]   ATR/QM: Exempt [redacted] No No   $9,295.00 [redacted] $1,083.33 5.000% Yes   Employed           US Citizen       [redacted]         2 [redacted] $2,190.00   NJ       0.00% 0.00%                                         No No 0                 NA   No   1.790 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-87 [redacted]   ATR/QM: Exempt [redacted] No No   $15,445.00 [redacted] $2,153.49 3.750% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,118.96   CA       0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0                 NA   No   1.150 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-88 [redacted]   ATR/QM: Exempt [redacted] No No   $4,733.24 [redacted] $1,490.65 3.875% Yes   Employed           Foreign National       [redacted]         1 [redacted] $1,413.00   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.470 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-89 [redacted]   ATR/QM: Exempt [redacted] No No   $4,682.00 [redacted] $2,191.06 8.250% Yes   Employed           US Citizen       [redacted]         1 [redacted] $6,309.96   FL       0.00% 0.00%                                         No No 0                 NA   No   0.710 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-90 [redacted]   ATR/QM: Exempt [redacted] No No   $6,820.00 [redacted] $1,018.09 6.625% Yes               US Citizen       [redacted]         1 [redacted] $1,167.24 [redacted] TX $33.33     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-91 [redacted]   ATR/QM: Exempt [redacted] No No   $4,485.00 [redacted] $848.84 5.500% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $345.00 [redacted] NC $170.00 20220201   0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.200 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-92 [redacted]   ATR/QM: Exempt [redacted] No No   $4,382.50 [redacted] $791.93 3.750% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $531.96   AZ       0.00% 0.00%                                         No No 0                 NA   No   2.060 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-93 [redacted]   ATR/QM: Exempt [redacted] No No   $1,995.50 [redacted] $912.88 4.750% Yes               US Citizen       [redacted]         2 [redacted] $1,314.96   MO       0.00% 0.00%                                         No No 0                 NA   No   1.500 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-94 [redacted]   ATR/QM: Exempt [redacted] No No   $32,696.00 [redacted] $4,499.32 6.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,172.36 [redacted] FL $1,465.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-95 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $4,426.68 6.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $9,078.36 [redacted] FL $1,379.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-96 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,191.47 6.750% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $1,828.08   CA       0.00% 0.00%                                         No No 0                 NA   No   0.990 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-97 [redacted]   ATR/QM: Exempt [redacted] No No   $17,795.00 [redacted] $1,514.16 3.875% Yes               Foreign National       [redacted]         1 [redacted] $942.00 [redacted] TX $33.33     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-98 [redacted]   ATR/QM: Exempt [redacted] No No   $13,554.00 [redacted] $1,316.37 4.150% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $756.96 [redacted] FL $165.00     0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-99 [redacted]   ATR/QM: Exempt [redacted] No No   $13,660.27 [redacted] $2,732.38 3.750% Yes   Employed           US Citizen       [redacted]         4 [redacted] $957.96   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.670 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-100 [redacted]   ATR/QM: Exempt [redacted] No No   $5,815.00 [redacted] $615.97 5.375% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $994.20 [redacted] FL $535.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-101 [redacted]   ATR/QM: Exempt [redacted] No No   $6,340.00 [redacted] $1,187.09 7.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $698.04 [redacted] FL $167.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-102 [redacted]   ATR/QM: Exempt [redacted] No No   $6,280.00 [redacted] $2,368.68 5.375% Yes               US Citizen       [redacted]         1 [redacted] $2,745.00 [redacted] SC $50.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-103 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,046.31 4.500% Yes               US Citizen       [redacted]         1 [redacted] $1,071.96 [redacted] FL $685.00     0.00% 0.00%                                         No No 0                 NA   No   0.970 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-104 [redacted]   ATR/QM: Exempt [redacted] No No   $6,914.31 [redacted] $1,340.53 4.990% Yes               Foreign National       [redacted]         1 [redacted] $992.04   NH       0.00% 0.00%                                         No No 0                 NA   No   1.240 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-105 [redacted]   ATR/QM: Exempt [redacted] No No   $10,245.00 [redacted] $2,984.52 7.250% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,808.04   AZ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-106 [redacted]   ATR/QM: Exempt [redacted] No No   $4,195.00 [redacted] $1,217.91 5.500% Yes               US Citizen       [redacted]         1 [redacted] $0.00 [redacted] SC $1,070.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-107 [redacted]   ATR/QM: Exempt [redacted] No No   $1,995.00 [redacted] $922.29 7.875% Yes               US Citizen       [redacted]         1 [redacted] $189.96 [redacted] IL $299.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-108 [redacted]   ATR/QM: Exempt [redacted] No No   $5,610.00 [redacted] $756.05 4.125% Yes               US Citizen       [redacted]         1 [redacted] $1,956.00 [redacted] FL $635.00     0.00% 0.00%                                         No No 0                 NA   No   1.630 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-109 [redacted]   ATR/QM: Exempt [redacted] No No   $9,345.00 [redacted] $1,344.65 6.625% Yes               US Citizen       [redacted]         1 [redacted] $4,136.04   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-110 [redacted]   ATR/QM: Exempt [redacted] No No   $11,067.25 [redacted] $697.36 3.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $642.96 [redacted] FL $154.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-111 [redacted]   ATR/QM: Exempt [redacted] No No   $2,255.00 [redacted] $1,195.78 4.500% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $911.04 [redacted] FL $197.00     0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0                       0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-112 [redacted]   ATR/QM: Exempt [redacted] No No   $31,175.00 [redacted] $16,637.00 5.875% Yes               Foreign National       [redacted]         1 [redacted] $6,743.04 [redacted] FL $385.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-113 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No   $23,678.79 [redacted] $3,385.01 5.250% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $3,145.68   NV       51.09% 51.09%                                         No No 0   0.00%     24 100.00%   Third-Party Prepared (Unaudited) Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified Business P&L 0 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted]   [redacted]   0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-114 [redacted]   ATR/QM: Exempt [redacted] No No   $4,849.00 [redacted] $859.65 8.500% Yes               US Citizen       [redacted]         1 [redacted] $798.00   KY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-115 [redacted]   ATR/QM: Exempt [redacted] No No   $3,300.00 [redacted] $2,687.86 5.375% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $1,667.04   NY       0.00% 0.00%                                         No No 0                 NA   No   1.100 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-116 [redacted]   ATR/QM: Exempt [redacted] No No   $11,941.00 [redacted] $1,533.91 3.875% Yes   Retired           US Citizen       [redacted]         1 [redacted] $1,266.96 [redacted] FL $1,663.72     0.00% 0.00%                                         No No 0                 NA   No   1.900 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-117 [redacted]   ATR/QM: Exempt [redacted] No No   $6,090.00 [redacted] $701.01 4.250% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $1,533.60 [redacted] FL $427.00     0.00% 0.00%                                         No No 0                 NA   No   1.050 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-118 [redacted]   ATR/QM: Exempt [redacted] No No   $2,769.00 [redacted] $664.58 4.750% Yes               US Citizen       [redacted]         2 [redacted] $2,045.04   MO       0.00% 0.00%                                         No No 0                 NA   No   1.440 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-119 [redacted]   ATR/QM: Exempt [redacted] No No   $3,420.00 [redacted] $1,004.17 4.750% Yes               US Citizen       [redacted]         2 [redacted] $2,168.04   MO       0.00% 0.00%                                         No No 0                 NA   No   1.500 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-120 [redacted]   ATR/QM: Exempt [redacted] No No   $14,797.00 [redacted] $1,504.81 4.000% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $969.96 [redacted] FL $434.00     0.00% 0.00%                                         No No 0   0.00%       100.00%     NA   No   0.960 Borrower - SESCorp Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-121 [redacted]   ATR/QM: Exempt [redacted] No No   $15,095.00 [redacted] $2,410.01 4.750% Yes               Foreign National       [redacted]         1 [redacted] $2,850.60 [redacted] FL $66.00     0.00% 0.00%                                         No No 0                 NA   No   0.930 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-122 [redacted]   ATR/QM: Exempt [redacted] No No   $19,000.00 [redacted] $4,110.55 4.625% Yes               Foreign National       [redacted]         1 [redacted] $3,372.00 [redacted] FL $346.00     0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0   0.00%       100.00%     NA   No   1.210 Borrower - SESCorp Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-123 [redacted]   ATR/QM: Exempt [redacted] No No   $20,605.00 [redacted] $3,087.22 4.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,207.04   AZ       0.00% 0.00%                                         No No 0                 NA   No   1.100 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-124 [redacted]   ATR/QM: Exempt [redacted] No No   $5,965.00 [redacted] $1,502.46 5.625% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $642.96 [redacted] FL $274.17     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-125 [redacted]   ATR/QM: Exempt [redacted] No No   $6,860.00 [redacted] $648.82 6.375% Yes               US Citizen       [redacted]         1 [redacted] $456.00 [redacted] FL $373.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-126 [redacted]   ATR/QM: Exempt [redacted] No No   $8,215.00 [redacted] $1,470.00 5.250% Yes               US Citizen       [redacted]         1 [redacted] $3,110.04   FL       0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-127 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 16900 $17,040.60 [redacted] $3,082.89 5.125% No   Self-Employed           Foreign National       [redacted]       $0.00 1 [redacted] $1,956.24   NJ       17.43% 17.43%                                         No Yes 24 Business 100.00%   24   100.00%     Missing   No   0.000 Borrower - SESCorp, Other REO Net Rental Income(Loss) - Missing CPA Letter Verified, 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 16900 [redacted] 3.100%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-128 [redacted]   ATR/QM: Exempt [redacted] No No   $8,893.00 [redacted] $1,478.43 3.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $873.96 [redacted] FL $175.50     0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-129 [redacted]   ATR/QM: Exempt [redacted] No No   $6,650.00 [redacted] $1,165.38 4.500% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $590.04   FL       0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-130 [redacted]   ATR/QM: Exempt [redacted] No No   $7,270.00 [redacted] $762.06 4.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $564.00 [redacted] FL $397.00     0.00% 0.00%                                         No No 0                 NA   No   1.090 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-131 [redacted]   ATR/QM: Exempt [redacted] No No   $11,690.00 [redacted] $2,795.01 6.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $2,178.00   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-132 [redacted]   ATR/QM: Exempt [redacted] No No   $5,217.50 [redacted] $1,115.05 5.875% Yes               Foreign National       [redacted]         1 [redacted] $794.76 [redacted] FL $604.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-133 [redacted]   ATR/QM: Exempt [redacted] No No   $13,145.00 [redacted] $1,978.52 6.000% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,734.00   PA       0.00% 0.00%                                         No No 0                 NA   No   0.920 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-134 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 14565 $14,880.27 [redacted] $2,360.35 3.990% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $873.96   CA       49.45% 49.45%                                         No Yes 24 Business 100.00%   24   100.00%     Yes 60 No   0.000 Borrower - CPA Letter Verified, 24 Months Business Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower [redacted] [redacted] [redacted] [redacted] [redacted]     0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 14565 [redacted] 3.100%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-135 [redacted]   ATR/QM: Exempt [redacted] No No   $9,257.50 [redacted] $3,313.61 6.625% Yes               US Citizen       [redacted]         1 [redacted] $1,361.16   CA       0.00% 0.00%                                         No No 0                 NA   No   0.720 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-136 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5300 $1,958.21 [redacted] $1,162.00 3.250% No   Self-Employed           US Citizen       [redacted]       $3,631.46 1 [redacted] $1,100.16 [redacted] CA $330.00     42.31% 42.31%                                         No No 2   0.00% 2     100.00%     NA   No   0.000 Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, null Personal Bank Statements Verified ALT DOC 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5300 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-137 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 13595 $14,672.19 [redacted] $5,017.79 3.375% No   Self-Employed           US Citizen       [redacted]       $11,252.87 1 [redacted] $1,627.20 [redacted] CA $181.00     42.30% 42.30%                                         No No 0   0.00%     36 100.00%   Third-Party Prepared (Unaudited) Yes 36 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 13595 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-138 [redacted]   ATR/QM: Exempt [redacted] No No   $8,068.00 [redacted] $845.04 5.125% Yes               US Citizen       [redacted]         1 [redacted] $890.04 [redacted] FL $363.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-139 [redacted]   ATR/QM: Exempt [redacted] No No   $13,100.00 [redacted] $1,282.71 5.875% Yes               US Citizen       [redacted]         1 [redacted] $1,054.08 [redacted] HI $993.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-140 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10610 $10,874.50 [redacted] $3,105.00 9.000% No   Employed           US Citizen       [redacted]       $4,374.38 1 [redacted] $1,348.20   CA       45.47% 45.47%                                         No No 0   0.00%       100.00%     NA   Yes 34 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10610 [redacted] 3.100%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-141 [redacted]   ATR/QM: Exempt [redacted] No No   $7,345.00 [redacted] $1,525.82 4.750% Yes               Foreign National       [redacted]         1 [redacted] $278.04 [redacted] UT $291.50     0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-142 [redacted]   ATR/QM: Exempt [redacted] No No   $9,950.00 [redacted] $2,222.95 3.750% Yes               US Citizen       [redacted]         1 [redacted] $885.00   NY       0.00% 0.00%                                         No No 0                 NA   No   1.090 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-143 [redacted]   ATR/QM: Exempt [redacted] No No   $28,862.50 [redacted] $5,612.65 5.625% Yes               US Citizen       [redacted]         1 [redacted] $3,495.48   FL       0.00% 0.00%                                         No No 0                 NA   No   0.740 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-144 [redacted]   ATR/QM: Exempt [redacted] No No   $9,967.75 [redacted] $1,337.25 3.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,385.04   CO       0.00% 0.00%                                         No No 0                 NA   No   0.990 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-145 [redacted]   ATR/QM: Exempt [redacted] No No   $3,542.00 [redacted] $1,052.44 4.625% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,230.96 [redacted] OK $33.33 20220301   0.00% 0.00%                                         No No 0                 NA   No   1.250 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-146 [redacted]   ATR/QM: Exempt [redacted] No No   $7,450.00 [redacted] $1,093.70 6.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $924.96   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-147 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8872.5 $1,678.95 [redacted] $1,974.70 3.625% No   Self-Employed           US Citizen       [redacted]       $4,994.90 1 [redacted] $2,052.96   FL       36.15% 36.15%                                         No No 0   0.00%     33 100.00%   Third-Party Prepared (Unaudited) Yes 33 No   0.000 Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8872.5 [redacted] 3.100%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-148 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5492.5 $7,696.10 [redacted] $1,305.91 8.625% No No Employed Employed         US Citizen Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $2,021.04 [redacted] FL $952.00     47.55% 47.55%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified Full Doc 2 2 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5492.5 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-149 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 29420 $33,663.75 [redacted] $6,039.24 5.000% No   Employed           US Citizen       [redacted]         1 [redacted] $4,145.40 [redacted] AL $250.00     25.46% 25.46%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 29420 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-150 [redacted]   ATR/QM: Exempt [redacted] No No   $5,890.00 [redacted] $1,294.92 5.250% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $746.04 [redacted] FL $450.00     0.00% 0.00%                                         No No 0                 NA   No   0.770 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-151 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No   $5,980.13 [redacted] $1,162.71 3.375% Yes   Not Employed           US Citizen       [redacted]       $0.00 1 [redacted] $927.00 [redacted] FL $459.00 20220201   25.44% 25.44%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - Other - Award Letter Verified Retirement Income Doc Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5285 [redacted] 3.170%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-152 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8045 $9,818.67 [redacted] $1,475.82 4.250% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,574.16   CA       27.73% 27.73%                                         No Yes 12 Personal 100.00% 12     100.00%     Yes 24 No   0.000 Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified || Co Borrower 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8045 [redacted] 3.100%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-153 [redacted]   ATR/QM: Exempt [redacted] No No   $36,030.00 [redacted] $5,439.44 6.625% Yes               Foreign National       [redacted]         1 [redacted] $981.00 [redacted] FL $1,521.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-154 [redacted]   ATR/QM: Exempt [redacted] No No   $4,907.50 [redacted] $1,350.78 7.125% Yes               Foreign National       [redacted]         1 [redacted] $3,711.36   FL       0.00% 0.00%                                         No No 0                 NA   No   0.920 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-155 [redacted]   ATR/QM: Exempt [redacted] No No   $6,890.00 [redacted] $1,013.16 5.625% Yes   Employed           Permanent Resident Alien       [redacted]         1 [redacted] $1,218.96 [redacted] FL $350.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-156 [redacted]   ATR/QM: Exempt [redacted] No No   $7,435.00 [redacted] $1,139.80 5.625% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $195.96 [redacted] CT $228.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-157 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10490 $2,173.94 [redacted] $4,091.06 3.875% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,039.04   CA       48.82% 48.82%                                         No Yes 24 Business 0.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10490 [redacted] 3.100%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-158 [redacted]   ATR/QM: Exempt [redacted] No No   $14,593.00 [redacted] $3,261.27 5.375% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,973.04 [redacted] FL $70.42 20230106   0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-159 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5840 $6,583.53 [redacted] $968.69 7.250% No No Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,416.00   FL       18.23% 18.23%                                         No Yes 24 Personal 0.00% 24     100.00%     Yes 12 No   0.000 Borrower - Wage - CPA Letter Verified, 24 Months Personal Bank Statements Verified || Co Borrower - Wage - 24 Months Personal Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5840 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-160 [redacted]   ATR/QM: Exempt [redacted] No No   $8,362.50 [redacted] $2,824.43 7.625% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $970.20   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-161 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10254 $2,423.40 [redacted] $1,896.00 3.875% No   Self-Employed           Permanent Resident Alien       [redacted]       $7,569.60 1 [redacted] $1,274.04   CA       26.62% 26.62%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10254 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-162 [redacted]   ATR/QM: Exempt [redacted] No No   $5,444.75 [redacted] $887.79 3.750% Yes               US Citizen       [redacted]         1 [redacted] $500.88   CA       0.00% 0.00%                                         No No 0                 NA   No   1.490 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-163 [redacted]   ATR/QM: Exempt [redacted] No No   $3,050.00 [redacted] $707.79 7.625% Yes               Foreign National       [redacted]         1 [redacted] $1,941.96 [redacted] FL $463.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-164 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,470.60 5.750% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,059.00 [redacted] NV $99.00 20220301   0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-165 [redacted]   ATR/QM: Exempt [redacted] No No   $25,769.86 [redacted] $3,256.79 6.125% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,577.04 [redacted] FL $853.41     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-166 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8401 $1,386.72 [redacted] $1,633.26 6.500% No   Self-Employed           Permanent Resident Alien       [redacted]       $3,157.29 1 [redacted] $1,280.04   AZ       38.94% 38.94%                                         No Yes 15 Personal 100.00% 15     100.00%     NA   No   0.000 Borrower - Wage - 12 Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8401 [redacted] 3.100%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-167 [redacted]   ATR/QM: Exempt [redacted] No No   $15,799.00 [redacted] $3,082.79 6.750% Yes               Foreign National       [redacted]         1 [redacted] $3,507.96 [redacted] GA $50.00     0.00% 0.00%                                         No No 0                 NA   No   0.950 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-168 [redacted]   ATR/QM: Exempt [redacted] No No   $8,857.50 [redacted] $1,644.80 6.125% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $2,535.96 [redacted] FL $377.92     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-169 [redacted]   ATR/QM: Exempt [redacted] No No   $6,071.88 [redacted] $1,085.53 8.125% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $822.96   PA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-170 [redacted]   ATR/QM: Exempt [redacted] No No   $15,990.00 [redacted] $1,542.42 4.625% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,056.00 [redacted] FL $424.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-171 [redacted]   ATR/QM: Exempt [redacted] No No   $6,484.00 [redacted] $1,005.99 6.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,218.96 [redacted] FL $250.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-172 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5173 $3,120.63 [redacted] $1,917.23 8.250% No   Employed           US Citizen       [redacted]         1 [redacted] $1,005.96   CA       49.68% 49.68%                                         No No 0   0.00%       0.00%     NA   Yes 12 0.000 Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 1 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5173 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-173 [redacted]   ATR/QM: Exempt [redacted] No No   $10,876.00 [redacted] $1,726.74 5.250% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $992.04 [redacted] FL $398.00 20220401   0.00% 0.00%                                         No No 0                 NA   No   0.900 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-174 [redacted]   ATR/QM: Exempt [redacted] No No   $2,490.00 [redacted] $1,522.24 6.375% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $770.04 [redacted] FL $223.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-175 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8051 $10,018.90 [redacted] $1,915.80 6.125% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $641.88 [redacted] FL $706.00 20220201   48.81% 48.81%                                         No Yes 14 Business 100.00%   14   100.00%     NA   No   0.000 Borrower - SECorporation - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8051 [redacted] 3.280%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-176 [redacted]   ATR/QM: Exempt [redacted] No No   $8,325.00 [redacted] $1,798.27 5.875% Yes               US Citizen       [redacted]         1 [redacted] $1,873.80 [redacted] TX $66.67     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-177 [redacted]   ATR/QM: Exempt [redacted] No No   $5,889.00 [redacted] $524.20 4.000% Yes               US Citizen       [redacted]         1 [redacted] $1,118.04 [redacted] FL $450.00 20220111   0.00% 0.00%                                         No No 0                 NA   No   1.610 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-178 [redacted]   ATR/QM: Exempt [redacted] No No   $21,362.75 [redacted] $3,543.56 5.000% Yes               Foreign National       [redacted]         1 [redacted] $3,801.72 [redacted] FL $216.00     0.00% 0.00%                                         No No 0                 NA   No   0.780 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-179 [redacted]   ATR/QM: Exempt [redacted] No No   $7,925.00 [redacted] $1,798.27 5.875% Yes               Foreign National       [redacted]         1 [redacted] $1,577.04 [redacted] FL $22.17     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-180 [redacted]   ATR/QM: Exempt [redacted] No No   $7,510.00 [redacted] $1,839.25 7.125% Yes   Employed           US Citizen       [redacted]         2 [redacted] $7,704.00   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   [redacted] 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-181 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4126 $2,478.36 [redacted] $1,829.55 4.125% No   Self-Employed           US Citizen       [redacted]       $24,226.58 1 [redacted] $1,989.36 [redacted] FL $169.00 20220106   10.80% 10.80%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SECorporation - 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4126 [redacted] 3.170%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-182 [redacted]   ATR/QM: Exempt [redacted] No No   $7,682.50 [redacted] $2,342.13 5.500% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,033.80   WA       0.00% 0.00%                                         No No 0                 NA   No   0.700 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-183 [redacted]   ATR/QM: Exempt [redacted] No No   $4,012.00 [redacted] $821.12 3.990% Yes   Employed           US Citizen       [redacted]         1 [redacted] $456.84 [redacted] CA $301.98     0.00% 0.00%                                         No No 0                 NA   No   1.290 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-184 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8415 $10,630.38 [redacted] $2,581.25 7.875% No   Self-Employed           US Citizen       [redacted]       $9,527.64 1 [redacted] $1,488.00   FL       27.19% 27.19%                                         No Yes 14 Business 100.00%   14   100.00%     Yes 24 No   0.000 Borrower - SECorporation - CPA Letter Verified, 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8415 [redacted] 3.280%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-185 [redacted]   ATR/QM: Exempt [redacted] No No   $22,276.00 [redacted] $3,704.21 5.875% Yes Yes             Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $4,692.00 [redacted] FL $326.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-186 [redacted]   ATR/QM: Exempt [redacted] No No   $5,604.00 [redacted] $1,625.39 6.750% Yes               Permanent Resident Alien       [redacted]         2 [redacted] $2,219.40   IL       0.00% 0.00%                                         No No 0                 NA   No   1.380 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-187 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $2,724.11 6.750% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         4 [redacted] $2,927.04   IL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.610 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-188 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4270 $2,871.77 [redacted] $1,441.83 4.125% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,155.48 [redacted] FL $885.00     43.99% 43.99%                                         No Yes 24 Business 0.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4270 [redacted] 3.280%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-189 [redacted]   ATR/QM: Exempt [redacted] No No   $6,390.00 [redacted] $677.39 4.875% Yes               Foreign National       [redacted]         1 [redacted] $1,980.00 [redacted] FL $274.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-190 [redacted]   ATR/QM: Exempt [redacted] No No   $9,048.00 [redacted] $1,881.59 6.375% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $3,879.96 [redacted] FL $376.67     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-191 [redacted]   ATR/QM: Exempt [redacted] No No   $12,550.00 [redacted] $1,312.50 3.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $4,662.00   FL       0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-192 [redacted]   ATR/QM: Exempt [redacted] No No   $9,446.00 [redacted] $1,316.69 6.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,789.92 [redacted] FL $416.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   0.640 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-193 [redacted]   ATR/QM: Exempt [redacted] No No   $4,575.00 [redacted] $1,448.33 3.875% Yes               US Citizen       [redacted]         2 [redacted] $1,023.12   CA       0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-194 [redacted]   ATR/QM: Exempt [redacted] No No   $8,895.00 [redacted] $1,793.20 4.125% Yes               US Citizen       [redacted]         2 [redacted] $1,495.68   CA       0.00% 0.00%                                         No No 0                 NA   No   1.610 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-195 [redacted]   ATR/QM: Exempt [redacted] No No   $27,520.50 [redacted] $5,778.28 6.375% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $5,970.96   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-196 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 20756 $23,098.68 [redacted] $3,584.71 6.250% No   Self-Employed           US Citizen       [redacted]       $112,245.50 1 [redacted] $2,255.76   CA       4.19% 4.19%                                         No Yes 13 Business 100.00%   13   100.00%     NA   No   0.000 Borrower - SECorporation - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation 20756 [redacted] 3.280%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-197 [redacted]   ATR/QM: Exempt [redacted] No No   $5,282.50 [redacted] $1,384.72 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,032.00 [redacted] MD $126.00     0.00% 0.00%                                         No No 0                 NA   No   1.440 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-198 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8604 $9,482.54 [redacted] $1,566.28 7.250% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $3,125.04 [redacted] FL $279.00     42.49% 42.49%                                         No No 0   0.00%     24 100.00%   Third-Party Prepared (Unaudited) Yes 24 No   0.000 Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8604 [redacted] 3.280%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-199 [redacted]   ATR/QM: Exempt [redacted] No No   $5,255.00 [redacted] $864.28 5.000% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $809.52 [redacted] NC $27.08     0.00% 0.00%                                         No No 0                 NA   No   1.580 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-200 [redacted]   ATR/QM: Exempt [redacted] No No   $27,744.50 [redacted] $4,114.57 3.875% Yes               Foreign National       [redacted]         1 [redacted] $8,262.00 [redacted] FL $97.00     0.00% 0.00%                                         No No 0                 NA   No   1.630 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-201 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5850 $7,119.40 [redacted] $2,074.00 8.500% No No Employed Employed         US Citizen US Citizen     [redacted] [redacted]     $5,099.67 1 [redacted] $344.04 [redacted] AZ $60.00 20220110   40.80% 40.80%                                         No No 0   0.00%       100.00%     NA   Yes 5 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 2 0 0 0 0 Borrower || Co Borrower [redacted] [redacted] [redacted] [redacted] [redacted]     0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5850 [redacted] 3.280%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-202 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4745 $1,704.69 [redacted] $874.03 4.500% No   Retired           US Citizen       [redacted]       $2,403.92 1 [redacted] $876.24 [redacted] FL $418.00     42.11% 42.11%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - SSI and Disability, Retirement - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Award Letter Verified Full Doc 2 0 1 0 0 0 Borrower - 1 YR Personal Tax Returns Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4745 [redacted] 3.280%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-203 [redacted]   ATR/QM: Exempt [redacted] No No   $13,215.00 [redacted] $2,633.31 6.750% Yes               Foreign National       [redacted]         1 [redacted] $6,003.00   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-204 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $2,082.48 4.500% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $3,868.20   FL       0.00% 0.00%                                         No No 0                 NA   No   0.920 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-205 [redacted]   ATR/QM: Exempt [redacted] No No   $13,090.00 [redacted] $1,317.67 4.000% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $960.00 [redacted] FL $483.33 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.070 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-206 [redacted]   ATR/QM: Exempt [redacted] No No   $7,650.00 [redacted] $1,567.92 5.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $755.04 [redacted] FL $3.33     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-207 [redacted]   ATR/QM: Exempt [redacted] No No   $5,769.00 [redacted] $1,004.90 3.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $702.00 [redacted] VA $317.00     0.00% 0.00%                                         No No 0                 NA   No   1.090 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-208 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 25315 $5,523.75 [redacted] $8,551.57 5.000% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $4,449.96 [redacted] CA $525.00     33.83% 33.83%                                         No Yes 12 Business 100.00%   12   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation 25315 [redacted] 3.280%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-209 [redacted]   ATR/QM: Exempt [redacted] No No   $23,490.00 [redacted] $3,704.46 4.875% No No             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $3,501.96 [redacted] FL $115.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-210 [redacted]   ATR/QM: Exempt [redacted] No No   $1,485.00 [redacted] $2,374.28 5.375% Yes               US Citizen       [redacted]         1 [redacted] $915.00 [redacted] CA $75.00     0.00% 0.00%                                         No No 0                 NA   No   0.970 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-211 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $903.08 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $987.00 [redacted] TX $4.75     0.00% 0.00%                                         No No 0                 NA   No   1.370 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-212 [redacted]   ATR/QM: Exempt [redacted] No No   $9,928.33 [redacted] $2,864.49 4.000% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $879.00   CA       0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-213 [redacted]   ATR/QM: Exempt [redacted] No No   $5,947.06 [redacted] $1,262.69 6.625% Yes Yes Self-Employed Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $838.56 [redacted] FL $951.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-214 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 2909.04 $3,173.55 [redacted] $786.44 5.000% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,727.24   FL       42.34% 42.34%                                         No Yes 12 Business 0.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 2909.04 [redacted] 3.510%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-215 [redacted]   ATR/QM: Exempt [redacted] No No   $2,860.00 [redacted] $842.87 3.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $909.00 [redacted] TX $29.83     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.320 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-216 [redacted]   ATR/QM: Exempt [redacted] No No   $5,254.00 [redacted] $910.87 7.125% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $845.64 [redacted] FL $506.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-217 [redacted]   ATR/QM: Exempt [redacted] No No   $5,063.50 [redacted] $797.49 3.750% Yes Yes Not Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,032.00 [redacted] TX $29.17     0.00% 0.00%                                         No No 0                 NA   No   1.340 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-218 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,587.62 4.875% Yes               US Citizen       [redacted]         4 [redacted] $1,460.04   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-219 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,153.60 4.250% Yes   Not Employed           Foreign National       [redacted]         1 [redacted] $758.04 [redacted] FL $290.00     0.00% 0.00%                                         No No 0                 NA   No   1.460 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-220 [redacted]   ATR/QM: Exempt [redacted] No No   $12,928.00 [redacted] $1,528.95 4.250% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $996.96 [redacted] FL $827.00     0.00% 0.00%                                         No No 0                 NA   No   0.930 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-221 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12295 $14,765.62 [redacted] $3,613.11 6.875% No   Self-Employed           US Citizen       [redacted]       $5,126.10 1 [redacted] $1,259.04   CA       47.08% 47.08%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - SESoleProprietor - 2 YRS W2 1099 Verified ALT DOC 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 12295 [redacted] 3.280%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-222 [redacted]   ATR/QM: Exempt [redacted] No No   $10,270.00 [redacted] $2,562.02 6.875% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $2,127.00   NY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-223 [redacted]   ATR/QM: Exempt [redacted] No No   $22,941.25 [redacted] $2,123.12 3.875% Yes Yes             US Citizen Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $1,851.00 [redacted] FL $695.00     0.00% 0.00%                                         No No 0                 NA   No   0.770 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-224 [redacted]   ATR/QM: Exempt [redacted] No No   $10,640.00 [redacted] $1,681.30 6.500% Yes               US Citizen       [redacted]         1 [redacted] $0.00 [redacted] MA $428.00     0.00% 0.00%                                         No No 0                 NA   No   1.130 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-225 [redacted]   ATR/QM: Exempt [redacted] No No   $7,519.00 [redacted] $479.32 4.000% Yes               US Citizen       [redacted]         1 [redacted] $28,223.04 [redacted] SC $655.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-226 [redacted]   ATR/QM: Exempt [redacted] No No   $13,645.00 [redacted] $2,500.82 3.750% Yes               US Citizen       [redacted]         4 [redacted] $2,070.36   CA       0.00% 0.00%                                         No No 0                 NA   No   1.850 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-227 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 14910 $3,171.44 [redacted] $3,988.35 6.500% No No Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $995.04   CA       18.45% 18.45%                                         No Yes 12 Business 0.00%   12   100.00%     NA   No   0.000 Borrower - 12 Business Bank Statements Verified || Co Borrower - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified 12 Month Bank Statement 0 2 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 14910 [redacted] 3.170%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-228 [redacted]   ATR/QM: Exempt [redacted] No No   $14,500.00 [redacted] $2,200.00 6.000% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $4,779.24   FL       0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-229 [redacted]   ATR/QM: Exempt [redacted] No No   $4,995.00 [redacted] $2,778.69 3.750% No   Employed           US Citizen       [redacted]         2 [redacted] $1,293.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.150 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-230 [redacted]   ATR/QM: Exempt [redacted] No No   $6,483.00 [redacted] $953.56 5.875% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $1,049.04 [redacted] FL $275.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-231 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $839.58 4.500% Yes   Employed           Foreign National       [redacted]         1 [redacted] $1,127.64 [redacted] FL $448.00     0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-232 [redacted]   ATR/QM: Exempt [redacted] No No   $13,770.00 [redacted] $3,611.35 6.625% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $1,191.00   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-233 [redacted]   ATR/QM: Exempt [redacted] No No   $4,690.50 [redacted] $845.65 3.750% No No Self-Employed           US Citizen       [redacted] [redacted]       1 [redacted] $1,011.00 [redacted] TX $29.17 20220107   0.00% 0.00%                                         No No 0                 NA   No   1.210 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-234 [redacted]   ATR/QM: Exempt [redacted] No No   $11,881.00 [redacted] $1,349.50 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,185.96   MD       0.00% 0.00%                                         No No 0                 NA   No   1.540 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0     [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-235 [redacted]   ATR/QM: Exempt [redacted] No No   $16,335.00 [redacted] $1,815.41 3.750% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $1,320.00 [redacted] IN $33.33     0.00% 0.00%                                         No No 0                 NA   No   1.230 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-236 [redacted]   ATR/QM: Exempt [redacted] No No   $8,643.00 [redacted] $746.54 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,191.96   PA       0.00% 0.00%                                         No No 0                 NA   No   1.640 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-237 [redacted]   ATR/QM: Exempt [redacted] No No   $15,730.38 [redacted] $1,170.44 4.500% Yes               US Citizen       [redacted]         1 [redacted] $525.00 [redacted] SC $1,234.91     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-238 [redacted]   ATR/QM: Exempt [redacted] No No   $2,996.88 [redacted] $1,453.95 4.125% Yes               US Citizen       [redacted]         1 [redacted] $1,699.68 [redacted] FL $443.00     0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-239 [redacted]   ATR/QM: Exempt [redacted] No No   $5,645.00 [redacted] $684.45 5.000% Yes               US Citizen       [redacted]         1 [redacted] $744.96 [redacted] MA $200.00     0.00% 0.00%                                         No No 0                 NA   No   1.660 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-240 [redacted]   ATR/QM: Exempt [redacted] No No   $25,754.49 [redacted] $2,078.73 4.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,973.04 [redacted] FL $168.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-241 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $857.57 5.125% Yes   Employed           Foreign National       [redacted]         1 [redacted] $646.44 [redacted] FL $35.75     0.00% 0.00%                                         No No 0                 NA   No   1.410 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-242 [redacted]   ATR/QM: Exempt [redacted] No No   $2,110.00 [redacted] $1,613.41 6.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,857.96 [redacted] DE $250.00     0.00% 0.00%                                         No No 0                 NA   No   0.980 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-243 [redacted]   ATR/QM: Exempt [redacted] No No   $4,847.67 [redacted] $510.83 4.000% Yes   Employed           US Citizen       [redacted]         1 [redacted] $27,223.08 [redacted] SC $655.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-244 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 13560 $13,533.47 [redacted] $1,925.29 5.125% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $474.00 [redacted] CA $385.00     47.59% 53.01%                                         No No 0   0.00%     36 100.00%   Borrower Prepared Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 13560 [redacted] 3.280%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-245 [redacted]   ATR/QM: Exempt [redacted] No No   $14,252.50 [redacted] $3,354.02 5.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $2,165.04   NY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-246 [redacted]   ATR/QM: Exempt [redacted] No No   $11,433.75 [redacted] $948.86 4.000% Yes               US Citizen       [redacted]         1 [redacted] $1,683.12 [redacted] FL $759.00     0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-247 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $694.32 4.875% Yes Yes Employed Employed         Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $944.04 [redacted] FL $283.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-248 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $4,745.52 6.275% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $5,156.04 [redacted] FL $335.00     0.00% 0.00%                                         No No 0                 NA   No   0.830 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-249 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,180.94 3.750% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $816.96 [redacted] FL $72.00     0.00% 0.00%                                         No No 0                 NA   No   1.280 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-250 [redacted]   ATR/QM: Exempt [redacted] No No   $18,430.00 [redacted] $3,100.13 5.500% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $2,395.44 [redacted] FL $1,089.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-251 [redacted]   ATR/QM: Exempt [redacted] No No   $22,660.00 [redacted] $9,089.46 5.000% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $2,070.00 [redacted] NY $1,912.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0   [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-252 [redacted]   ATR/QM: Exempt [redacted] No No   $8,690.00 [redacted] $2,236.75 7.125% Yes Yes Employed           Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $485.04 [redacted] MA $50.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-253 [redacted]   ATR/QM: Exempt [redacted] No No   $10,405.00 [redacted] $2,063.18 3.750% Yes               US Citizen       [redacted]         1 [redacted] $701.04 [redacted] WA $58.00     0.00% 0.00%                                         No No 0                 NA   No   1.210 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-254 [redacted]   ATR/QM: Exempt [redacted] No No   $4,982.25 [redacted] $707.18 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,208.96 [redacted] TX $4.17     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.320 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-255 [redacted]   ATR/QM: Exempt [redacted] No No   $11,149.00 [redacted] $1,728.84 6.625% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $3,198.96   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-256 [redacted]   ATR/QM: Exempt [redacted] No No   $4,316.00 [redacted] $746.54 3.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $852.96 [redacted] TX $26.25     0.00% 0.00%                                         No No 0                 NA   No   1.320 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-257 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $579.81 5.250% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $599.04   PA       0.00% 0.00%                                         No No 0                 NA   No   1.350 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-258 [redacted]   ATR/QM: Exempt [redacted] No No   $10,810.00 [redacted] $1,774.22 6.125% Yes               Foreign National       [redacted]         1 [redacted] $1,238.04 [redacted] FL $305.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-259 [redacted]   ATR/QM: Exempt [redacted] No No   $3,839.00 [redacted] $1,539.84 6.875% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $4,065.00   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-260 [redacted]   ATR/QM: Exempt [redacted] No No   $7,998.25 [redacted] $1,026.53 3.875% Yes Yes Employed Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $636.00 [redacted] FL $585.00     0.00% 0.00%                                         No No 0                 NA   No   0.940 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-261 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $2,174.48 7.875% Yes Yes Not Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,651.16 [redacted] TX $456.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-262 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,578.32 4.500% Yes   Retired           Non Permanent Resident Alien       [redacted]         1 [redacted] $3,751.56 [redacted] FL $196.67     0.00% 0.00%                                         No No 0                 NA   No   0.920 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-263 [redacted]   ATR/QM: Exempt [redacted] No No   $1,782.00 [redacted] $9,512.91 7.875% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $364.68 [redacted] CA $300.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-264 [redacted]   ATR/QM: Exempt [redacted] No No   $5,559.00 [redacted] $1,202.00 5.875% Yes               Foreign National       [redacted]         1 [redacted] $3,653.88 [redacted] FL $645.00     0.00% 0.00%                                         No No 0                 NA   No   0.880 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-265 [redacted]   ATR/QM: Exempt [redacted] No No   $4,144.76 [redacted] $1,147.44 6.625% Yes               US Citizen       [redacted]         1 [redacted] $2,040.84 [redacted] TX $138.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-266 [redacted]   ATR/QM: Exempt [redacted] No No   $7,226.00 [redacted] $1,113.37 7.375% Yes               Permanent Resident Alien       [redacted]         2 [redacted] $1,281.96   NY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-267 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $6,171.26 7.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,520.64   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-268 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9712 $10,474.50 [redacted] $1,573.27 4.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,242.08 [redacted] TX $28.33     15.63% 15.63%                                         No Yes 24 Business 0.00%   24   30.00%     Yes 24 No   0.000 Borrower - SEPartnership - CPA Letter Verified, 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9712 [redacted] 3.620%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-269 [redacted]   ATR/QM: Exempt [redacted] No No   $9,395.00 [redacted] $4,301.45 5.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,731.00   DC       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-270 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5673 $1,471.54 [redacted] $853.65 4.990% No No Self-Employed Self-Employed         Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $1,331.04   FL       24.10% 24.10%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified || Co Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5673 [redacted] 3.620%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-271 [redacted]   ATR/QM: Exempt [redacted] No No   $5,966.00 [redacted] $1,112.94 5.375% Yes               Foreign National       [redacted]         1 [redacted] $789.00 [redacted] NC $137.00     0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-272 [redacted]   ATR/QM: Exempt [redacted] No No   $4,839.00 [redacted] $989.05 5.875% Yes               US Citizen       [redacted]         1 [redacted] $1,519.32 [redacted] FL $112.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-273 [redacted]   ATR/QM: Exempt [redacted] No No   $5,735.50 [redacted] $1,539.26 5.125% Yes               Foreign National       [redacted]         1 [redacted] $904.08 [redacted] FL $522.00     0.00% 0.00%                                         No No 0                 NA   No   0.850 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-274 [redacted]   ATR/QM: Exempt [redacted] No No   $10,251.75 [redacted] $1,216.76 4.375% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,769.04 [redacted] FL $36.92     0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0         0 0   [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-275 [redacted]   ATR/QM: Exempt [redacted] No No   $4,665.00 [redacted] $861.37 4.500% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $907.08 [redacted] FL $283.87     0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0   [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-276 [redacted]   ATR/QM: Exempt [redacted] No No   $3,257.00 [redacted] $866.80 4.250% Yes               US Citizen       [redacted]         1 [redacted] $2,121.00 [redacted] FL $648.00     0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-277 [redacted]   ATR/QM: Exempt [redacted] No No   $1,990.00 [redacted] $904.00 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $912.00 [redacted] FL $21.08     0.00% 0.00%                                         No No 0                 NA   No   1.470 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-278 [redacted]   ATR/QM: Exempt [redacted] No No   $7,865.00 [redacted] $4,345.46 7.250% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,530.00 [redacted] CA $250.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   [redacted]     [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-279 [redacted]   ATR/QM: Exempt [redacted] No No   $8,795.00 [redacted] $1,620.90 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       3 [redacted] $1,065.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.390 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-280 [redacted]   ATR/QM: Exempt [redacted] No No   $6,500.00 [redacted] $1,298.09 7.625% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $4,975.20   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-281 [redacted]   ATR/QM: Exempt [redacted] No No   $4,145.60 [redacted] $821.12 3.990% Yes               US Citizen       [redacted]         1 [redacted] $456.84 [redacted] CA $302.00     0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-282 [redacted]   ATR/QM: Exempt [redacted] No No   $10,124.00 [redacted] $1,329.37 4.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $825.00 [redacted] FL $290.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-283 [redacted]   ATR/QM: Exempt [redacted] No No   $6,321.00 [redacted] $1,521.58 3.875% Yes               US Citizen       [redacted]         1 [redacted] $6,737.04   FL       0.00% 0.00%                                         No No 0                 NA   No   1.460 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-284 [redacted]   ATR/QM: Exempt [redacted] No No   $8,240.00 [redacted] $1,333.60 4.875% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $836.04 [redacted] FL $290.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-285 [redacted]   ATR/QM: Exempt [redacted] No No   $7,401.00 [redacted] $1,388.61 3.875% Yes               US Citizen       [redacted]         1 [redacted] $177.84 [redacted] GA $190.00     0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-286 [redacted]   ATR/QM: Exempt [redacted] No No   $6,190.00 [redacted] $1,259.38 3.875% Yes               US Citizen       [redacted]         1 [redacted] $3,884.04   FL       0.00% 0.00%                                         No No 0                 NA   No   1.250 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-287 [redacted]   ATR/QM: Exempt [redacted] No No   $11,387.00 [redacted] $1,162.90 3.875% Yes               Foreign National       [redacted]         1 [redacted] $1,179.96 [redacted] TX $20.00 20220125   0.00% 0.00%                                         No No 0                 NA   No   1.350 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-288 [redacted]   ATR/QM: Exempt [redacted] No No   $7,108.00 [redacted] $2,073.17 6.125% Yes               US Citizen       [redacted]         1 [redacted] $4,380.48   GA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-289 [redacted]   ATR/QM: Exempt [redacted] No No   $4,566.25 [redacted] $812.77 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,026.96 [redacted] TX $36.67 20230125   0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0           100.00%     NA   No   1.630 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-290 [redacted]   ATR/QM: Exempt [redacted] No No   $4,475.25 [redacted] $788.69 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $923.04 [redacted] TX $26.25 20230125   0.00% 0.00%                                         No No 0                 NA   No   1.300 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-291 [redacted]   ATR/QM: Exempt [redacted] No No   $4,680.00 [redacted] $842.87 3.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,047.96 [redacted] TX $25.00     0.00% 0.00%                                         No No 0                 NA   No   1.290 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-292 [redacted]   ATR/QM: Exempt [redacted] No No   $5,303.00 [redacted] $777.13 6.125% Yes               US Citizen       [redacted]         1 [redacted] $441.00 [redacted] FL $341.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-293 [redacted]   ATR/QM: Exempt [redacted] No No   $20,495.00 [redacted] $13,448.08 7.625% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $7,292.04   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-294 [redacted]   ATR/QM: Exempt [redacted] No No   $5,007.00 [redacted] $1,236.27 6.000% Yes               US Citizen       [redacted]         1 [redacted] $816.00 [redacted] SC $1,036.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-295 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12090 $12,403.85 [redacted] $2,023.71 3.250% No No Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,008.12   CA       24.46% 24.46%                                         No Yes 12 Personal 100.00% 12     100.00%     NA   No   0.000 Borrower - SESoleProprietor - 12 Personal Bank Statements Verified || Co Borrower - SESoleProprietor - 12 Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 12090 [redacted] 3.510%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-296 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4113.75 $4,216.25 [redacted] $614.54 6.000% No   Employed           US Citizen       [redacted]         1 [redacted] $762.00   PA       43.83% 43.83%                                         No No 0   100.00%       0.00%     NA   Yes 36 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted] [redacted]     0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4113.75 [redacted] 3.620%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-297 [redacted]   ATR/QM: Exempt [redacted] No No   $22,048.75 [redacted] $7,350.23 9.000% Yes               US Citizen       [redacted]         3 [redacted] $2,260.80   NY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted]   [redacted]   0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-298 [redacted]   ATR/QM: Exempt [redacted] No No   $5,765.00 [redacted] $1,463.76 4.625% Yes               Foreign National       [redacted]         1 [redacted] $912.00 [redacted] FL $65.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-299 [redacted]   ATR/QM: Exempt [redacted] No No   $4,910.00 [redacted] $756.77 4.875% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $927.00 [redacted] FL $247.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.150 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-300 [redacted]   ATR/QM: Exempt [redacted] No No   $11,080.00 [redacted] $1,756.55 5.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,403.04   MD       0.00% 0.00%                                         No No 0                 NA   No   1.370 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-301 [redacted]   ATR/QM: Exempt [redacted] No No   $9,175.00 [redacted] $3,227.88 5.500% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,052.04 [redacted] NV $120.00     0.00% 0.00%                                         No No 0                 NA   No   0.860 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-302 [redacted]   ATR/QM: Exempt [redacted] No No   $4,081.00 [redacted] $972.56 4.025% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $747.96   FL       0.00% 0.00%                                         No No 0                 NA   No   1.720 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-303 [redacted]   ATR/QM: Exempt [redacted] No No   $6,005.00 [redacted] $1,314.55 4.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $557.28   NJ       0.00% 0.00%                                         No No 0                 NA   No   1.200 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-304 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,428.48 5.000% Yes Yes Employed Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $618.96 [redacted] TX $82.92 20220113   0.00% 0.00%                                         No No 0                 NA   No   1.370 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-305 [redacted]   ATR/QM: Exempt [redacted] No No   $6,765.00 [redacted] $1,220.31 3.750% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,226.16 [redacted] AZ $246.00     0.00% 0.00%                                         No No 0                 NA   No   0.870 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-306 [redacted]   ATR/QM: Exempt [redacted] No No   $5,395.00 [redacted] $930.96 4.000% Yes               US Citizen       [redacted]         1 [redacted] $915.96 [redacted] CA $392.00     0.00% 0.00%                                         No No 0                 NA   No   0.970 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   [redacted] 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-307 [redacted]   ATR/QM: Exempt [redacted] No No   $5,135.00 [redacted] $858.44 3.900% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $379.44 [redacted] GA $186.00 20220126   0.00% 0.00%                                         No No 0                 NA   No   1.130 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-308 [redacted]   ATR/QM: Exempt [redacted] No No   $7,266.00 [redacted] $1,790.84 4.875% Yes               US Citizen       [redacted]         1 [redacted] $699.96   OR       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-309 [redacted]   ATR/QM: Exempt [redacted] No No   $4,420.00 [redacted] $568.98 5.750% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $704.76 [redacted] SC $541.00 20220301   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-310 [redacted]   ATR/QM: Exempt [redacted] No No   $7,330.00 [redacted] $972.11 5.375% Yes               US Citizen       [redacted]         1 [redacted] $621.72 [redacted] CA $250.00     0.00% 0.00%                                         No No 0                 NA   No   1.150 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-311 [redacted]   ATR/QM: Exempt [redacted] No No   $2,762.50 [redacted] $722.03 4.500% Yes               US Citizen       [redacted]         1 [redacted] $977.04 [redacted] DE $200.00     0.00% 0.00%                                         No No 0                 NA   No   1.350 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-312 [redacted]   ATR/QM: Exempt [redacted] No No   $9,065.00 [redacted] $2,390.83 4.250% Yes   Employed           US Citizen       [redacted]         1 [redacted] $546.12   CA       0.00% 0.00%                                         No No 0                 NA   No   0.890 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-313 [redacted]   ATR/QM: Exempt [redacted] No No   $11,890.00 [redacted] $1,336.76 4.000% Yes               US Citizen       [redacted]         1 [redacted] $1,518.00 [redacted] FL $416.00     0.00% 0.00%                                         No No 0                 NA   No   0.840 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-314 [redacted]   ATR/QM: Exempt [redacted] No No   $15,550.00 [redacted] $2,907.90 4.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $2,709.00 [redacted] FL $1,037.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.100 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-315 [redacted]   ATR/QM: Exempt [redacted] No No   $9,365.00 [redacted] $1,434.53 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $0.00 [redacted] CA $327.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.760 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-316 [redacted]   ATR/QM: Exempt [redacted] No No   $10,495.00 [redacted] $4,609.38 7.375% Yes               US Citizen       [redacted]         1 [redacted] $863.04   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-317 [redacted]   ATR/QM: Exempt [redacted] No No   $10,886.00 [redacted] $1,842.00 4.500% Yes               US Citizen       [redacted]         1 [redacted] $1,763.04   NY       0.00% 0.00%                                         No No 0                 NA   No   0.880 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-318 [redacted]   ATR/QM: Exempt [redacted] No No   $10,095.00 [redacted] $1,947.21 4.375% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $506.04   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-319 [redacted]   ATR/QM: Exempt [redacted] No No   $9,097.00 [redacted] $1,760.30 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,533.00 [redacted] NV $89.00 20220127   0.00% 0.00%                                         No No 0                 NA   No   1.290 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-320 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9705 $4,112.92 [redacted] $2,345.75 6.375% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,101.08 [redacted] FL $580.00     12.14% 12.14%                                         No Yes 12 Personal 0.00% 12     100.00%     NA   No   0.000 Borrower - SESoleProprietor - 12 Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9705 [redacted] 3.620%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-321 [redacted]   ATR/QM: Exempt [redacted] No No   $14,125.00 [redacted] $1,950.72 4.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,146.00   PA       0.00% 0.00%                                         No No 0                 NA   No   1.620 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-322 [redacted]   ATR/QM: Exempt [redacted] No No   $8,730.00 [redacted] $1,347.56 6.375% Yes               Foreign National       [redacted]         1 [redacted] $665.40 [redacted] FL $210.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-323 [redacted]   ATR/QM: Exempt [redacted] No No   $21,195.00 [redacted] $2,992.50 4.500% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,874.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-324 [redacted]   ATR/QM: Exempt [redacted] No No   $5,980.00 [redacted] $814.01 5.125% Yes               Foreign National       [redacted]         1 [redacted] $946.92 [redacted] FL $407.00     0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-325 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 16155 $18,667.50 [redacted] $3,546.04 5.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,852.04 [redacted] CA $225.00     29.82% 29.82%                                         No Yes 12 Business 100.00%   12   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 16155 [redacted] 3.620%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-326 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,254.50 4.625% Yes               US Citizen       [redacted]         1 [redacted] $2,109.48   HI       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-327 [redacted]   ATR/QM: Exempt [redacted] No No   $5,646.00 [redacted] $1,098.51 3.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $627.00 [redacted] AZ $26.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.790 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-328 [redacted]   ATR/QM: Exempt [redacted] No No   $22,795.00 [redacted] $6,503.60 6.875% Yes               US Citizen       [redacted]         1 [redacted] $2,048.16 [redacted] FL $1,905.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-329 [redacted]   ATR/QM: Exempt [redacted] No No   $7,505.32 [redacted] $1,024.06 4.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $486.00 [redacted] SC $33.33 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.950 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-330 [redacted]   ATR/QM: Exempt [redacted] No No   $11,900.50 [redacted] $3,463.54 4.375% Yes               US Citizen       [redacted]         1 [redacted] $3,549.96 [redacted] FL $330.00     0.00% 0.00%                                         No No 0                 NA   No   1.350 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-331 [redacted]   ATR/QM: Exempt [redacted] No No   $19,122.64 [redacted] $7,947.01 3.875% Yes               Foreign National       [redacted]         2 [redacted] $4,379.64   CA       0.00% 0.00%                                         No No 0                 NA   No   1.590 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-332 [redacted]   ATR/QM: Exempt [redacted] No No   $10,299.00 [redacted] $1,366.94 4.875% Yes               Foreign National       [redacted]         1 [redacted] $636.00 [redacted] FL $550.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $7,500.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-333 [redacted]   ATR/QM: Exempt [redacted] No No   $25,150.00 [redacted] $4,311.78 5.375% Yes               US Citizen       [redacted]         1 [redacted] $5,507.04   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-334 [redacted]   ATR/QM: Exempt [redacted] No No   $6,054.00 [redacted] $1,059.61 3.750% Yes               US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $503.04   AZ       0.00% 0.00%                                         No No 0                 NA   No   1.270 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-335 [redacted]   ATR/QM: Exempt [redacted] No No   $11,981.72 [redacted] $4,197.88 5.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $5,943.00   FL       0.00% 0.00%                                         No No 0                 NA   No   0.520 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-336 [redacted]   ATR/QM: Exempt [redacted] No No   $16,867.50 [redacted] $2,736.77 5.875% Yes               US Citizen       [redacted]         1 [redacted] $845.04   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-337 [redacted]   ATR/QM: Exempt [redacted] No No   $5,362.50 [redacted] $1,023.49 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $605.04   AZ       0.00% 0.00%                                         No No 0                 NA   No   1.380 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-338 [redacted]   ATR/QM: Exempt [redacted] No No   $5,476.25 [redacted] $1,053.59 3.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $564.00   AZ       0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-339 [redacted]   ATR/QM: Exempt [redacted] No No   $4,015.00 [redacted] $1,391.55 5.250% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $753.96 [redacted] NV $1,349.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-340 [redacted]   ATR/QM: Exempt [redacted] No No   $17,370.00 [redacted] $5,681.24 4.000% Yes   Employed           Permanent Resident Alien       [redacted]         3 [redacted] $2,703.00   NY       0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-341 [redacted]   ATR/QM: Exempt [redacted] No No   $18,403.75 [redacted] $2,476.13 5.500% Yes               Foreign National       [redacted]         1 [redacted] $1,154.04 [redacted] FL $102.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower                                     [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-342 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9732.5 $10,721.56 [redacted] $1,685.09 4.375% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,133.00 [redacted] AL $597.00     49.44% 49.44%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - SESoleProprietor, Other, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified Full Doc 2 0 2 0 0 0 Borrower - 2 YRS Personal Tax Returns Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9732.5 [redacted] 3.620%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-343 [redacted]   ATR/QM: Exempt [redacted] No No   $15,795.00 [redacted] $2,171.89 4.375% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,853.00 [redacted] FL $117.00     0.00% 0.00%                                         No No 0                 NA   No   1.070 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-344 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $4,300.17 7.500% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $771.96 [redacted] HI $1,161.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-345 [redacted]   ATR/QM: Exempt [redacted] No No   $13,595.00 [redacted] $3,627.28 6.000% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $0.00 [redacted] NJ $600.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-346 [redacted]   ATR/QM: Exempt [redacted] No No   $5,935.00 [redacted] $599.73 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,598.28   TX       0.00% 0.00%                                         No No 0                 NA   No   1.330 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-347 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10865 $1,966.67 [redacted] $4,428.75 5.500% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,093.16   CA       7.66% 7.66%                                         No Yes 12 Business 0.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10865 [redacted] 3.620%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-348 [redacted]   ATR/QM: Exempt [redacted] No No   $5,260.00 [redacted] $495.53 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,411.44   TX       0.00% 0.00%                                         No No 0                 NA   No   1.290 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-349 [redacted]   ATR/QM: Exempt [redacted] No No   $2,620.00 [redacted] $1,010.35 3.500% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,145.64 [redacted] AZ $143.00 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.270 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-350 [redacted]   ATR/QM: Exempt [redacted] No No   $6,045.00 [redacted] $1,152.71 4.500% Yes   Employed           US Citizen       [redacted]         1 [redacted] $348.96 [redacted] WA $436.00     0.00% 0.00%                                         No No 0                 NA   No   0.840 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-351 [redacted]   ATR/QM: Exempt [redacted] No No   $12,181.25 [redacted] $2,149.42 4.375% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $1,358.64   CA       0.00% 0.00%                                         No No 0                 NA   No   1.310 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-352 [redacted]   ATR/QM: Exempt [redacted] No No   $12,211.00 [redacted] $1,260.60 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $756.12 [redacted] FL $741.79 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.070 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-353 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9669 $1,983.15 [redacted] $2,496.60 4.750% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $4,577.04 [redacted] FL $90.25     23.23% 23.23%                                         No Yes 12 Business 0.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9669 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-354 [redacted]   ATR/QM: Exempt [redacted] No No   $8,562.50 [redacted] $885.61 4.000% Yes               Foreign National       [redacted]         1 [redacted] $364.80 [redacted] GA $178.00     0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-355 [redacted]   ATR/QM: Exempt [redacted] No No   $4,907.50 [redacted] $903.08 3.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $675.96   AZ       0.00% 0.00%                                         No No 0   0.00%       0.00%     NA   No   1.430 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-356 [redacted]   ATR/QM: Exempt [redacted] No No   $5,135.00 [redacted] $963.28 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $594.96 [redacted] AZ $73.00 20220131   0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-357 [redacted]   ATR/QM: Exempt [redacted] No No   $15,165.00 [redacted] $3,229.87 6.500% Yes               Foreign National       [redacted]         1 [redacted] $5,319.00   TN       0.00% 0.00%                                         No No 0                 NA   No   0.850 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-358 [redacted]   ATR/QM: Exempt [redacted] No No   $10,415.00 [redacted] $974.33 3.875% Yes               Foreign National       [redacted]         1 [redacted] $377.64 [redacted] GA $187.00     0.00% 0.00%                                         No No 0                 NA   No   1.290 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-359 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 1295 $1,544.80 [redacted] $1,281.99 5.625% No   Self-Employed           Permanent Resident Alien       [redacted]       $1,903.22 1 [redacted] $867.00   PA       44.39% 44.39%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 1295 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-360 [redacted]   ATR/QM: Exempt [redacted] No No   $15,005.00 [redacted] $9,216.20 7.250% Yes               US Citizen       [redacted]         1 [redacted] $4,632.96 [redacted] CA $480.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-361 [redacted]   ATR/QM: Exempt [redacted] No No   $9,807.50 [redacted] $898.15 3.875% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $378.36 [redacted] GA $187.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.360 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-362 [redacted]   ATR/QM: Exempt [redacted] No No   $10,516.00 [redacted] $1,778.75 5.875% Yes               Foreign National       [redacted]         1 [redacted] $1,036.20 [redacted] FL $404.42     0.00% 0.00%                                         No No 0                 NA   No   0.800 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-363 [redacted]   ATR/QM: Exempt [redacted] No No   $7,790.00 [redacted] $1,518.79 7.750% Yes               US Citizen       [redacted]         1 [redacted] $1,239.96   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-364 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7245 $1,679.67 [redacted] $1,426.93 6.000% No   Employed           US Citizen       [redacted]         1 [redacted] $791.04   OR       52.79% 52.79%                                         No No 0   0.00%       0.00%     NA   Yes 36 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7245 [redacted] 3.510%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-365 [redacted]   ATR/QM: Exempt [redacted] No No   $8,255.00 [redacted] $963.28 3.750% Yes               Foreign National       [redacted]         1 [redacted] $827.04 [redacted] AL $29.17     0.00% 0.00%                                         No No 0                 NA   No   1.250 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-366 [redacted]   ATR/QM: Exempt [redacted] No No   $7,507.97 [redacted] $2,055.45 7.375% Yes               Foreign National       [redacted]         1 [redacted] $1,383.00   IN $42.67     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $2,750.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-367 [redacted]   ATR/QM: Exempt [redacted] No No   $7,795.00 [redacted] $1,443.75 4.125% Yes               US Citizen       [redacted]         1 [redacted] $3,954.96 [redacted] FL $68.33     0.00% 0.00%                                         No No 0                 NA   No   1.460 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-368 [redacted]   ATR/QM: Exempt [redacted] No No   $9,854.00 [redacted] $1,575.52 3.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,747.08 [redacted] FL $503.00     0.00% 0.00%                                         No No 0                 NA   No   0.960 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-369 [redacted]   ATR/QM: Exempt [redacted] No No   $3,995.00 [redacted] $926.23 3.750% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $996.96 [redacted] FL $250.00 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.740 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-370 [redacted]   ATR/QM: Exempt [redacted] No No   $7,995.00 [redacted] $926.23 3.750% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $990.00 [redacted] FL $260.00 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.460 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-371 [redacted]   ATR/QM: Exempt [redacted] No No   $9,884.00 [redacted] $1,235.75 4.250% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $785.04 [redacted] FL $450.00     0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-372 [redacted]   ATR/QM: Exempt [redacted] No No   $11,195.00 [redacted] $1,970.83 5.375% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,644.96   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-373 [redacted]   ATR/QM: Exempt [redacted] No No   $7,345.00 [redacted] $1,091.94 5.375% Yes Yes Employed           Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,215.00 [redacted] FL $164.00     0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-374 [redacted]   ATR/QM: Exempt [redacted] No No   $4,850.50 [redacted] $572.87 3.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,317.36   AL       0.00% 0.00%                                         No No 0                 NA   No   1.670 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-375 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8045 $9,427.50 [redacted] $952.57 4.875% No   Employed           US Citizen       [redacted]       $0.00 1 [redacted] $947.88   CA       48.29% 48.29%                                         No No 0   0.00%       100.00%     NA   Yes 36 0.000 Borrower - Wage - Written VOE Verified Written Verification of Employment 0 0 0 0 0 0 Borrower       0       0     0     0   [redacted] [redacted] [redacted] [redacted] [redacted] Appendix Q Documentation 8045 [redacted] 3.620%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-376 [redacted]   ATR/QM: Exempt [redacted] No No   $9,570.00 [redacted] $940.47 3.875% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $364.80 [redacted] GA $186.17     0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower                                     [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-377 [redacted]   ATR/QM: Exempt [redacted] No No   $4,828.00 [redacted] $565.93 3.750% Yes               US Citizen       [redacted]         2 [redacted] $1,194.96   AL       0.00% 0.00%                                         No No 0                 NA   No   2.170 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-378 [redacted]   ATR/QM: Exempt [redacted] No No   $5,245.00 [redacted] $833.61 3.750% Yes               US Citizen       [redacted]         2 [redacted] $1,134.36   AL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.770 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-379 [redacted]   ATR/QM: Exempt [redacted] No No   $12,720.00 [redacted] $2,172.69 5.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $2,990.04 [redacted] FL $435.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-380 [redacted]   ATR/QM: Exempt [redacted] No No   $5,151.25 [redacted] $2,257.69 3.750% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,074.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-381 [redacted]   ATR/QM: Exempt [redacted] No No   $5,805.00 [redacted] $636.10 5.625% Yes               Foreign National       [redacted]         1 [redacted] $528.00 [redacted] FL $337.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.310 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-382 [redacted]   ATR/QM: Exempt [redacted] No No   $25,251.25 [redacted] $2,865.30 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,560.00   MA       0.00% 0.00%                                         No No 0                 NA   No   1.240 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-383 [redacted]   ATR/QM: Exempt [redacted] No No   $9,009.00 [redacted] $1,343.45 4.125% Yes   Employed           US Citizen       [redacted]         2 [redacted] $2,270.04   KS       0.00% 0.00%                                         No No 0                 NA   No   1.550 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-384 [redacted]   ATR/QM: Exempt [redacted] No No   $10,180.75 [redacted] $1,754.74 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,172.28   CA       0.00% 0.00%                                         No No 0                 NA   No   0.970 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-385 [redacted]   ATR/QM: Exempt [redacted] No No   $7,006.00 [redacted] $1,206.78 6.875% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $974.04   DE       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-386 [redacted]   ATR/QM: Exempt [redacted] No No   $3,783.00 [redacted] $790.13 7.375% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $980.04   IL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-387 [redacted]   ATR/QM: Exempt [redacted] No No   $8,283.00 [redacted] $1,621.71 6.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $917.04 [redacted] FL $467.17     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-388 [redacted]   ATR/QM: Exempt [redacted] No No   $10,835.00 [redacted] $2,292.23 5.000% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $1,019.04 [redacted] CA $235.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-389 [redacted]   ATR/QM: Exempt [redacted] No No   $28,095.00 [redacted] $3,412.74 3.500% Yes   Employed           US Citizen       [redacted]         1 [redacted] $675.00   HI       0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-390 [redacted]   ATR/QM: Exempt [redacted] No No   $4,825.00 [redacted] $794.50 5.000% Yes               Foreign National       [redacted]         1 [redacted] $1,686.12   AZ       0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-391 [redacted]   ATR/QM: Exempt [redacted] No No   $10,830.00 [redacted] $2,390.75 4.625% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $9,864.12   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.730 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-392 [redacted]   ATR/QM: Exempt [redacted] No No   $1,608.75 [redacted] $1,347.56 6.375% Yes               US Citizen       [redacted]         1 [redacted] $1,485.00 [redacted] TX $42.50     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-393 [redacted]   ATR/QM: Exempt [redacted] No No   $8,320.00 [redacted] $2,606.69 4.000% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $759.12   CA       0.00% 0.00%                                         No No 0                 NA   No   0.860 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-394 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,736.68 3.750% Yes Yes Retired Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $792.00   CA       0.00% 0.00%                                         No No 0                 NA   No   1.530 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-395 [redacted]   ATR/QM: Exempt [redacted] No No   $4,735.50 [redacted] $1,143.62 4.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,394.04 [redacted] TX $37.50     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-396 [redacted]   ATR/QM: Exempt [redacted] No No   $4,590.00 [redacted] $945.74 4.025% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $1,247.64 [redacted] FL $23.33     0.00% 0.00%                                         No No 0                 NA   No   1.490 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-397 [redacted]   ATR/QM: Exempt [redacted] No No   $9,124.00 [redacted] $1,272.79 4.500% No   Self-Employed           Foreign National       [redacted]         1 [redacted] $789.96 [redacted] FL $290.00     0.00% 0.00%                                         No No 0                 NA   No   1.310 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-398 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6280 $7,648.78 [redacted] $1,427.47 4.000% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,125.48   CA       21.05% 21.05%                                         No Yes 12 Personal 100.00% 12     100.00%     Yes 120 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 6280 [redacted] 3.620%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-399 [redacted]   ATR/QM: Exempt [redacted] No No   $9,890.00 [redacted] $964.01 4.625% Yes               US Citizen       [redacted]         1 [redacted] $696.48   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-400 [redacted]   ATR/QM: Exempt [redacted] No No   $9,964.00 [redacted] $2,323.36 5.000% Yes               Foreign National       [redacted]         1 [redacted] $1,572.00 [redacted] FL $79.00 20220701   0.00% 0.00%                                         No No 0                 NA   No   0.950 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-401 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8085 $12,854.13 [redacted] $3,440.39 4.500% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $711.96 [redacted] CA $392.00     17.48% 17.48%                                         No Yes 24 Personal 100.00% 24     100.00%     NA   No   0.000 Borrower - SESoleProprietor - 24 Months Personal Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8085 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-402 [redacted]   ATR/QM: Exempt [redacted] No No   $6,515.00 [redacted] $760.03 4.500% Yes   Employed           Foreign National       [redacted]         1 [redacted] $1,758.96 [redacted] FL $435.67 20220501   0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                   0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-403 [redacted]   ATR/QM: Exempt [redacted] No No   $10,270.00 [redacted] $4,140.59 7.625% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $6,624.36   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-404 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 23474.5 $25,149.76 [redacted] $2,934.76 3.750% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]     $0.00 1 [redacted] $963.12   UT       54.26% 54.26%                                         No Yes 24 Business 0.00%   24   0.00%     NA   No   0.000 Borrower - 24 Months Business Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 23474.5 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-405 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 18485 $21,899.13 [redacted] $4,880.15 5.500% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,684.20 [redacted] NV $29.00 20220119   38.98% 38.98%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified, Lease Agreements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 18485 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-406 [redacted]   ATR/QM: Exempt [redacted] No No   $16,930.00 [redacted] $3,094.39 6.375% Yes               US Citizen       [redacted]         1 [redacted] $5,959.20   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-407 [redacted]   ATR/QM: Exempt [redacted] No No   $11,410.00 [redacted] $1,651.13 4.875% Yes   Employed           Foreign National       [redacted]         1 [redacted] $2,865.72 [redacted] FL $218.33     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-408 [redacted]   ATR/QM: Exempt [redacted] No No   $5,879.50 [redacted] $1,592.62 5.125% Yes               Foreign National       [redacted]         1 [redacted] $904.08 [redacted] FL $553.00     0.00% 0.00%                                         No No 0                 NA   No   0.830 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-409 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,133.68 4.625% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $828.96 [redacted] FL $290.00 20220201   0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-410 [redacted]   ATR/QM: Exempt [redacted] No No   $6,893.00 [redacted] $1,428.33 4.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $644.52 [redacted] TX       0.00% 0.00%                                         No No 0                 NA   No   1.150 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-411 [redacted]   ATR/QM: Exempt [redacted] No No   $7,885.00 [redacted] $1,690.82 4.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $759.48 [redacted] TX       0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-412 [redacted]   ATR/QM: Exempt [redacted] No No   $7,943.00 [redacted] $1,706.17 4.875% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $660.48   TX       0.00% 0.00%                                         No No 0                 NA   No   1.080 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-413 [redacted]   ATR/QM: Exempt [redacted] No No   $7,493.00 [redacted] $1,587.10 4.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $647.64   TX $0.00     0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-414 [redacted]   ATR/QM: Exempt [redacted] No No   $3,668.00 [redacted] $1,522.16 3.875% Yes               Foreign National       [redacted]         1 [redacted] $863.04 [redacted] FL $649.98     0.00% 0.00%                                         No No 0                 NA   No   0.830 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-415 [redacted]   ATR/QM: Exempt [redacted] No No   $7,800.00 [redacted] $775.89 3.875% Yes               US Citizen       [redacted]         1 [redacted] $944.04 [redacted] FL $275.00     0.00% 0.00%                                         No No 0                 NA   No   1.320 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-416 [redacted]   ATR/QM: Exempt [redacted] No No   $6,489.00 [redacted] $1,156.40 3.750% Yes               US Citizen       [redacted]         1 [redacted] $809.04 [redacted] TX $28.33     0.00% 0.00%                                         No No 0                 NA   No   1.270 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-417 [redacted]   ATR/QM: Exempt [redacted] No No   $8,030.00 [redacted] $1,406.01 3.875% Yes               US Citizen       [redacted]         1 [redacted] $177.84 [redacted] GA $190.00     0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-418 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11270 $12,767.52 [redacted] $1,635.70 4.250% No   Employed           US Citizen       [redacted]         1 [redacted] $924.96 [redacted] NV $32.00     48.14% 48.14%                                         No No 0   0.00%       0.00%     NA   Yes 36 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 11270 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-419 [redacted]   ATR/QM: Exempt [redacted] No No   $12,840.00 [redacted] $2,622.10 4.500% Yes               US Citizen       [redacted]         3 [redacted] $416.04   CA       0.00% 0.00%                                         No No 0                 NA   No   1.260 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-420 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No   $4,798.08 [redacted] $583.94 6.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,000.56 [redacted] GA $225.00     39.65% 39.65%                                         No No 0   0.00%       0.00%     NA   Yes 36 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 3635 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-421 [redacted]   ATR/QM: Exempt [redacted] No No   $4,940.00 [redacted] $555.38 5.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,353.24 [redacted] FL $402.00     0.00% 0.00%                                         No No 0                 NA   No   1.250 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-422 [redacted]   ATR/QM: Exempt [redacted] No No   $11,282.00 [redacted] $1,267.08 4.750% Yes               Foreign National       [redacted]         1 [redacted] $1,469.04 [redacted] GA $25.00     0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-423 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 19290 $11,049.69 [redacted] $2,083.99 4.125% No   Employed           US Citizen       [redacted]         1 [redacted] $1,633.92   CA       54.46% 54.46%                                         No No 0   0.00%       0.00%     NA   Yes 156 0.000 Borrower - Wage, Retirement - 1 Month Paystubs Verified, Written VOE Verified, Award Letter Verified Written Verification of Employment 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 19290 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-424 [redacted]   ATR/QM: Exempt [redacted] No No   $10,066.00 [redacted] $1,511.95 4.875% Yes               Foreign National       [redacted]         1 [redacted] $395.04 [redacted] FL $1,582.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-425 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7517 $8,960.48 [redacted] $1,613.14 8.625% No No Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,307.04   AZ       36.83% 36.83%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified Full Doc 2 2 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7517 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-426 [redacted]   ATR/QM: Exempt [redacted] No No   $6,332.00 [redacted] $1,763.49 4.375% Yes               US Citizen       [redacted]         1 [redacted] $4,917.00 [redacted] FL $50.00     0.00% 0.00%                                         No No 0                 NA   No   1.360 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0   [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-427 [redacted]   ATR/QM: Exempt [redacted] No No   $8,941.00 [redacted] $1,714.26 7.375% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $1,607.04   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-428 [redacted]   ATR/QM: Exempt [redacted] No No   $8,800.00 [redacted] $1,250.41 3.750% Yes               US Citizen       [redacted]         1 [redacted] $321.12 [redacted] CA $260.00     0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-429 [redacted]   ATR/QM: Exempt [redacted] No No   $10,295.00 [redacted] $6,077.94 7.375% Yes Yes Employed Employed Employed   4   US Citizen US Citizen US Citizen   [redacted] [redacted] [redacted]     1 [redacted] $1,989.12 [redacted] CA $505.00     0.00% 0.00% 765 759 736                   759   1 - Not Stated Not Verified           No No 0                 NA   No   0.000 Borrower || Co Borrower || Co Borrower 2 Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-430 [redacted]   ATR/QM: Exempt [redacted] No No   $10,734.80 [redacted] $751.55 5.000% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,251.00 [redacted] TX $82.92     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-431 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 15945 $18,226.94 [redacted] $3,796.98 7.750% No No Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,167.00   CA       52.71% 52.71%                                         No No 0   0.00%       0.00%     NA   Yes 25 0.000 Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified Full Doc 1 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 15945 [redacted] 3.610%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-432 [redacted]   ATR/QM: Exempt [redacted] No No   $12,476.00 [redacted] $2,182.66 3.750% Yes Yes             Permanent Resident Alien US Citizen     [redacted] [redacted]       1 [redacted] $1,880.04 [redacted] FL $42.58 20230208   0.00% 0.00%                                         No No 0                 NA   No   1.320 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-433 [redacted]   ATR/QM: Exempt [redacted] No No   $16,717.25 [redacted] $1,489.84 3.750% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $3,336.96 [redacted] FL $160.00     0.00% 0.00%                                         No No 0                 NA   No   1.370 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-434 [redacted]   ATR/QM: Exempt [redacted] No No   $6,869.00 [redacted] $1,341.12 5.500% Yes               US Citizen       [redacted]         1 [redacted] $906.00   SC       0.00% 0.00%                                         No No 0                 NA   No   0.930 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-435 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $2,194.35 6.000% Yes               Foreign National       [redacted]         1 [redacted] $366.00 [redacted] AZ $640.00     0.00% 0.00%                                         No No 0                 NA   No   0.740 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-436 [redacted]   ATR/QM: Exempt [redacted] No No   $4,495.00 [redacted] $1,068.65 4.125% Yes               US Citizen       [redacted]         1 [redacted] $636.00 [redacted] IN $166.67     0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-437 [redacted]   ATR/QM: Exempt [redacted] No No   $9,103.00 [redacted] $1,209.26 3.990% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       4 [redacted] $3,078.96   MN       0.00% 0.00%                                         No No 0                 NA   No   1.860 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-438 [redacted]   ATR/QM: Exempt [redacted] No No   $9,124.00 [redacted] $1,272.79 4.500% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $791.04 [redacted] FL $290.00     0.00% 0.00%                                         No No 0                 NA   No   1.380 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-439 [redacted]   ATR/QM: Exempt [redacted] No No   $4,820.00 [redacted] $1,914.06 5.625% Yes   Employed           Foreign National       [redacted]         1 [redacted] $2,778.96   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-440 [redacted]   ATR/QM: Exempt [redacted] No No   $2,220.00 [redacted] $2,727.38 3.875% Yes   Employed           US Citizen       [redacted]         1 [redacted] $3,195.00   CA       0.00% 0.00%                                         No No 0                 NA   No   1.250 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-441 [redacted]   ATR/QM: Exempt [redacted] No No   $7,745.00 [redacted] $1,157.79 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,226.04   NC       0.00% 0.00%                                         No No 0                 NA   No   1.730 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-442 [redacted]   ATR/QM: Exempt [redacted] No No   $8,086.00 [redacted] $939.20 3.750% Yes               Foreign National       [redacted]         1 [redacted] $746.04 [redacted] AL $25.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.470 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-443 [redacted]   ATR/QM: Exempt [redacted] No No   $3,286.75 [redacted] $866.80 4.250% Yes               US Citizen       [redacted]         1 [redacted] $896.64 [redacted] GA $37.50     0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-444 [redacted]   ATR/QM: Exempt [redacted] No No   $10,495.00 [redacted] $2,864.49 4.000% Yes               US Citizen       [redacted]         1 [redacted] $2,510.04 [redacted] AZ $41.33     0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0                 NA   No   1.040 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-445 [redacted]   ATR/QM: Exempt [redacted] No No   $9,350.00 [redacted] $1,722.37 4.625% Yes Yes             US Citizen US Citizen US Citizen   [redacted] [redacted] [redacted]     1 [redacted] $435.96   CA       0.00% 0.00% 0 0 0                   0   1 - Not Stated Not Verified           No No 0                 NA   No   1.260 Borrower || Co Borrower || Co Borrower 2 Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-446 [redacted]   ATR/QM: Exempt [redacted] No No   $17,920.00 [redacted] $3,415.69 6.375% Yes               US Citizen       [redacted]         1 [redacted] $1,015.20 [redacted] CA $72.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-447 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,879.10 5.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $4,452.96   CT       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted] [redacted]     0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-448 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4595 $4,918.13 [redacted] $650.69 5.875% No   Employed           US Citizen       [redacted]         1 [redacted] $1,643.04   FL       22.30% 22.30%                                         No No 0   0.00%       0.00%     NA   Yes 25 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4595 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-449 [redacted]   ATR/QM: Exempt [redacted] No No   $6,450.00 [redacted] $740.98 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,127.64 [redacted] FL $287.00     0.00% 0.00%                                         No No 0                 NA   No   1.700 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-450 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 13800 $14,525.63 [redacted] $1,960.87 4.500% No   Employed           US Citizen       [redacted]         1 [redacted] $600.96   CA       41.64% 41.64%                                         No No 0   0.00%       0.00%     NA   Yes 24 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 13800 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-451 [redacted]   ATR/QM: Exempt [redacted] No No   $21,175.00 [redacted] $7,954.34 6.375% Yes               Foreign National       [redacted]         1 [redacted] $7,032.96   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-452 [redacted]   ATR/QM: Exempt [redacted] No No   $6,040.00 [redacted] $654.28 4.125% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $555.00   PA       0.00% 0.00%                                         No No 0                 NA   No   1.510 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-453 [redacted]   ATR/QM: Exempt [redacted] No No   $21,323.00 [redacted] $1,871.61 6.375% Yes               US Citizen       [redacted]         1 [redacted] $1,565.28   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-454 [redacted]   ATR/QM: Exempt [redacted] No No   $19,311.75 [redacted] $2,636.31 4.250% Yes               Foreign National       [redacted]         1 [redacted] $558.00 [redacted] UT $65.00     0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-455 [redacted]   ATR/QM: Exempt [redacted] No No   $9,951.25 [redacted] $1,380.81 3.500% Yes   Employed           US Citizen       [redacted]         1 [redacted] $325.20 [redacted] AZ $95.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-456 [redacted]   ATR/QM: Exempt [redacted] No No   $5,038.00 [redacted] $1,093.88 3.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $550.32   CA       0.00% 0.00%                                         No No 0                 NA   No   1.170 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-457 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7890 $8,406.75 [redacted] $1,183.08 5.875% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $425.04 [redacted] NV $230.00     42.58% 42.58%                                         No Yes 13 Personal 100.00% 13     100.00%     NA   No   0.000 Borrower - SECorporation - 12 Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7890 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-458 [redacted]   ATR/QM: Exempt [redacted] No No   $7,660.00 [redacted] $1,182.97 5.625% Yes               Foreign National       [redacted]         1 [redacted] $1,003.56   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-459 [redacted]   ATR/QM: Exempt [redacted] No No   $19,210.00 [redacted] $2,874.04 4.625% Yes   Employed           Foreign National       [redacted]         1 [redacted] $621.00 [redacted] FL $930.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.050 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-460 [redacted]   ATR/QM: Exempt [redacted] No No   $71,800.00 [redacted] $13,753.25 5.875% Yes               Foreign National       [redacted]         1 [redacted] $23,086.68   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-461 [redacted]   ATR/QM: Exempt [redacted] No No   $4,050.00 [redacted] $654.40 6.625% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,544.04   PA       0.00% 0.00%                                         No No 0                 NA   No   1.280 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-462 [redacted]   ATR/QM: Exempt [redacted] No No   $7,162.25 [redacted] $728.48 3.750% Yes               Foreign National       [redacted]         1 [redacted] $1,248.00 [redacted] GA $25.00 20220301   0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.520 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-463 [redacted]   ATR/QM: Exempt [redacted] No No   $16,015.00 [redacted] $1,847.83 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,020.00 [redacted] FL $379.00 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.340 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-464 [redacted]   ATR/QM: Exempt [redacted] No No   $10,800.00 [redacted] $1,323.02 4.875% Yes               Foreign National       [redacted]         1 [redacted] $2,481.96 [redacted] FL $375.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-465 [redacted]   ATR/QM: Exempt [redacted] No No   $11,125.00 [redacted] $923.95 5.375% Yes               US Citizen       [redacted]         1 [redacted] $1,224.00 [redacted] FL $275.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-466 [redacted]   ATR/QM: Exempt [redacted] No No   $8,761.00 [redacted] $1,121.67 3.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $744.00   AZ       0.00% 0.00%                                         No No 0                 NA   No   0.990 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-467 [redacted]   ATR/QM: Exempt [redacted] No No   $9,475.00 [redacted] $2,456.71 6.250% Yes               Foreign National       [redacted]         1 [redacted] $1,066.92 [redacted] FL $675.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-468 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9160 $5,049.48 [redacted] $1,831.29 6.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,431.96 [redacted] FL $750.00     49.76% 49.76%                             3 - Verified<2Mos 3 - Verified<2Mos         No Yes 24 Business 0.00%   24   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9160 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-469 [redacted]   ATR/QM: Exempt [redacted] No No   $10,344.25 [redacted] $1,553.30 4.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $528.96 [redacted] GA $404.00     0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-470 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11295 $4,598.13 [redacted] $2,210.48 3.375% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $7,437.00   CA       22.44% 22.44%                                         No No 0   0.00%     24 100.00%   Third-Party Prepared (Unaudited) Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 11295 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-471 [redacted]   ATR/QM: Exempt [redacted] No No   $11,620.00 [redacted] $3,751.24 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,353.96   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.210 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-472 [redacted]   ATR/QM: Exempt [redacted] No No   $13,975.00 [redacted] $1,986.05 4.000% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,554.96   OR       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.060 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-473 [redacted]   ATR/QM: Exempt [redacted] No No   $18,475.00 [redacted] $3,326.67 6.125% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $3,240.00 [redacted] FL $115.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-474 [redacted]   ATR/QM: Exempt [redacted] No No   $7,300.00 [redacted] $2,621.25 4.375% Yes               US Citizen       [redacted]         1 [redacted] $1,281.96 [redacted] FL $952.56 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-475 [redacted]   ATR/QM: Exempt [redacted] No No   $15,483.00 [redacted] $2,591.25 5.000% Yes               US Citizen       [redacted]         1 [redacted] $2,650.44 [redacted] TX $852.18 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-476 [redacted]   ATR/QM: Exempt [redacted] No No   $22,965.00 [redacted] $2,490.00 4.500% Yes               US Citizen       [redacted]         1 [redacted] $2,830.92 [redacted] TX $851.38 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-477 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 2690 $7,093.76 [redacted] $4,817.41 4.750% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $5,712.00   CA       54.98% 54.98%                                         No Yes 24 Personal 100.00% 24     100.00%     NA   No   0.000 Borrower - Commission - 24 Months Personal Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 2690 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-478 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5845 $7,091.28 [redacted] $1,810.09 8.875% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]     $8,538.06 1 [redacted] $1,950.96   NV       32.08% 32.08%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - 2 YRS Personal Tax Returns Verified, Missing YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Award Letter Verified || Co Borrower Full Doc 1 0 2 0 0 0 Borrower - 2 YRS Personal Tax Returns Verified || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5845 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-479 [redacted]   ATR/QM: Exempt [redacted] No No   $4,127.00 [redacted] $1,256.56 4.000% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,794.00   PA       0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-480 [redacted]   ATR/QM: Exempt [redacted] No No   $14,835.00 [redacted] $1,264.31 3.750% Yes               Foreign National       [redacted]         1 [redacted] $1,161.84 [redacted] FL $514.50     0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-481 [redacted]   ATR/QM: Exempt [redacted] No No   $9,355.00 [redacted] $1,625.54 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,014.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-482 [redacted]   ATR/QM: Exempt [redacted] No No   $12,519.00 [redacted] $1,234.18 5.375% Yes               US Citizen       [redacted]         1 [redacted] $1,271.04 [redacted] FL $425.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-483 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 17050 $21,142.56 [redacted] $3,497.58 5.500% No   Self-Employed           US Citizen       [redacted]       $21,215.73 1 [redacted] $1,350.00 [redacted] CA $120.00     21.76% 21.76%                                         No Yes 24 Business 100.00%   24   50.00%     NA   No   0.000 Borrower - SECorporation - 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 17050 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-484 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5795 $1,885.63 [redacted] $1,989.43 3.375% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,160.00   CA       43.45% 43.45%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No Yes 12 Personal 0.00% 12     100.00%     Yes 12 No   0.000 Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified || Co Borrower 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5795 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-485 [redacted]   ATR/QM: Exempt [redacted] No No   $18,932.50 [redacted] $3,851.62 5.250% Yes               US Citizen       [redacted]         1 [redacted] $954.36 [redacted] FL $1,077.00     0.00% 0.00%                                         No No 0                 NA   No   0.600 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-486 [redacted]   ATR/QM: Exempt [redacted] No No   $28,300.00 [redacted] $5,012.86 4.000% Yes               US Citizen       [redacted]         1 [redacted] $2,963.40   NY       0.00% 0.00%                                         No No 0                 NA   No   0.850 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-487 [redacted]   ATR/QM: Exempt [redacted] No No   $4,839.00 [redacted] $1,126.46 7.125% Yes               Foreign National       [redacted]         1 [redacted] $7,338.96 [redacted] FL $510.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower                                     [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-488 [redacted]   ATR/QM: Exempt [redacted] No No   $7,613.25 [redacted] $1,477.07 5.875% Yes               Foreign National       [redacted]         1 [redacted] $1,481.76 [redacted] NC $252.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-489 [redacted]   ATR/QM: Exempt [redacted] No No   $7,530.00 [redacted] $1,101.95 4.250% Yes   Employed           Permanent Resident Alien       [redacted]         1 [redacted] $507.96   TX       0.00% 0.00%                                         No No 0                 NA   No   1.600 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-490 [redacted]   ATR/QM: Exempt [redacted] No No   $11,366.50 [redacted] $3,047.76 3.750% Yes               US Citizen       [redacted]         4 [redacted] $1,924.56   CA       0.00% 0.00%                                         No No 0                 NA   No   1.070 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-491 [redacted]   ATR/QM: Exempt [redacted] No No   $9,061.25 [redacted] $1,084.73 4.250% Yes Yes Employed           Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $786.00 [redacted] FL $290.00     0.00% 0.00%                                         No No 0                 NA   No   1.490 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower                                     [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-492 [redacted]   ATR/QM: Exempt [redacted] No No   $8,988.00 [redacted] $1,096.12 3.875% Yes               Foreign National       [redacted]         1 [redacted] $663.00 [redacted] FL $160.00     0.00% 0.00%                                         No No 0                 NA   No   1.330 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-493 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 0 $606.29 [redacted] $1,633.46 6.490% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $827.04   CA       43.39% 43.39%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No Yes 14 Business 76.54%   14   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified, Lease Agreements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 0 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-494 [redacted]   ATR/QM: Exempt [redacted] No No   $11,120.00 [redacted] $2,874.04 4.000% Yes               US Citizen       [redacted]         1 [redacted] $933.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.050 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-495 [redacted]   ATR/QM: Exempt [redacted] No No   $10,615.00 [redacted] $1,896.56 6.375% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $2,187.96 [redacted] TX $92.92 20220301   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-496 [redacted]   ATR/QM: Exempt [redacted] No No   $5,295.00 [redacted] $754.21 5.875% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,134.96   TX       0.00% 0.00%                                         No No 0                 NA   No   1.270 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-497 [redacted]   ATR/QM: Exempt [redacted] No No   $7,820.00 [redacted] $3,031.73 7.125% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $768.96 [redacted] UT $40.00 20220301   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-498 [redacted]   ATR/QM: Exempt [redacted] No No   $6,818.75 [redacted] $3,010.10 4.000% Yes   Employed           US Citizen       [redacted]         3 [redacted] $945.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.320 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-499 [redacted]   ATR/QM: Exempt [redacted] No No   $14,184.00 [redacted] $2,150.17 4.875% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,887.00 [redacted] FL $368.00     0.00% 0.00%                                         No No 0                 NA   No   0.780 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0   [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-500 [redacted]   ATR/QM: Exempt [redacted] No No   $15,550.00 [redacted] $2,697.98 6.000% Yes Yes             US Citizen US Citizen US Citizen US Citizen [redacted] [redacted] [redacted] [redacted]   1 [redacted] $3,610.08 [redacted] TX $270.00     0.00% 0.00% 791 795 797 788 787 811             795 788 1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower || Co Borrower || Co Borrower 2 || Co Borrower 3 Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2 || Co Borrower 3       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-501 [redacted]   ATR/QM: Exempt [redacted] No No   $14,845.00 [redacted] $1,149.77 5.500% Yes               US Citizen       [redacted]         1 [redacted] $1,489.56   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   [redacted] 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-502 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8295 $1,801.56 [redacted] $1,547.34 3.375% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]     $5,746.72 1 [redacted] $1,695.96   CA       43.22% 43.22%                                         No Yes 14 Business 100.00%   14   100.00%     NA   No   0.000 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified || Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8295 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-503 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 13500 $14,557.03 [redacted] $3,675.29 5.125% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,287.96   CA       43.43% 43.43%                                         No No 0   0.00%     13 100.00%   Borrower Prepared NA   No   0.000 Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1040 Schedule E Verified Full Doc 1 0 1 0 0 0 Borrower - 1 YR Personal Tax Returns Verified, 1040 Schedule E Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 13500 [redacted] 3.760%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-504 [redacted]   ATR/QM: Exempt [redacted] No No   $5,677.75 [redacted] $596.03 3.750% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $887.28 [redacted] AL $25.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   2.070 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-505 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4652 $2,208.06 [redacted] $830.85 8.125% No   Not Employed           US Citizen       [redacted]         1 [redacted] $1,257.12   AL       54.72% 54.72%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified Full Doc 1 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4652 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-506 [redacted]   ATR/QM: Exempt [redacted] No No   $8,050.00 [redacted] $1,519.86 4.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $645.00 [redacted] IN $125.00     0.00% 0.00%                                         No No 0                 NA   No   1.330 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-507 [redacted]   ATR/QM: Exempt [redacted] No No   $4,490.00 [redacted] $1,341.51 5.375% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,889.28 [redacted] TX $72.92     0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-508 [redacted]   ATR/QM: Exempt [redacted] No No   $7,300.00 [redacted] $1,310.62 4.375% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,101.96 [redacted] FL $245.00     0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-509 [redacted]   ATR/QM: Exempt [redacted] No No   $17,730.00 [redacted] $1,957.92 4.625% Yes               US Citizen       [redacted]         2 [redacted] $744.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-510 [redacted]   ATR/QM: Exempt [redacted] No No   $20,395.00 [redacted] $4,858.62 4.625% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $4,173.00   TN       0.00% 0.00%                                         No No 0                 NA   No   0.600 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-511 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 3123.5 $4,299.20 [redacted] $1,541.81 3.000% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $1,418.04   CA       36.10% 36.10%                                         Yes No 2 Personal 0.00% 2     100.00%     NA   No   0.000 Borrower - Commission, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Personal Bank Statements Verified Asset Depletion 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 3123.5 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-512 [redacted]   ATR/QM: Exempt [redacted] No No   $20,435.00 [redacted] $3,881.67 5.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $2,540.04 [redacted] FL $169.00     0.00% 0.00%                                         No No 0                 NA   No   0.800 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-513 [redacted]   ATR/QM: Exempt [redacted] No No   $8,564.50 [redacted] $1,568.75 4.375% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,655.76 [redacted] CA $535.00 20220301   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-514 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $2,266.40 6.875% Yes               Foreign National       [redacted]         1 [redacted] $0.00 [redacted] CA $401.00 20220217   0.00% 0.00%                                         No No 0                 NA   No   0.660 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-515 [redacted]   ATR/QM: Exempt [redacted] No No   $2,550.00 [redacted] $1,071.72 3.625% Yes               Foreign National       [redacted]         1 [redacted] $899.04 [redacted] FL $692.00 20220218   0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.050 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-516 [redacted]   ATR/QM: Exempt [redacted] No No   $1,995.00 [redacted] $1,267.57 5.125% Yes   Employed           Foreign National       [redacted]         1 [redacted] $899.04 [redacted] FL $703.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.430 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-517 [redacted]   ATR/QM: Exempt [redacted] No No   $5,541.40 [redacted] $820.46 5.875% Yes               US Citizen       [redacted]         1 [redacted] $1,242.96   TX       0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-518 [redacted]   ATR/QM: Exempt [redacted] No No   $5,597.00 [redacted] $1,744.91 4.250% Yes               US Citizen       [redacted]         3 [redacted] $750.00   CA       0.00% 0.00%                                         No No 0                 NA   No   1.260 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-519 [redacted]   ATR/QM: Exempt [redacted] No No   $8,010.00 [redacted] $1,403.60 4.625% Yes               US Citizen       [redacted]         2 [redacted] $5,612.04   FL       0.00% 0.00%                                         No No 0                 NA   No   1.170 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-520 [redacted]   ATR/QM: Exempt [redacted] No No   $5,590.50 [redacted] $1,249.02 3.750% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       2 [redacted] $1,840.08   GA       0.00% 0.00%                                         No No 0                 NA   No   1.980 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-521 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12295 $1,925.21 [redacted] $2,547.14 3.750% No No Self-Employed Not Employed         Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]     $0.00 1 [redacted] $2,307.96   WA       31.64% 31.64%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No Yes 24 Business 100.00%   24   100.00%         No   0.000 Borrower - null CPA Letter Verified, 24 Months Business Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 12295 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-522 [redacted]   ATR/QM: Exempt [redacted] No No   $11,995.00 [redacted] $5,320.20 4.500% Yes               US Citizen       [redacted]         4 [redacted] $1,933.20   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.940 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-523 [redacted]   ATR/QM: Exempt [redacted] No No   $9,992.00 [redacted] $1,427.37 5.375% Yes Yes             Foreign National       [redacted] [redacted]       1 [redacted] $900.00 [redacted] TX $94.00     0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-524 [redacted]   ATR/QM: Exempt [redacted] No No   $3,513.00 [redacted] $631.33 4.500% Yes               US Citizen       [redacted]         1 [redacted] $771.96 [redacted] SC $120.00     0.00% 0.00%                                         No No 0                 NA   No   1.470 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-525 [redacted]   ATR/QM: Exempt [redacted] No No   $21,576.00 [redacted] $3,308.85 5.125% Yes   Not Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $2,064.12 [redacted] TX $150.83     0.00% 0.00%                                         No No 0                 NA   No   1.080 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-526 [redacted]   ATR/QM: Exempt [redacted] No No   $7,280.00 [redacted] $1,219.65 5.125% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $4,991.04 [redacted] FL $132.00     0.00% 0.00%                                         No No 0                 NA   No   0.840 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-527 [redacted]   ATR/QM: Exempt [redacted] No No   $8,070.00 [redacted] $1,722.79 3.750% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $946.68 [redacted] CA $267.00     0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-528 [redacted]   ATR/QM: Exempt [redacted] No No   $25,163.00 [redacted] $5,961.78 5.500% Yes   Not Employed           Foreign National       [redacted]         1 [redacted] $9,085.56 [redacted] FL $266.67     0.00% 0.00%                                         No No 0                 NA   No   0.520 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-529 [redacted]   ATR/QM: Exempt [redacted] No No   $8,742.50 [redacted] $645.31 3.750% Yes   Not Employed           US Citizen       [redacted]         2 [redacted] $965.04   WI       0.00% 0.00%                                         No No 0                 NA   No   1.660 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-530 [redacted]   ATR/QM: Exempt [redacted] No No   $8,249.00 [redacted] $1,539.18 5.875% Yes Yes Not Employed Not Employed Not Employed       US Citizen US Citizen Non Permanent Resident Alien   [redacted] [redacted] [redacted]     1 [redacted] $46,870.56 [redacted] FL $706.00     0.00% 0.00% 761 742 733                   742   1 - Not Stated Not Verified           No No 0                 NA   No   0.000 Borrower || Co Borrower || Co Borrower 2 Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-531 [redacted]   ATR/QM: Exempt [redacted] No No   $23,015.00 [redacted] $1,830.00 4.875% Yes Yes Not Employed Not Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,590.00 [redacted] FL $117.75     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-532 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $866.07 4.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,156.32 [redacted] FL $596.00     0.00% 0.00%                                         No No 0                 NA   No   1.570 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-533 [redacted]   ATR/QM: Exempt [redacted] No No   $11,612.00 [redacted] $1,992.19 3.750% Yes               US Citizen       [redacted]         4 [redacted] $1,793.52   WA       0.00% 0.00%                                         No No 0                 NA   No   1.430 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-534 [redacted]   ATR/QM: Exempt [redacted] No No   $11,657.00 [redacted] $1,524.82 4.375% Yes               Foreign National       [redacted]         1 [redacted] $956.04 [redacted] FL $238.00     0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-535 [redacted]   ATR/QM: Exempt [redacted] No No   $6,474.00 [redacted] $1,040.16 3.875% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $339.96 [redacted] VA $310.00     0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-536 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9894.5 $11,114.43 [redacted] $2,189.69 6.875% No   Employed           US Citizen       [redacted]       $3,965.25 1 [redacted] $683.04   CA       49.17% 58.42%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   0.00%       100.00%     NA   Yes 24 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9894.5   0.000%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-537 [redacted]   ATR/QM: Exempt [redacted] No No   $7,456.00 [redacted] $920.21 3.750% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $600.00 [redacted] VA $71.00 20220223   0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-538 [redacted]   ATR/QM: Exempt [redacted] No No   $5,845.00 [redacted] $1,007.28 3.750% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $663.00 [redacted] VA $69.00     0.00% 0.00%                                         No No 0                 NA   No   1.300 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-539 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7385 $3,273.17 [redacted] $2,030.83 5.750% No   Employed           US Citizen       [redacted]         1 [redacted] $1,469.04   CA       41.56% 41.56%                                         No No 0   0.00%       0.00%     NA   Yes 12 0.000 Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified Full Doc 1 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7385 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-540 [redacted]   ATR/QM: Exempt [redacted] No No   $12,750.00 [redacted] $2,074.30 4.125% Yes               US Citizen       [redacted]         1 [redacted] $930.00 [redacted] AZ $93.33     0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-541 [redacted]   ATR/QM: Exempt [redacted] No No   $6,495.00 [redacted] $2,347.41 4.750% Yes Yes Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,627.04 [redacted] MA $180.00     0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-542 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10335 $1,721.79 [redacted] $2,272.76 4.250% No   Employed           US Citizen       [redacted]         1 [redacted] $1,458.96   CA       49.78% 49.78%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   0.00%       0.00%     NA   Yes 24 0.000 Borrower - Wage - Written VOE Verified Written Verification of Employment 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10335 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-543 [redacted]   ATR/QM: Exempt [redacted] No No   $6,775.00 [redacted] $946.00 5.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $216.36 [redacted] UT $97.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.560 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-544 [redacted]   ATR/QM: Exempt [redacted] No No   $16,036.50 [redacted] $1,357.57 3.875% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,929.00   FL       0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-545 [redacted]   ATR/QM: Exempt [redacted] No No   $3,535.50 [redacted] $575.09 5.375% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $800.04 [redacted] SC $634.00 20220223   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-546 [redacted]   ATR/QM: Exempt [redacted] No No   $18,295.00 [redacted] $2,657.27 5.000% Yes   Employed           US Citizen       [redacted]         1 [redacted] $7,400.04 [redacted] FL $456.00 20220222   0.00% 0.00%                                         No No 0                 NA   No   1.130 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-547 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 0 $433.44 [redacted] $2,484.46 5.875% No No Employed Employed         Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $585.84 [redacted] ID $20.83     53.06% 53.06%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   0.00%       0.00%     NA   Yes 24 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 2 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 0 [redacted] 3.610%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-548 [redacted]   ATR/QM: Exempt [redacted] No No   $7,057.50 [redacted] $2,962.49 3.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,468.32   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-549 [redacted]   ATR/QM: Exempt [redacted] No No   $9,346.00 [redacted] $1,697.38 6.750% Yes Yes Employed Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,308.96   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.790 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-550 [redacted]   ATR/QM: Exempt [redacted] No No   $5,537.50 [redacted] $811.74 5.250% Yes Yes Employed Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $640.20 [redacted] FL $399.00 20220222   0.00% 0.00%                                         No No 0                 NA   No   0.940 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-551 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 22340 $22,682.88 [redacted] $3,384.17 3.125% No No Retired Retired         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,504.20   CA       40.12% 40.12%                                         No Yes 12 Business 0.00%   12   100.00%     NA   No   0.000 Borrower - 12 Business Bank Statements Verified || Co Borrower 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 22340 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-552 [redacted]   ATR/QM: Exempt [redacted] No No   $26,836.75 [redacted] $4,588.93 4.750% Yes               Permanent Resident Alien       [redacted]         2 [redacted] $2,664.96   HI       0.00% 0.00%                                         No No 0                 NA   No   0.990 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-553 [redacted]   ATR/QM: Exempt [redacted] No No   $11,130.00 [redacted] $1,627.54 4.750% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,056.00 [redacted] FL $405.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-554 [redacted]   ATR/QM: Exempt [redacted] No No   $14,543.00 [redacted] $1,684.77 5.750% Yes   Employed           Foreign National       [redacted]         1 [redacted] $1,320.96   CA       0.00% 0.00%                                         No No 0                 NA   No   0.860 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-555 [redacted]   ATR/QM: Exempt [redacted] No No   $13,690.00 [redacted] $3,023.48 5.500% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,588.76 [redacted] FL $78.00     0.00% 0.00%                                         No No 0                 NA   No   0.730 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-556 [redacted]   ATR/QM: Exempt [redacted] No No   $12,203.00 [redacted] $1,497.17 4.625% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $3,007.08 [redacted] FL $214.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-557 [redacted]   ATR/QM: Exempt [redacted] No No   $2,665.00 [redacted] $722.46 3.750% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $655.56 [redacted] AL $16.67 20220112   0.00% 0.00%                                         No No 0                 NA   No   1.570 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-558 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,028.26 5.750% Yes               Permanent Resident Alien       [redacted]         2 [redacted] $914.04   FL       0.00% 0.00%                                         No No 0                 NA   No   0.800 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-559 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,815.18 4.875% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $2,084.88 [redacted] FL $205.00     0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                   0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-560 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,209.24 4.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $710.04   PA       0.00% 0.00%                                         No No 0                 NA   No   2.220 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-561 [redacted]   ATR/QM: Exempt [redacted] No No   $10,585.00 [redacted] $2,199.73 5.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,147.56 [redacted] FL $676.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0               0     [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-562 [redacted]   ATR/QM: Exempt [redacted] No No   $6,977.00 [redacted] $3,437.43 3.875% Yes   Employed           US Citizen       [redacted]         3 [redacted] $3,475.08   NY       0.00% 0.00%                                         No No 0                 NA   No   1.530 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-563 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8157.5 $1,515.03 [redacted] $1,500.42 4.250% No   Employed           US Citizen       [redacted]         1 [redacted] $2,062.08   UT       48.95% 48.95%                                         No No 0   0.00%       0.00%     NA   Yes 24 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   [redacted] [redacted] [redacted] [redacted] [redacted] Appendix Q Documentation 8157.5 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-564 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8795 $2,156.29 [redacted] $1,248.21 4.375% No   Self-Employed           US Citizen       [redacted]       $6,352.11 1 [redacted] $1,095.96   MD       22.25% 22.25%                                         No Yes 15 Business 100.00%   15   100.00%     Yes 42 No   0.000 Borrower - SECorporation - CPA Letter Verified, 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8795 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-565 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8890 $2,043.33 [redacted] $2,824.75 3.000% No   Retired           US Citizen       [redacted]         1 [redacted] $1,087.20   CA       30.49% 30.49%                                         Yes No 6 Personal 0.00% 6     100.00%     NA   No   0.000 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 6 Personal Bank Statements Verified Asset Depletion 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8890 [redacted] 3.760%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-566 [redacted]   ATR/QM: Exempt [redacted] No No   $7,767.50 [redacted] $1,210.30 4.875% Yes Yes Not Employed Not Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $819.96 [redacted] FL $759.00     0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-567 [redacted]   ATR/QM: Exempt [redacted] No No   $6,587.50 [redacted] $1,083.93 6.875% Yes   Not Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $1,224.00 [redacted] FL $275.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-568 [redacted]   ATR/QM: Exempt [redacted] No No   $20,140.00 [redacted] $3,021.90 5.125% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $7,638.24 [redacted] FL $283.00     0.00% 0.00%                                         No No 0                 NA   No   2.540 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-569 [redacted]   ATR/QM: Exempt [redacted] No No   $12,376.00 [redacted] $2,377.30 7.375% Yes   Not Employed           Foreign National       [redacted]         1 [redacted] $599.04 [redacted] FL $80.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-570 [redacted]   ATR/QM: Exempt [redacted] No No   $6,587.50 [redacted] $1,083.93 6.875% Yes   Not Employed           Foreign National       [redacted]         1 [redacted] $1,209.96 [redacted] FL $275.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-571 [redacted]   ATR/QM: Exempt [redacted] No No   $1,995.00 [redacted] $1,289.86 3.875% Yes               US Citizen       [redacted]         1 [redacted] $491.04 [redacted] AZ $45.00     0.00% 0.00%                                         No No 0                 NA   No   1.280 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-572 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No   $1,561.00 [redacted] $2,159.17 4.875% No No Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $901.92 [redacted] GA $300.00     6.55% 6.55%                                         No Yes 24 Business 100.00%   24   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, null YTD Profit And Loss Verified, 24 Months Business Bank Statements Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation 5925 [redacted] 3.990%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-573 [redacted]   ATR/QM: Exempt [redacted] No No   $14,026.75 [redacted] $3,327.97 4.250% Yes   Employed           US Citizen       [redacted]         3 [redacted] $1,358.16   CA       0.00% 0.00%                                         No No 0                 NA   No   1.430 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-574 [redacted]   ATR/QM: Exempt [redacted] No No   $10,669.00 [redacted] $1,930.75 9.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $999.96   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0   [redacted] [redacted] [redacted] 0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-575 [redacted]   ATR/QM: Exempt [redacted] No No   $5,455.00 [redacted] $886.67 4.750% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $340.20 [redacted] AZ $287.00 20220224   0.00% 0.00%                                         No No 0                 NA   No   1.210 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-576 [redacted]   ATR/QM: Exempt [redacted] No No   $6,575.00 [redacted] $1,668.60 6.875% Yes               US Citizen       [redacted]         1 [redacted] $628.20   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0     0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-577 [redacted]   ATR/QM: Exempt [redacted] No No   $8,245.00 [redacted] $6,252.06 3.750% Yes   Self-Employed           US Citizen       [redacted]         3 [redacted] $2,475.24   NY       0.00% 0.00%                                         No No 0                 NA   No   1.280 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-578 [redacted]   ATR/QM: Exempt [redacted] No No   $8,510.00 [redacted] $796.58 5.750% Yes               Foreign National       [redacted]         1 [redacted] $461.04 [redacted] VA $496.05     0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-579 [redacted]   ATR/QM: Exempt [redacted] No No   $6,485.00 [redacted] $1,377.79 3.875% Yes Yes Employed           Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $818.04 [redacted] MD $92.00     0.00% 0.00%                                         No No 0                 NA   No   1.410 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-580 [redacted]   ATR/QM: Exempt [redacted] No No   $5,685.00 [redacted] $854.45 3.750% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $2,537.04 [redacted] FL $36.67     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                       0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-581 [redacted]   ATR/QM: Exempt [redacted] No No   $20,800.00 [redacted] $5,967.69 4.000% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,077.00   CA       0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-582 [redacted]   ATR/QM: Exempt [redacted] No No   $4,756.00 [redacted] $741.53 7.250% Yes   Employed           US Citizen       [redacted]         1 [redacted] $800.04 [redacted] SC $660.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted] [redacted]     0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-583 [redacted]   ATR/QM: Exempt [redacted] No No   $5,495.00 [redacted] $1,190.72 4.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $905.04   PA       0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-584 [redacted]   ATR/QM: Exempt [redacted] No No   $11,554.00 [redacted] $2,414.24 5.500% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,518.00 [redacted] FL $503.00 20220401   0.00% 0.00%                                         No No 0                 NA   No   0.750 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-585 [redacted]   ATR/QM: Exempt [redacted] No No   $11,199.25 [redacted] $1,735.52 4.750% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,858.92 [redacted] FL $397.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-586 [redacted]   ATR/QM: Exempt [redacted] No No   $15,249.00 [redacted] $5,410.14 8.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,747.40   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-587 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6280 $8,015.21 [redacted] $1,340.18 3.875% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $506.16 [redacted] CA $330.00 20220301   17.47% 17.47%                                         No Yes 12 Personal 0.00% 12     100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 6280 [redacted] 3.990%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-588 [redacted]   ATR/QM: Exempt [redacted] No No   $42,685.00 [redacted] $12,480.97 3.750% Yes               US Citizen       [redacted]         1 [redacted] $2,295.00   CA       0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-589 [redacted]   ATR/QM: Exempt [redacted] No No   $11,694.50 [redacted] $1,694.52 4.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,435.20   CA       0.00% 0.00%                                         No No 0                 NA   No   1.150 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-590 [redacted]   ATR/QM: Exempt [redacted] No No   $6,445.00 [redacted] $1,283.35 8.625% Yes               US Citizen       [redacted]         1 [redacted] $1,461.96   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-591 [redacted]   ATR/QM: Exempt [redacted] No No   $8,870.00 [redacted] $2,387.08 4.000% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $935.04   CA       0.00% 0.00%                                         No No 0                 NA   No   0.970 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-592 [redacted]   ATR/QM: Exempt [redacted] No No   $5,444.00 [redacted] $668.82 4.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,236.96 [redacted] FL $2.08     0.00% 0.00%                                         No No 0                 NA   No   1.510 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-593 [redacted]   ATR/QM: Exempt [redacted] No No   $4,627.62 [redacted] $610.85 3.750% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $816.96 [redacted] GA $52.50     0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0                 NA   No   1.570 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower                                     [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-594 [redacted]   ATR/QM: Exempt [redacted] No No   $11,573.75 [redacted] $1,876.75 4.250% Yes               US Citizen       [redacted]         1 [redacted] $530.04 [redacted] NY $425.00     0.00% 0.00%                                         No No 0                 NA   No   0.800 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-595 [redacted]   ATR/QM: Exempt [redacted] No No   $10,010.63 [redacted] $4,527.34 7.625% Yes   Employed           US Citizen       [redacted]         2 [redacted] $711.00   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-596 [redacted]   ATR/QM: Exempt [redacted] No No   $5,668.75 [redacted] $967.66 4.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $2,066.04   TX       0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-597 [redacted]   ATR/QM: Exempt [redacted] No No   $7,457.50 [redacted] $2,209.06 3.750% Yes   Employed           Permanent Resident Alien       [redacted]         1 [redacted] $672.96   NY       0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-598 [redacted]   ATR/QM: Exempt [redacted] No No   $8,287.00 [redacted] $2,362.02 4.750% Yes   Employed           Foreign National       [redacted]         1 [redacted] $831.96 [redacted] OR $75.50 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.080 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-599 [redacted]   ATR/QM: Exempt [redacted] No No   $15,954.00 [redacted] $2,837.61 4.875% Yes               US Citizen       [redacted]         4 [redacted] $3,704.04   FL       0.00% 0.00%                                         No No 0                 NA   No   1.490 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-600 [redacted]   ATR/QM: Exempt [redacted] No No   $8,714.00 [redacted] $1,264.00 3.875% Yes               US Citizen       [redacted]         3 [redacted] $2,699.04   FL       0.00% 0.00%                                         No No 0                 NA   No   1.740 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-601 [redacted]   ATR/QM: Exempt [redacted] No No   $8,689.00 [redacted] $1,259.29 3.875% Yes               US Citizen       [redacted]         1 [redacted] $1,677.00   FL       0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-602 [redacted]   ATR/QM: Exempt [redacted] No No   $19,135.00 [redacted] $3,067.29 4.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $2,378.04   NY       0.00% 0.00%                                         No No 0                 NA   No   1.100 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-603 [redacted]   ATR/QM: Exempt [redacted] No No   $7,115.00 [redacted] $1,554.27 5.625% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $998.04   CO       0.00% 0.00%                                         No No 0                 NA   No   0.850 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-604 [redacted]   ATR/QM: Exempt [redacted] No No   $5,747.50 [redacted] $985.91 4.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,485.00   TX       0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-605 [redacted]   ATR/QM: Exempt [redacted] No No   $8,671.25 [redacted] $2,763.17 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,002.00 [redacted] FL $900.00     0.00% 0.00%                                         No No 0                 NA   No   0.990 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-606 [redacted]   ATR/QM: Exempt [redacted] No No   $8,562.00 [redacted] $1,055.76 5.125% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $518.04 [redacted] FL $444.00 20220301   0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-607 [redacted]   ATR/QM: Exempt [redacted] No No   $7,120.00 [redacted] $595.36 4.875% Yes   Employed           US Citizen       [redacted]         1 [redacted] $470.04 [redacted] GA $240.00     0.00% 0.00%                                         No No 0                 NA   No   1.520 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-608 [redacted]   ATR/QM: Exempt [redacted] No No   $8,405.00 [redacted] $2,286.89 8.125% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $6,401.04   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-609 [redacted]   ATR/QM: Exempt [redacted] No No   $6,929.00 [redacted] $727.18 4.750% Yes               Foreign National       [redacted]         1 [redacted] $3,065.04 [redacted] FL $160.00 20220401   0.00% 0.00%                                         No No 0                 NA   No   1.310 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-610 [redacted]   ATR/QM: Exempt [redacted] No No   $17,891.00 [redacted] $1,617.66 5.750% No               US Citizen       [redacted]         1 [redacted] $2,180.52   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-611 [redacted]   ATR/QM: Exempt [redacted] No No   $10,495.00 [redacted] $1,564.94 4.750% Yes               US Citizen       [redacted]         1 [redacted] $954.00   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-612 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7855 $3,514.67 [redacted] $1,966.53 6.000% No   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $600.96 [redacted] IN $25.00     28.35% 28.35%                                         No No 0   100.00%       100.00%     NA   No   0.000 Borrower - SESoleProprietor - 2 YRS W2 1099 Verified W2/1099 Verified 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7855 [redacted] 3.960%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-613 [redacted]   ATR/QM: Exempt [redacted] No No   $23,078.00 [redacted] $2,742.30 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $582.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-614 [redacted]   ATR/QM: Exempt [redacted] No No   $18,551.00 [redacted] $2,463.99 4.875% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,689.00 [redacted] FL $211.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0               0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-615 [redacted]   ATR/QM: Exempt [redacted] No No   $5,172.00 [redacted] $722.42 7.250% Yes   Employed           US Citizen       [redacted]         1 [redacted] $0.00 [redacted] CA $272.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-616 [redacted]   ATR/QM: Exempt [redacted] No No   $9,681.00 [redacted] $1,473.58 6.375% Yes   Employed           Foreign National       [redacted]         2 [redacted] $567.96   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-617 [redacted]   ATR/QM: Exempt [redacted] No No   $5,745.00 [redacted] $2,147.29 5.000% Yes               US Citizen       [redacted]         1 [redacted] $787.20   CA       0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-618 [redacted]   ATR/QM: Exempt [redacted] No No   $16,485.00 [redacted] $3,208.23 4.000% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,173.00   CA       0.00% 0.00%                                         No No 0                 NA   No   0.890 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-619 [redacted]   ATR/QM: Exempt [redacted] No No   $12,253.00 [redacted] $2,440.58 6.375% Yes               Foreign National       [redacted]         1 [redacted] $1,917.00   FL       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-620 [redacted]   ATR/QM: Exempt [redacted] No No   $2,550.00 [redacted] $1,656.31 5.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,271.88 [redacted] FL $7.50 20230401   0.00% 0.00%                                         No No 0                 NA   No   0.920 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-621 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8159 $3,704.14 [redacted] $2,085.32 6.125% No No Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,299.00 [redacted] FL $432.00     17.85% 17.85%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - Business Bank Statements Verified || Co Borrower 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8159 [redacted] 3.960%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-622 [redacted]   ATR/QM: Exempt [redacted] No No   $20,070.00 [redacted] $3,286.38 4.750% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $486.00   CA       0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-623 [redacted]   ATR/QM: Exempt [redacted] No No   $14,195.00 [redacted] $2,821.42 3.875% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $970.68 [redacted] WA $39.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.380 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-624 [redacted]   ATR/QM: Exempt [redacted] No No   $12,560.96 [redacted] $1,444.93 5.750% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $2,619.00 [redacted] FL $165.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-625 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8695 $12,208.58 [redacted] $1,566.46 4.875% No   Retired           US Citizen       [redacted]         1 [redacted] $708.00 [redacted] CA $300.00     54.48% 54.48%                                         No No 0   100.00%       0.00%     NA   No   0.000 Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, Award Letter Verified, 1040 Schedule E Verified Full Doc 0 0 2 0 0 0 Borrower - 2 YRS Personal Tax Returns Verified, 1040 Schedule E Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8695 [redacted] 3.960%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-626 [redacted]   ATR/QM: Exempt [redacted] No No   $2,550.00 [redacted] $1,579.79 6.125% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $1,097.04 [redacted] FL $148.00     0.00% 0.00%                                         No No 0                 NA   No   0.850 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-627 [redacted]   ATR/QM: Exempt [redacted] No No   $7,790.00 [redacted] $1,471.52 6.875% Yes               Foreign National       [redacted]         1 [redacted] $1,826.88 [redacted] FL $718.00 20220501   0.00% 0.00%                                         No No 0                 NA   No   0.830 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-628 [redacted]   ATR/QM: Exempt [redacted] No No   $12,460.00 [redacted] $2,895.83 6.000% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,121.04 [redacted] FL $1,116.00     0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-629 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 38835 $45,579.08 [redacted] $6,875.31 4.750% No No Self-Employed Self-Employed         US Citizen       [redacted] [redacted]       1 [redacted] $6,845.04   CA       14.88% 14.88%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No Yes 12 Business 100.00%   12   100.00%     Yes 132 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 38835 [redacted] 3.990%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-630 [redacted]   ATR/QM: Exempt [redacted] No No   $19,772.00 [redacted] $2,175.27 4.750% Yes               US Citizen       [redacted]         1 [redacted] $1,851.96   NY       0.00% 0.00%                                         No No 0                 NA   No   1.480 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-631 [redacted]   ATR/QM: Exempt [redacted] No No   $5,590.00 [redacted] $949.40 4.750% Yes               US Citizen       [redacted]         1 [redacted] $1,512.96   TX       0.00% 0.00%                                         No No 0                 NA   No   1.220 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-632 [redacted]   ATR/QM: Exempt [redacted] No No   $11,487.00 [redacted] $1,650.49 4.750% Yes               Foreign National       [redacted]         1 [redacted] $848.04 [redacted] FL $100.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower                               0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-633 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10232.5 $4,816.88 [redacted] $2,441.62 8.250% No   Employed           US Citizen       [redacted]         1 [redacted] $1,203.00   NH       54.87% 54.87%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   76.19%       0.00%     NA   Yes 24 0.000 Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Separation Agreement Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10232.5 [redacted] 3.990%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-634 [redacted]   ATR/QM: Exempt [redacted] No No   $10,982.00 [redacted] $871.80 5.000% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $706.08 [redacted] FL $340.00     0.00% 0.00%                                         No No 0                 NA   No   0.920 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-635 [redacted]   ATR/QM: Exempt [redacted] No No   $10,495.00 [redacted] $2,123.38 7.625% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $1,260.00   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-636 [redacted]   ATR/QM: Exempt [redacted] No No   $8,870.00 [redacted] $893.79 4.500% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $860.04 [redacted] FL $365.00     0.00% 0.00%                                         No No 0                 NA   No   0.870 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-637 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No   $11,420.00 [redacted] $2,429.70 5.250%     Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]     $0.00 1 [redacted] $11,487.72 [redacted] FL $588.39     23.23% 23.23%                                         No No 0   82.10%     12 100.00%   Borrower Prepared Yes 36 No   0.000 Borrower - SSI and Disability - CPA Letter Verified, YTD Profit And Loss Verified, IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified || Co Borrower - SSI and Disability - Award Letter Verified Business P&L 0 0 0 0 0 1 Borrower - IRS Transcripts Verified, 1040 Schedule E Verified || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8995 [redacted] 3.960%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-638 [redacted]   ATR/QM: Exempt [redacted] No No   $10,450.00 [redacted] $2,724.11 6.750% No               Foreign National       [redacted]         1 [redacted] $7,694.28 [redacted] FL $313.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-639 [redacted]   ATR/QM: Exempt [redacted] No No   $13,060.00 [redacted] $2,690.47 8.375% Yes   Employed           US Citizen       [redacted]         2 [redacted] $1,427.04   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.980 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-640 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 0 $0.00 [redacted] $11,893.56 4.750% No No Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]     $0.00 1 [redacted] $10,664.16 [redacted] CA $161.80 20220214   51.26% 51.26%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified || Co Borrower - SESoleProprietor - Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 0 [redacted] 3.990%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-641 [redacted]   ATR/QM: Exempt [redacted] No No   $4,277.00 [redacted] $1,047.22 3.875% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $675.00 [redacted] VA $365.00     0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-642 [redacted]   ATR/QM: Exempt [redacted] No No   $8,291.50 [redacted] $1,333.08 4.875% Yes               US Citizen       [redacted]         1 [redacted] $1,797.00   FL       0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-643 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,361.22 5.125% Yes               US Citizen       [redacted]         1 [redacted] $1,569.72   FL       0.00% 0.00%                                         No No 0                 NA   No   1.340 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-644 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6270 $7,481.08 [redacted] $6,787.65 7.250% No   Employed           US Citizen       [redacted]         1 [redacted] $1,787.04   AZ       22.87% 22.87%                                         No No 0   100.00%       0.00%     NA   Yes 36 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 6270 [redacted] 3.990%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-645 [redacted]   ATR/QM: Exempt [redacted] No No   $6,140.00 [redacted] $985.39 6.875% Yes               Foreign National       [redacted]         1 [redacted] $804.96 [redacted] FL $319.00     0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-646 [redacted]   ATR/QM: Exempt [redacted] No No   $7,440.00 [redacted] $3,047.80 6.250% Yes               Foreign National       [redacted]         1 [redacted] $1,425.60   TX       0.00% 0.00%                                         No No 0                 NA   No   0.700 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-647 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,805.57 5.750% Yes               US Citizen       [redacted]         1 [redacted] $2,648.04 [redacted] TX $75.00 20220225   0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-648 [redacted]   ATR/QM: Exempt [redacted] No No   $14,055.00 [redacted] $3,475.61 3.500% Yes               US Citizen       [redacted]         1 [redacted] $1,189.20   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.890 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-649 [redacted]   ATR/QM: Exempt [redacted] No No   $6,538.00 [redacted] $606.75 6.000% Yes               US Citizen       [redacted]         1 [redacted] $800.04 [redacted] SC $660.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-650 [redacted]   ATR/QM: Exempt [redacted] No No   $24,950.50 [redacted] $7,692.46 4.250% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $6,482.04   GA       0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-651 [redacted]   ATR/QM: Exempt [redacted] No No   $17,260.00 [redacted] $1,656.33 5.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $525.96   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-652 [redacted]   ATR/QM: Exempt [redacted] No No   $10,487.00 [redacted] $1,481.25 4.875% Yes Yes Not Employed Not Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $735.00 [redacted] FL $300.00     0.00% 0.00%                                         No No 0                 NA   No   0.820 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-653 [redacted]   ATR/QM: Exempt [redacted] No No   $13,178.75 [redacted] $1,715.84 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,641.48 [redacted] CA $1,746.00     0.00% 0.00%                                         No No 0                 NA   No   1.270 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-654 [redacted]   ATR/QM: Exempt [redacted] No No   $5,791.00 [redacted] $893.38 6.375% Yes               Foreign National       [redacted]         1 [redacted] $1,152.00 [redacted] FL $516.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-655 [redacted]   ATR/QM: Exempt [redacted] No No   $9,745.00 [redacted] $1,645.83 3.875% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $1,218.96 [redacted] CA $160.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.470 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-656 [redacted]   ATR/QM: Exempt [redacted] No No   $9,745.00 [redacted] $2,046.53 7.250% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $769.20   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.770 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-657 [redacted]   ATR/QM: Exempt [redacted] No No   $6,971.00 [redacted] $949.86 7.625% Yes               US Citizen       [redacted]         1 [redacted] $6,799.68   FL $584.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-658 [redacted]   ATR/QM: Exempt [redacted] No No   $4,156.00 [redacted] $888.75 8.250% Yes               US Citizen       [redacted]         1 [redacted] $492.00 [redacted] NV $826.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-659 [redacted]   ATR/QM: Exempt [redacted] No No   $16,835.00 [redacted] $3,463.37 8.000% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $2,547.00   NY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-660 [redacted]   ATR/QM: Exempt [redacted] No No   $12,907.50 [redacted] $3,277.64 4.625% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $8,409.00 [redacted] FL $110.00     0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-661 [redacted]   ATR/QM: Exempt [redacted] No No   $15,342.03 [redacted] $2,313.25 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $928.08 [redacted] AZ $169.00     0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-662 [redacted]   ATR/QM: Exempt [redacted] No No   $4,256.88 [redacted] $2,193.25 5.625% Yes   Employed           US Citizen       [redacted]         1 [redacted] $939.96   CA       0.00% 0.00%                                         No No 0                 NA   No   0.770 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-663 [redacted]   ATR/QM: Exempt [redacted] No No   $16,835.58 [redacted] $1,851.57 3.625% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $1,620.12   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.440 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-664 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7432.5 $3,201.33 [redacted] $2,099.96 3.375% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,371.32 [redacted] CA $121.00     54.48% 54.48%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - Business Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7432.5 [redacted] 3.960%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-665 [redacted]   ATR/QM: Exempt [redacted] No No   $10,205.00 [redacted] $1,701.61 4.750% Yes Yes Self-Employed Self-Employed Self-Employed   10   US Citizen US Citizen Non Permanent Resident Alien   [redacted] [redacted] [redacted]     1 [redacted] $2,019.96   NC       0.00% 0.00% 748 734 703                   734   3 - Verified<2Mos           No No 0                 NA   No   1.390 Borrower || Co Borrower || Co Borrower 2 Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2       0       0     0     0   0 0 0 [redacted] [redacted]           Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-666 [redacted]   ATR/QM: Exempt [redacted] No No   $2,245.00 [redacted] $1,706.70 4.875% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,042.56 [redacted] FL $889.00 20220303   0.00% 0.00%                                         No No 0                 NA   No   0.790 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-667 [redacted]   ATR/QM: Exempt [redacted] No No   $5,119.00 [redacted] $968.78 4.500% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $858.00   PA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.170 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-668 [redacted]   ATR/QM: Exempt [redacted] No No   $6,055.00 [redacted] $1,814.07 8.875% Yes Yes Employed Employed         Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $1,194.00   NJ       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-669 [redacted]   ATR/QM: Exempt [redacted] No No   $7,420.00 [redacted] $1,672.04 4.125% Yes Yes Not Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,344.72 [redacted] AZ $54.00     0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-670 [redacted]   ATR/QM: Exempt [redacted] No No   $8,958.00 [redacted] $1,367.75 5.125% Yes   Not Employed           US Citizen       [redacted]         2 [redacted] $3,588.96   FL       0.00% 0.00%                                         No No 0                 NA   No   1.240 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-671 [redacted]   ATR/QM: Exempt [redacted] No No   $4,745.00 [redacted] $521.65 4.750% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $822.96 [redacted] CA $345.00     0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-672 [redacted]   ATR/QM: Exempt [redacted] No No   $7,346.25 [redacted] $1,285.15 3.750% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $839.76   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.070 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0   0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-673 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 15067.5 $17,808.56 [redacted] $3,391.99 6.250% No   Employed           US Citizen       [redacted]         1 [redacted] $2,395.44 [redacted] FL $216.00     41.58% 41.58%                                         No No 0   0.00%       0.00%     NA   Yes 36 0.000 Borrower - Wage, Retirement, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Award Letter Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 15067.5 [redacted] 3.830%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-674 [redacted]   ATR/QM: Exempt [redacted] No No   $6,945.52 [redacted] $3,439.85 4.875% Yes Yes Self-Employed Self-Employed         Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $516.00 [redacted] CA $225.00     0.00% 0.00%                                         No No 0                 NA   No   0.880 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-675 [redacted]   ATR/QM: Exempt [redacted] No No   $11,775.00 [redacted] $1,873.27 5.750% Yes   Employed           US Citizen       [redacted]         2 [redacted] $1,086.00   NJ       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.240 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-676 [redacted]   ATR/QM: Exempt [redacted] No No   $15,545.00 [redacted] $2,304.16 3.875% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $2,611.32   CO       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.510 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-677 [redacted]   ATR/QM: Exempt [redacted] No No   $7,690.00 [redacted] $1,097.58 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $401.64 [redacted] CO $379.00     0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-678 [redacted]   ATR/QM: Exempt [redacted] No No   $18,089.00 [redacted] $3,045.24 5.875% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $5,263.92   FL       0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-679 [redacted]   ATR/QM: Exempt [redacted] No No   $6,012.00 [redacted] $1,134.95 6.875% Yes   Employed           US Citizen       [redacted]         1 [redacted] $396.00 [redacted] FL $242.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-680 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5045 $2,539.17 [redacted] $1,067.71 5.125% No   Employed           US Citizen       [redacted]         1 [redacted] $1,746.00 [redacted] AZ $180.00     35.35% 36.83%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - Child Support - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Separation Agreement Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5045 [redacted] 3.960%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-681 [redacted]   ATR/QM: Exempt [redacted] No No   $10,995.00 [redacted] $1,759.84 3.750% Yes   Employed           US Citizen       [redacted]         4 [redacted] $1,545.96   NM       0.00% 0.00%                                         No No 0                 NA   No   1.520 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-682 [redacted]   ATR/QM: Exempt [redacted] No No   $13,011.00 [redacted] $2,554.33 8.500% Yes               Foreign National       [redacted]         1 [redacted] $8,694.96 [redacted] FL $584.00     0.00% 0.00%                                         No No 0                 NA   No   0.720 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower                                     [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-683 [redacted]   ATR/QM: Exempt [redacted] No No   $10,065.00 [redacted] $2,590.45 5.625% Yes               US Citizen       [redacted]         1 [redacted] $1,842.24   CA       0.00% 0.00%                                         No No 0                 NA   No   0.770 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-684 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 52795 $21,698.33 [redacted] $21,760.32 3.250% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $10,089.00   CA       9.50% 9.50%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 52795 [redacted] 3.830%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-685 [redacted]   ATR/QM: Exempt [redacted] No No   $4,895.00 [redacted] $737.91 4.250% Yes               US Citizen       [redacted]         1 [redacted] $914.04   TX       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.180 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-686 [redacted]   ATR/QM: Exempt [redacted] No No   $6,470.00 [redacted] $2,614.60 5.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $3,091.08   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-687 [redacted]   ATR/QM: Exempt [redacted] No No   $22,075.00 [redacted] $2,921.27 5.500% Yes               Foreign National       [redacted]         1 [redacted] $6,928.44   FL       0.00% 0.00%                                         No No 0                 NA   No   0.790 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-688 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9865 $3,943.25 [redacted] $3,788.76 3.375% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $3,284.04   CA       54.45% 54.45%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9865 [redacted] 3.960%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-689 [redacted]   ATR/QM: Exempt [redacted] No No   $6,859.00 [redacted] $1,000.06 6.375% Yes               US Citizen       [redacted]         1 [redacted] $551.28 [redacted] FL $321.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-690 [redacted]   ATR/QM: Exempt [redacted] No No   $13,828.75 [redacted] $3,138.65 6.000% Yes               US Citizen       [redacted]         1 [redacted] $1,200.00   NY       0.00% 0.00%                                         No No 0                 NA   No   0.720 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-691 [redacted]   ATR/QM: Exempt [redacted] No No   $11,365.25 [redacted] $1,677.04 5.250% Yes   Employed           Foreign National       [redacted]         1 [redacted] $1,416.00   NY       0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-692 [redacted]   ATR/QM: Exempt [redacted] No No   $10,985.50 [redacted] $2,801.20 3.875% Yes               Foreign National       [redacted]         1 [redacted] $1,195.56   CA       0.00% 0.00%                                         No No 0                 NA   No   0.950 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-693 [redacted]   ATR/QM: Exempt [redacted] No No   $8,251.00 [redacted] $834.25 6.125% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $609.96 [redacted] NC $75.00     0.00% 0.00%                                         No No 0                 NA   No   1.230 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-694 [redacted]   ATR/QM: Exempt [redacted] No No   $13,975.00 [redacted] $3,425.05 6.375% Yes               Foreign National       [redacted]         1 [redacted] $906.96   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-695 [redacted]   ATR/QM: Exempt [redacted] No No   $5,050.00 [redacted] $1,906.25 7.625% Yes               US Citizen       [redacted]         1 [redacted] $3,069.96   TX       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-696 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 15200 $3,670.46 [redacted] $3,223.78 4.750% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,906.20   CA       43.78% 43.78%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - Business Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 15200 [redacted] 3.960%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-697 [redacted]   ATR/QM: Exempt [redacted] No No   $7,666.00 [redacted] $990.68 4.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $17,538.96 [redacted] FL $811.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-698 [redacted]   ATR/QM: Exempt [redacted] No No   $6,955.00 [redacted] $829.39 6.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,854.96   TX       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-699 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10535 $6,142.00 [redacted] $1,652.92 4.250% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $859.20   CA       45.89% 45.89%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - Subject Property Net Rental Income(Loss) if NOO, SESoleProprietor - Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10535 [redacted] 3.830%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-700 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 19814 $5,634.68 [redacted] $4,866.02 5.250% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $990.00   WA       23.14% 23.14%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 19814 [redacted] 3.830%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-701 [redacted]   ATR/QM: Exempt [redacted] No No   $5,005.00 [redacted] $2,200.71 3.875% Yes               US Citizen       [redacted]         1 [redacted] $1,526.04 [redacted] CA $85.00     0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-702 [redacted]   ATR/QM: Exempt [redacted] No No   $13,976.00 [redacted] $2,687.47 4.250% Yes Yes Self-Employed Self-Employed Self-Employed Self-Employed 5 5 US Citizen US Citizen US Citizen US Citizen [redacted] [redacted] [redacted] [redacted]   1 [redacted] $1,925.40 [redacted] FL $511.00     0.00% 0.00% 758 747 767 760 807 814             758 807 4 - Verified 2+ Mos 4 - Verified 2+ Mos         No No 0                 NA   No   1.060 Borrower || Co Borrower || Co Borrower 2 || Co Borrower 3 Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2 || Co Borrower 3       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-703 [redacted]   ATR/QM: Exempt [redacted] No No   $9,937.00 [redacted] $978.61 4.750% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $588.96 [redacted] FL $210.00     0.00% 0.00%                                         No No 0                 NA   No   1.130 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-704 [redacted]   ATR/QM: Exempt [redacted] No No   $4,945.00 [redacted] $1,597.75 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,008.96   AZ       0.00% 0.00%                                         No No 0                 NA   No   1.890 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-705 [redacted]   ATR/QM: Exempt [redacted] No No   $4,570.00 [redacted] $1,490.30 4.125% Yes Yes Employed           US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,404.00 [redacted] TX $29.17     0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-706 [redacted]   ATR/QM: Exempt [redacted] No No   $11,418.97 [redacted] $1,326.73 4.125% Yes Yes Employed           US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,509.96 [redacted] TX $30.42     0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-707 [redacted]   ATR/QM: Exempt [redacted] No No   $11,402.50 [redacted] $3,169.01 4.750% Yes               US Citizen       [redacted]         1 [redacted] $738.96   CA       0.00% 0.00%                                         No No 0                 NA   No   0.810 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-708 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $552.20 5.250% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,823.12   FL       0.00% 0.00%                                         No No 0                 NA   No   1.300 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-709 [redacted]   ATR/QM: Exempt [redacted] No No   $12,370.00 [redacted] $1,739.12 5.875% Yes               US Citizen       [redacted]         1 [redacted] $1,875.96   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.080 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-710 [redacted]   ATR/QM: Exempt [redacted] No No   $5,931.25 [redacted] $1,228.59 4.125% Yes   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $773.04 [redacted] AL $45.83 20220309   0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-711 [redacted]   ATR/QM: Exempt [redacted] No No   $11,807.50 [redacted] $2,473.15 6.000% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $762.12 [redacted] VA $901.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-712 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7330 $8,398.96 [redacted] $1,967.45 5.000% No   Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $816.96   UT       54.26% 54.26%                                         No No 0   100.00%       0.00%     NA   No   0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation 7330 [redacted] 3.830%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-713 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 27695 $29,896.67 [redacted] $4,329.07 4.250% No No Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,414.56 [redacted] CA $125.00     46.86% 46.86%                                         Yes No 2 Personal 78.93% 2     0.00%     NA   No   0.000 Borrower - Personal Bank Statements Verified || Co Borrower Asset Depletion 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 27695 [redacted] 3.830%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-714 [redacted]   ATR/QM: Exempt [redacted] No No   $8,439.00 [redacted] $1,054.81 6.125% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $656.04 [redacted] FL $320.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-715 [redacted]   ATR/QM: Exempt [redacted] No No   $16,269.50 [redacted] $6,842.30 3.750% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $1,835.04   CA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.930 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-716 [redacted]   ATR/QM: Exempt [redacted] No No   $5,021.25 [redacted] $1,006.06 4.375% Yes Yes Employed Employed         Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $1,308.96 [redacted] AL $25.00 20220308   0.00% 0.00%                                         No No 0                 NA   No   1.380 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-717 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7129.5 $6,744.69 [redacted] $860.72 4.750% No No Employed Employed         Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $2,124.96 [redacted] TX $58.50 20220311   36.55% 36.55%                                         No No 0   0.00%       0.00%     NA   Yes 26 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 2 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7129.5 [redacted] 3.830%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-718 [redacted]   ATR/QM: Exempt [redacted] No No   $4,060.00 [redacted] $524.26 4.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $969.00   AL       0.00% 0.00%                                         No No 0                 NA   No   1.870 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-719 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4565 $5,714.25 [redacted] $1,378.65 3.000% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,512.96 [redacted] CA $11.67 20220307   41.64% 41.64%                                         Yes No 3 Personal 0.00% 3     0.00%     NA   No   0.000 Borrower - SSI and Disability, Asset Depletion - 1 YR W2 1099 Verified, Personal Bank Statements Verified Asset Depletion 1 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4565 [redacted] 3.830%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-720 [redacted]   ATR/QM: Exempt [redacted] No No   $4,215.00 [redacted] $873.02 5.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $860.04   NY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $374.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-721 [redacted]   ATR/QM: Exempt [redacted] No No   $5,508.75 [redacted] $545.99 3.375% Yes   Not Employed           Foreign National       [redacted]         1 [redacted] $534.96 [redacted] AL $25.00     0.00% 0.00%                                         No No 0                 NA   No   1.320 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-722 [redacted]   ATR/QM: Exempt [redacted] No No   $6,231.75 [redacted] $1,673.27 5.500% Yes Yes Not Employed Not Employed         Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $800.04 [redacted] MD $92.00 20220301   0.00% 0.00%                                         No No 0                 NA   No   1.210 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-723 [redacted]   ATR/QM: Exempt [redacted] No No   $13,895.00 [redacted] $2,070.76 5.250% Yes               US Citizen       [redacted]         1 [redacted] $7,101.12   FL       0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-724 [redacted]   ATR/QM: Exempt [redacted] No No   $9,005.00 [redacted] $1,609.26 4.625% Yes   Not Employed           Foreign National       [redacted]         4 [redacted] $6,190.08   FL       0.00% 0.00%                                         No No 0                 NA   No   1.470 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-725 [redacted]   ATR/QM: Exempt [redacted] No No   $5,995.00 [redacted] $1,432.25 4.000% Yes   Self-Employed           US Citizen       [redacted]         2 [redacted] $919.20   CA       0.00% 0.00%                                         No No 0                 NA   No   1.100 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-726 [redacted]   ATR/QM: Exempt [redacted] No No   $6,357.19 [redacted] $814.50 5.250% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $474.00 [redacted] NC $35.00     0.00% 0.00%                                         No No 0                 NA   No   1.560 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-727 [redacted]   ATR/QM: Exempt [redacted] No No   $3,055.00 [redacted] $594.50 5.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $1,379.04   NY       0.00% 0.00%                                         No No 0                 NA   No   1.610 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-728 [redacted]   ATR/QM: Exempt [redacted] No No   $8,437.50 [redacted] $1,533.47 5.250% Yes Yes Employed           US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,023.36   WA       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-729 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4638 $3,223.50 [redacted] $552.20 5.250% No No Employed Employed         Permanent Resident Alien US Citizen     [redacted] [redacted]     $0.00 1 [redacted] $938.40   CA       49.79% 49.79%                                         No No 0   100.00%       100.00%     NA   Yes 25 0.000 Borrower - Wage - Written VOE Verified || Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified Written Verification of Employment 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 4638 [redacted] 3.830%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-730 [redacted]   ATR/QM: Exempt [redacted] No No   $2,545.00 [redacted] $637.99 6.125% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $1,467.00   NY       0.00% 0.00%                                         No No 0                 NA   No   1.250 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-731 [redacted]   ATR/QM: Exempt [redacted] No No   $5,311.00 [redacted] $643.00 5.875% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,690.08 [redacted] GA $225.00     0.00% 0.00%                                         No No 0                 NA   No   1.170 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-732 [redacted]   ATR/QM: Exempt [redacted] No No   $6,652.00 [redacted] $1,823.62 8.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $1,119.96   NY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-733 [redacted]   ATR/QM: Exempt [redacted] No No   $6,865.00 [redacted] $3,828.12 5.250% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,283.04 [redacted] CA $85.00     0.00% 0.00%                                         No No 0                 NA   No   0.740 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-734 [redacted]   ATR/QM: Exempt [redacted] No No   $9,395.00 [redacted] $1,554.81 4.875% Yes   Employed           Foreign National       [redacted]         1 [redacted] $1,497.96 [redacted] FL $136.00     0.00% 0.00%                                         No No 0                 NA   No   1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-735 [redacted]   ATR/QM: Exempt [redacted] No No   $6,045.00 [redacted] $1,169.67 4.625% Yes   Self-Employed           Foreign National       [redacted]         4 [redacted] $9,836.28   TX       0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower                                     [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-736 [redacted]   ATR/QM: Exempt [redacted] No No   $17,995.00 [redacted] $3,406.73 5.500% Yes               Foreign National       [redacted]         1 [redacted] $2,295.96   NY       0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-737 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7651.25 $2,054.38 [redacted] $1,102.04 4.500% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $1,181.04   TN       44.13% 44.13%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - null Business Tax Returns Verified, Business Bank Statements Verified 12 Month Bank Statement 0 0 0   0 0 Borrower - null Business Tax Returns Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7651.25 [redacted] 3.830%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-738 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9295 $11,923.38 [redacted] $3,396.05 5.250% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $920.04   CA       54.03% 54.03%                                         No Yes 24 Business 100.00%   24   100.00%     Yes 36 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9295 [redacted] 3.830%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-739 [redacted]   ATR/QM: Exempt [redacted] No No   $5,770.00 [redacted] $1,033.22 7.875% Yes               Non Permanent Resident Alien       [redacted]         2 [redacted] $1,751.04   CT       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-740 [redacted]   ATR/QM: Exempt [redacted] No No   $10,965.00 [redacted] $4,590.62 6.500% Yes               US Citizen       [redacted]         1 [redacted] $1,409.04   CA       0.00% 0.00%                                         No No 0                 NA   No   0.670 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-741 [redacted]   ATR/QM: Exempt [redacted] No No   $16,665.00 [redacted] $2,834.42 5.000% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,120.20   CA       0.00% 0.00%                                         No No 0                 NA   No   0.940 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-742 [redacted]   ATR/QM: Exempt [redacted] No No   $4,855.00 [redacted] $635.92 5.500% Yes               US Citizen       [redacted]         1 [redacted] $747.00 [redacted] AZ $220.00 20220601   0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-743 [redacted]   ATR/QM: Exempt [redacted] No No   $14,260.00 [redacted] $2,056.23 3.750% Yes   Not Employed           US Citizen       [redacted]         2 [redacted] $4,243.20   TX       0.00% 0.00%                                         No No 0                 NA   No   1.420 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-744 [redacted]   ATR/QM: Exempt [redacted] No No   $9,998.00 [redacted] $1,112.66 5.375% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,863.96 [redacted] FL $312.00     0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-745 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 15595 $17,925.11 [redacted] $3,286.75 6.500% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $2,964.36 [redacted] GA $1,510.17     9.53% 9.53%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 15595 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-746 [redacted]   ATR/QM: Exempt [redacted] No No   $6,045.00 [redacted] $1,251.95 4.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,239.00 [redacted] TX $42.68     0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-747 [redacted]   ATR/QM: Exempt [redacted] No No   $14,995.00 [redacted] $8,437.50 7.500% Yes   Employed           US Citizen       [redacted]         2 [redacted] $1,506.96   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-748 [redacted]   ATR/QM: Exempt [redacted] No No   $6,939.50 [redacted] $728.74 4.750% Yes               Foreign National       [redacted]         1 [redacted] $713.76 [redacted] FL $275.00     0.00% 0.00%                                         No No 0                 NA   No   1.220 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower                                     [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-749 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11675 $5,797.62 [redacted] $2,294.48 3.375% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,043.00   CA       26.24% 26.24%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - Business Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 11675 [redacted] 3.830%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-750 [redacted]   ATR/QM: Exempt [redacted] No No   $8,225.00 [redacted] $1,334.53 3.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $614.04 [redacted] FL $379.00     0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-751 [redacted]   ATR/QM: Exempt [redacted] No No   $22,177.50 [redacted] $6,093.75 6.500% Yes               US Citizen       [redacted]         1 [redacted] $1,266.96   CA       0.00% 0.00%                             4 - Verified 2+ Mos 4 - Verified 2+ Mos         No No 0                 NA   No   0.430 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-752 [redacted]   ATR/QM: Exempt [redacted] No No   $8,765.00 [redacted] $2,380.00 4.250% Yes   Not Employed           US Citizen       [redacted]         1 [redacted] $1,542.96 [redacted] CA $135.00     0.00% 0.00%                                         No No 0                 NA   No   1.710 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-753 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 19195 $3,763.13 [redacted] $2,796.88 3.750% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,680.00   CA       27.34% 32.66%                                         No Yes 12 Personal 100.00% 12     100.00%     NA   No   0.000 Borrower - SESoleProprietor - Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 19195 [redacted] 3.830%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-754 [redacted]   ATR/QM: Exempt [redacted] No No   $14,517.00 [redacted] $2,164.31 6.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,430.28 [redacted] FL $368.00 20220401   0.00% 0.00%                                         No No 0                 NA   No   0.820 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-755 [redacted]   ATR/QM: Exempt [redacted] No No   $11,528.00 [redacted] $2,158.08 4.750% Yes Yes Self-Employed Employed         Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $2,154.00 [redacted] FL $75.42 20220309   0.00% 0.00%                                         No No 0                 NA   No   1.240 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-756 [redacted]   ATR/QM: Exempt [redacted] No No   $6,495.00 [redacted] $3,496.07 7.500% Yes               US Citizen       [redacted]         1 [redacted] $1,455.00   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-757 [redacted]   ATR/QM: Exempt [redacted] No No   $19,645.00 [redacted] $1,610.00 3.500% Yes               US Citizen       [redacted]         1 [redacted] $1,641.96   HI       0.00% 0.00%                                         No No 0                 NA   No   1.360 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-758 [redacted]   ATR/QM: Exempt [redacted] No No   $5,425.75 [redacted] $936.76 4.990% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $342.96 [redacted] VA $351.00     0.00% 0.00%                                         No No 0                 NA   No   1.170 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-759 [redacted]   ATR/QM: Exempt [redacted] No No   $9,340.00 [redacted] $1,462.17 5.625% Yes               US Citizen       [redacted]         1 [redacted] $754.68 [redacted] AL $505.00     0.00% 0.00%                                         No No 0                 NA   No   1.790 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-760 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10569.5 $2,933.47 [redacted] $2,405.49 5.750% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,917.00   FL       10.31% 10.31%                                         No Yes 13 Business 100.00%   13   100.00%     Yes 60 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10569.5 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-761 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6555 $7,082.00 [redacted] $762.06 4.875% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $465.96 [redacted] CT $0.00     37.17% 37.17%                                         No Yes 12 Business 95.37%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 6555 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-762 [redacted]   ATR/QM: Exempt [redacted] No No   $15,745.00 [redacted] $5,279.52 3.750% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,685.04   CA       0.00% 0.00%                                         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-763 [redacted]   ATR/QM: Exempt [redacted] No No   $8,400.00 [redacted] $3,286.38 4.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       3 [redacted] $1,506.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-764 [redacted]   ATR/QM: Exempt [redacted] No No   $13,945.00 [redacted] $4,307.19 5.250% Yes               US Citizen       [redacted]         2 [redacted] $1,697.28   CA       0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-765 [redacted]   ATR/QM: Exempt [redacted] No No   $14,365.00 [redacted] $1,916.45 5.750% Yes Yes Employed Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,940.28 [redacted] FL $169.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-766 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 23590 $25,203.35 [redacted] $3,449.48 4.625% No   Self-Employed           US Citizen       [redacted]         2 [redacted] $1,245.00   CA       28.89% 32.63%                                         No No 0   100.00%     48 100.00%   Borrower Prepared Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 23590 [redacted] 3.830%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-767 [redacted]   ATR/QM: Exempt [redacted] No No   $29,312.00 [redacted] $3,115.83 6.125% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $936.36 [redacted] FL $210.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-768 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7070 $7,999.81 [redacted] $1,175.94 5.375% No   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $2,412.96 [redacted] FL $150.00     18.89% 18.89%                                         No Yes 24 Business 100.00%   24   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7070 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-769 [redacted]   ATR/QM: Exempt [redacted] No No   $7,677.00 [redacted] $673.89 6.000% Yes   Employed           US Citizen       [redacted]         1 [redacted] $800.04 [redacted] SC $655.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-770 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $4,430.62 5.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $888.36 [redacted] MD $105.00 20220315   0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-771 [redacted]   ATR/QM: Exempt [redacted] No No   $6,510.00 [redacted] $825.06 6.250% Yes               US Citizen       [redacted]         1 [redacted] $2,699.04   TX       0.00% 0.00%                                         No No 0                 NA   No   1.210 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-772 [redacted]   ATR/QM: Exempt [redacted] No No   $12,531.25 [redacted] $2,850.79 4.250% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $2,295.00 [redacted] FL $395.42     0.00% 0.00%                                         No No 0                 NA   No   1.170 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-773 [redacted]   ATR/QM: Exempt [redacted] No No   $4,141.00 [redacted] $1,440.71 5.125% Yes Yes Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,427.04 [redacted] TX $45.83     0.00% 0.00%                                         No No 0                 NA   No   1.080 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-774 [redacted]   ATR/QM: Exempt [redacted] No No   $7,705.00 [redacted] $1,295.77 4.750% Yes   Employed           Foreign National       [redacted]         1 [redacted] $1,200.00 [redacted] CO $75.00     0.00% 0.00%                                         No No 0                 NA   No   1.460 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower                                     [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-775 [redacted]   ATR/QM: Exempt [redacted] No No   $5,260.00 [redacted] $1,098.12 5.250% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $374.04 [redacted] WA $510.00     0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-776 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No   $6,050.72 [redacted] $1,961.39 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $734.88 [redacted] FL $525.00 20220119   50.30% 50.30%                                         No No 0   100.00%     14 100.00%   Borrower Prepared NA   No   0.000 Borrower - SESCorp - null Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified Full Doc 0 0   2 0 0 Borrower - null Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9410 [redacted] 4.230%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-777 [redacted]   ATR/QM: Exempt [redacted] No No   $9,501.25 [redacted] $2,526.33 5.250% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $3,657.96   NY       0.00% 0.00%                                         No No 0                 NA   No   1.100 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-778 [redacted]   ATR/QM: Exempt [redacted] No No   $6,632.00 [redacted] $3,038.73 5.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $3,494.04   NY       0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-779 [redacted]   ATR/QM: Exempt [redacted] No No   $17,915.00 [redacted] $2,371.88 5.500% Yes               US Citizen       [redacted]         1 [redacted] $683.04   CA       0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted] [redacted]     0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-780 [redacted]   ATR/QM: Exempt [redacted] No No   $5,712.50 [redacted] $880.02 4.750% Yes   Self-Employed           Permanent Resident Alien       [redacted]         1 [redacted] $662.04 [redacted] VA $100.00     0.00% 0.00%                                         No No 0                 NA   No   1.480 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-781 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9040 $1,625.92 [redacted] $1,521.99 3.000% No   Not Employed           US Citizen       [redacted]         1 [redacted] $1,701.00   CA       50.86% 50.86%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - Award Letter Verified, Lease Agreements Verified Retirement Income Doc Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9040 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-782 [redacted]   ATR/QM: Exempt [redacted] No No   $4,520.00 [redacted] $624.57 5.500% Yes               US Citizen       [redacted]         1 [redacted] $342.00 [redacted] CO $173.00     0.00% 0.00%                                         No No 0                 NA   No   1.430 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-783 [redacted]   ATR/QM: Exempt [redacted] No No   $8,866.00 [redacted] $1,068.91 5.875% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,281.96   AL       0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-784 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 15625 $2,772.78 [redacted] $6,335.24 3.375% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $10,122.36   CA       40.87% 40.87%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 15625 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-785 [redacted]   ATR/QM: Exempt [redacted] No No   $8,881.75 [redacted] $1,298.46 6.125% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $1,558.44 [redacted] FL $350.00     0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-786 [redacted]   ATR/QM: Exempt [redacted] No No   $7,655.00 [redacted] $1,219.65 5.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $508.92   CA       0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-787 [redacted]   ATR/QM: Exempt [redacted] No No   $17,905.20 [redacted] $2,001.30 6.000% Yes   Not Employed           Foreign National       [redacted]         1 [redacted] $2,685.96 [redacted] FL $239.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-788 [redacted]   ATR/QM: Exempt [redacted] No No   $14,534.00 [redacted] $2,215.44 5.250% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $2,862.48   TX       0.00% 0.00%                                         No No 0                 NA   No   0.990 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-789 [redacted]   ATR/QM: Exempt [redacted] No No   $15,885.38 [redacted] $3,244.67 5.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $413.04   CA       0.00% 0.00%                                         No No 0                 NA   No   0.960 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-790 [redacted]   ATR/QM: Exempt [redacted] No No   $4,360.00 [redacted] $882.25 6.125% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       2 [redacted] $1,157.04   NY       0.00% 0.00%                                         No No 0                 NA   No   1.420 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-791 [redacted]   ATR/QM: Exempt [redacted] No No   $6,922.50 [redacted] $993.63 5.500% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $1,455.96 [redacted] TX $36.00     0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-792 [redacted]   ATR/QM: Exempt [redacted] No No   $22,882.00 [redacted] $6,235.33 6.000% Yes               US Citizen       [redacted]         1 [redacted] $2,012.04 [redacted] CA $45.00     0.00% 0.00%                                         No No 0                 NA   No   0.800 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-793 [redacted]   ATR/QM: Exempt [redacted] No No   $10,092.00 [redacted] $1,776.44 5.250% Yes   Self-Employed           Permanent Resident Alien       [redacted]         1 [redacted] $1,814.04 [redacted] SC $90.00     0.00% 0.00%                                         No No 0                 NA   No   1.170 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-794 [redacted]   ATR/QM: Exempt [redacted] No No   $12,550.00 [redacted] $2,155.01 6.250% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,928.64 [redacted] FL $680.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-795 [redacted]   ATR/QM: Exempt [redacted] No No   $3,875.00 [redacted] $657.12 5.250% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $450.00   PA       0.00% 0.00%                                         No No 0                 NA   No   1.670 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-796 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $607.61 6.125% Yes   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $548.64   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-797 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No   $22,012.13 [redacted] $4,766.29 4.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]     $0.00 1 [redacted] $2,259.96 [redacted] AZ $6.25 20220308   37.65% 37.65%                                         No Yes 12 Business 100.00%   12   100.00%     NA   Yes 36 0.000 Borrower - SEPartnership - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Business Bank Statements Verified || Co Borrower - SEPartnership - Business Bank Statements Verified 12 Month Bank Statement 2 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 27016.75 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-798 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 14235 $2,754.10 [redacted] $2,815.78 3.250% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $4,278.12   CA       5.74% 5.74%                                         No Yes 24 Business 0.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 14235 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-799 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11865 $8,156.64 [redacted] $2,115.34 4.250% No No Retired Retired         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $3,305.28   CA       52.76% 52.76%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - Retirement - Award Letter Verified || Co Borrower - Retirement - Award Letter Verified Retirement Income Doc Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 11865 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-800 [redacted]   ATR/QM: Exempt [redacted] No No   $8,707.50 [redacted] $1,486.17 4.750% Yes               US Citizen       [redacted]         1 [redacted] $597.00 [redacted] MD $92.00     0.00% 0.00%                                         No No 0                 NA   No   1.420 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-801 [redacted]   ATR/QM: Exempt [redacted] No No   $5,065.00 [redacted] $620.76 4.750% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $444.96   PA       0.00% 0.00%                                         No No 0                 NA   No   1.810 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-802 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 18895 $2,312.50 [redacted] $4,524.43 4.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,806.96   NV       32.67% 32.67%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified Full Doc 0 0 1 1 0 0 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 18895 [redacted] 4.230%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-803 [redacted]   ATR/QM: Exempt [redacted] No No   $4,991.25 [redacted] $1,432.97 5.250% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,395.00   TX       0.00% 0.00%                                         No No 0                 NA   No   1.040 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-804 [redacted]   ATR/QM: Exempt [redacted] No No   $14,440.00 [redacted] $5,393.75 3.750% Yes Yes Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $12,421.08   CA       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-805 [redacted]   ATR/QM: Exempt [redacted] No No   $9,890.00 [redacted] $1,798.65 6.000% Yes               Foreign National       [redacted]         1 [redacted] $1,448.04 [redacted] FL $360.00     0.00% 0.00%                                         No No 0                 NA   No   0.890 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                       0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-806 [redacted]   ATR/QM: Exempt [redacted] No No   $5,062.00 [redacted] $1,176.46 5.500% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $565.32   CA       0.00% 0.00%                                         No No 0                 NA   No   1.090 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-807 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 16330 $8,134.57 [redacted] $14,084.48 4.750% No No Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $3,059.04 [redacted] WA $124.00     52.82% 52.82%                                         No No 0   69.83%     2 9479.00%   Borrower Prepared NA   No   0.000 Borrower - SEPartnership, Asset Depletion - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Lease Agreements Verified, 1040 Schedule E Verified || Co Borrower - SEPartnership, Asset Depletion - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Lease Agreements Verified, 1040 Schedule E Verified Full Doc 2 2 2 2 0 0 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1040 Schedule E Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1040 Schedule E Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 16330 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-808 [redacted]   ATR/QM: Exempt [redacted] No No   $9,085.00 [redacted] $1,439.75 4.750% Yes               US Citizen       [redacted]         1 [redacted] $1,681.56 [redacted] TX $49.58     0.00% 0.00%                                         No No 0                 NA   No   1.070 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-809 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6562.5 $2,759.59 [redacted] $1,780.53 5.875% No No Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $689.04 [redacted] AZ $44.00     47.04% 47.04%                                         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - SSI and Disability - 2 YRS W2 1099 Verified || Co Borrower - SSI and Disability - Award Letter Verified ALT DOC 2 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 6562.5 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-810 [redacted]   ATR/QM: Exempt [redacted] No No   $5,434.00 [redacted] $755.84 5.625% Yes               US Citizen       [redacted]         2 [redacted] $948.36   PA       0.00% 0.00%                                         No No 0                 NA   No   1.900 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-811 [redacted]   ATR/QM: Exempt [redacted] No No   $11,145.00 [redacted] $2,608.24 4.750% Yes               US Citizen       [redacted]         2 [redacted] $1,212.96   NY       0.00% 0.00%                                         No No 0                 NA   No   1.620 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-812 [redacted]   ATR/QM: Exempt [redacted] No No   $16,475.00 [redacted] $5,132.15 6.000% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $3,362.04   TX       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-813 [redacted]   ATR/QM: Exempt [redacted] No No   $8,996.00 [redacted] $1,506.07 6.000% Yes Yes Self-Employed           Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $791.04 [redacted] FL $290.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-814 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7145 $7,413.78 [redacted] $1,082.51 5.875% No   Employed           US Citizen       [redacted]         1 [redacted] $999.00   CA       33.18% 33.18%                                         No No 0   0.00%       0.00%     NA   Yes 24 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7145 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-815 [redacted]   ATR/QM: Exempt [redacted] No No   $5,495.00 [redacted] $2,799.86 5.375% Yes               Non Permanent Resident Alien       [redacted]         2 [redacted] $924.00   NY       0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-816 [redacted]   ATR/QM: Exempt [redacted] No No   $13,245.00 [redacted] $2,626.08 5.750% Yes               Foreign National       [redacted]         1 [redacted] $801.12   CA       0.00% 0.00%                                         No No 0                 NA   No   0.810 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0                             [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-817 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11717.5 $12,691.30 [redacted] $3,819.58 5.125% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,928.00 [redacted] CA $303.00     54.72% 54.72%                                         No Yes 24 Business 100.00%   24   100.00%     Yes 36 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 11717.5 [redacted] 4.230%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-818 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7600 $8,142.22 [redacted] $2,308.92 6.125% No   Employed           Permanent Resident Alien       [redacted]         1 [redacted] $1,963.68   CA       33.53% 33.53%                                         No No 0   0.00%       0.00%     NA   Yes 36 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7600 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-819 [redacted]   ATR/QM: Exempt [redacted] No No   $7,750.00 [redacted] $786.89 5.250% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $828.00 [redacted] FL $297.50     0.00% 0.00%                                         No No 0                 NA   No   1.210 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-820 [redacted]   ATR/QM: Exempt [redacted] No No   $5,975.00 [redacted] $1,031.58 5.625% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $753.96   CT       0.00% 0.00%                                         No No 0                 NA   No   1.400 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-821 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7870 $2,231.25 [redacted] $2,205.17 5.125% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,007.04   CA       47.29% 47.29%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7870 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-822 [redacted]   ATR/QM: Exempt [redacted] No No   $27,775.00 [redacted] $4,619.76 5.375% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $3,309.96 [redacted] FL $226.00     0.00% 0.00%                                         No No 0                 NA   No   0.870 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-823 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 19895 $20,672.58 [redacted] $4,166.19 5.375% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $6,299.64   FL       39.32% 39.32%                                         No No 0   0.00%     25 100.00%   Borrower Prepared Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 19895 [redacted] 3.920%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-824 [redacted]   ATR/QM: Exempt [redacted] No No   $11,306.00 [redacted] $1,571.89 6.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $438.96 [redacted] FL $450.00     0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0                 NA   No   1.010 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-825 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No   $2,795.58 [redacted] $1,257.76 5.125% No No Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $873.48 [redacted] FL $901.00     17.39% 17.39%                                         No No 0   0.00%       0.00%     NA   No   0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified Full Doc 2 2 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 6492.5 [redacted] 4.230%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-826 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12400 $2,679.96 [redacted] $2,676.10 4.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $989.40 [redacted] CA $547.00     9.62% 9.62%                                         No Yes 24 Business 100.00%   24   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 12400 [redacted] 4.230%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-827 [redacted]   ATR/QM: Exempt [redacted] No No   $13,741.25 [redacted] $1,797.08 4.750% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $2,754.60 [redacted] FL $135.00     0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-828 [redacted]   ATR/QM: Exempt [redacted] No No   $16,477.00 [redacted] $2,135.60 6.000% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $6,391.32 [redacted] FL $15.00     0.00% 0.00%                                         No No 0                 NA   No   0.680 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-829 [redacted]   ATR/QM: Exempt [redacted] No No   $10,570.00 [redacted] $1,588.12 5.250% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $539.64 [redacted] WA $40.00     0.00% 0.00%                             3 - Verified<2Mos 3 - Verified<2Mos         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-830 [redacted]   ATR/QM: Exempt [redacted] No No   $19,395.00 [redacted] $2,483.04 4.750% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $917.16 [redacted] GA $175.00     0.00% 0.00%                                         No No 0                 NA   No   1.310 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-831 [redacted]   ATR/QM: Exempt [redacted] No No   $8,498.50 [redacted] $1,582.62 5.250% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $177.84 [redacted] GA $215.00 20220501   0.00% 0.00%                                         No No 0                 NA   No   1.080 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-832 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 18215 $14,800.92 [redacted] $2,942.09 4.750% No   Self-Employed           Non Permanent Resident Alien       [redacted]         1 [redacted] $1,380.96   CA       36.01% 36.01%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SESCorp - Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 18215 [redacted] 4.230%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-833 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 59845 $47,985.78 [redacted] $9,753.33 4.750% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $6,385.44 [redacted] FL $4,802.07     30.75% 32.97%                                         No Yes 48 Personal,Business 100.00% 24 24   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 59845 [redacted] 4.230%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-834 [redacted]   ATR/QM: Exempt [redacted] No No   $7,200.00 [redacted] $1,692.36 5.750% Yes               Foreign National       [redacted]         1 [redacted] $1,236.96   CA       0.00% 0.00%                                         No No 0                 NA   No   1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-835 [redacted]   ATR/QM: Exempt [redacted] No No   $7,612.00 [redacted] $1,535.68 5.250% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $555.72 [redacted] NC $5.83 20220501   0.00% 0.00%                                         No No 0                 NA   No   1.230 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-836 [redacted]   ATR/QM: Exempt [redacted] No No   $11,387.50 [redacted] $1,397.01 6.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $645.96 [redacted] NJ $210.00     0.00% 0.00%                                         No No 0                 NA   No   1.100 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-837 [redacted]   ATR/QM: Exempt [redacted] No No   $12,813.35 [redacted] $2,033.29 5.990% Yes Yes Self-Employed Self-Employed Employed   10   US Citizen US Citizen US Citizen   [redacted] [redacted] [redacted]     1 [redacted] $1,869.00   NY       0.00% 0.00% 777 766 753                   766   1 - Not Stated Not Verified           No No 0                 NA   No   0.850 Borrower || Co Borrower || Co Borrower 2 Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-838 [redacted]   ATR/QM: Exempt [redacted] No No   $9,002.50 [redacted] $1,118.93 4.750% Yes   Employed           Foreign National       [redacted]         1 [redacted] $714.00 [redacted] GA $30.00     0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-839 [redacted]   ATR/QM: Exempt [redacted] No No   $6,775.00 [redacted] $931.67 5.875% Yes               US Citizen       [redacted]         1 [redacted] $606.96 [redacted] FL $232.00     0.00% 0.00%                                         No No 0                 NA   No   1.100 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-840 [redacted]   ATR/QM: Exempt [redacted] No No   $26,940.00 [redacted] $2,592.59 4.750% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $3,906.00   TX       0.00% 0.00%                                         No No 0                 NA   No   0.930 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower                                     [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-841 [redacted]   ATR/QM: Exempt [redacted] No No   $31,840.00 [redacted] $3,406.73 5.500% Yes Yes Self-Employed Self-Employed Self-Employed   6.95   Foreign National Foreign National Foreign National   [redacted] [redacted] [redacted]     1 [redacted] $3,309.96 [redacted] FL $511.00     0.00% 0.00%                         0   1 - Not Stated Not Verified           No No 0                 NA   No   0.730 Borrower || Co Borrower || Co Borrower 2 Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2                                     [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-842 [redacted]   ATR/QM: Exempt [redacted] No No   $7,070.00 [redacted] $910.37 5.750% Yes Yes Self-Employed Self-Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $699.96 [redacted] FL $377.00     0.00% 0.00%                                         No No 0                 NA   No   1.060 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0   [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-843 [redacted]   ATR/QM: Exempt [redacted] No No   $12,695.00 [redacted] $2,096.72 4.875% Yes               US Citizen       [redacted]         1 [redacted] $521.16   CA       0.00% 0.00%                                         No No 0                 NA   No   0.880 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-844 [redacted]   ATR/QM: Exempt [redacted] No No   $14,245.00 [redacted] $1,401.63 5.834% Yes               US Citizen       [redacted]         1 [redacted] $2,708.04 [redacted] TX $83.33     0.00% 0.00%                                         No No 0                 NA   No   1.110 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-845 [redacted]   ATR/QM: Exempt [redacted] No No   $13,450.00 [redacted] $1,731.69 6.125% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,986.84 [redacted] FL $814.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-846 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 16042.5 $2,774.16 [redacted] $5,856.62 4.375% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $4,057.56 [redacted] CA $228.00     54.22% 54.22%                                         No Yes 24 Business 100.00%   24   80.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 16042.5 [redacted] 4.230%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-847 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11349 $13,591.63 [redacted] $3,781.79 4.750% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,666.20   CA       23.94% 26.15%                                         No Yes 24 Business 100.00%   24   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 11349 [redacted] 4.490%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-848 [redacted]   ATR/QM: Exempt [redacted] No No   $6,045.00 [redacted] $1,879.10 5.750% Yes               US Citizen       [redacted]         1 [redacted] $849.00   CA       0.00% 0.00%                                         No No 0                 NA   No   0.850 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-849 [redacted]   ATR/QM: Exempt [redacted] No No   $10,403.75 [redacted] $1,830.56 5.250% Yes               Foreign National       [redacted]         1 [redacted] $966.96 [redacted] FL $740.00     0.00% 0.00%                                         No No 0                 NA   No   1.120 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-850 [redacted]   ATR/QM: Exempt [redacted] No No   $16,415.00 [redacted] $2,206.44 5.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $861.96 [redacted] CA $68.00     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-851 [redacted]   ATR/QM: Exempt [redacted] No No   $26,995.00 [redacted] $2,625.00 5.250% Yes               Foreign National       [redacted]         1 [redacted] $995.16   CA       0.00% 0.00%                                         No No 0                 NA   No   0.960 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-852 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 17940 $18,190.35 [redacted] $3,109.37 6.250% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,001.04   CA       37.87% 37.87%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SECorporation - Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 17940 [redacted] 4.230%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-853 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8575 $1,522.50 [redacted] $4,190.78 5.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,850.04   CA       23.56% 23.56%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SECorporation - Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8575 [redacted] 4.230%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-854 [redacted]   ATR/QM: Exempt [redacted] No No   $10,503.00 [redacted] $2,765.77 4.750% Yes               Foreign National       [redacted]         1 [redacted] $2,636.04 [redacted] FL $670.25 20220601   0.00% 0.00%                                         No No 0                 NA   No   0.750 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-855 [redacted]   ATR/QM: Exempt [redacted] No No   $17,877.50 [redacted] $3,083.09 5.500% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $2,460.96 [redacted] FL $416.00     0.00% 0.00%                                         No No 0                 NA   No   1.650 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower                                     [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-856 [redacted]   ATR/QM: Exempt [redacted] No No   $5,990.00 [redacted] $2,014.80 5.625% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $953.04   CA       0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-857 [redacted]   ATR/QM: Exempt [redacted] No No   $11,909.25 [redacted] $1,975.48 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $810.00   AZ       0.00% 0.00%                                         No No 0                 NA   No   1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted] [redacted]     0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-858 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7255 $1,709.38 [redacted] $1,047.69 5.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,912.80   CA       33.20% 33.20%                                         No Yes 24 Personal 100.00% 24     100.00%     NA   No   0.000 Borrower - SESoleProprietor - Personal Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7255 [redacted] 4.490%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-859 [redacted]   ATR/QM: Exempt [redacted] No No   $7,990.00 [redacted] $1,174.48 5.125% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $512.76 [redacted] TX $58.00     0.00% 0.00%                                         No No 0                 NA   No   1.000 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-860 [redacted]   ATR/QM: Exempt [redacted] No No   $17,836.00 [redacted] $2,267.35 5.375% Yes Yes Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $3,519.96   FL       0.00% 0.00%                                         No No 0                 NA   No   1.180 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-861 [redacted]   ATR/QM: Exempt [redacted] No No   $29,427.25 [redacted] $3,267.77 5.634% Yes               Foreign National       [redacted]         1 [redacted] $1,340.04 [redacted] TX $244.17     0.00% 0.00%                                         No No 0                 NA   No   0.700 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-862 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12210.5 $1,817.36 [redacted] $3,496.15 4.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $894.00 [redacted] AZ $150.00     13.17% 13.17%                                         No Yes 24 Business 100.00%   24   100.00%     NA   No   0.000 Borrower - SESoleProprietor - Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 12210.5 [redacted] 4.230%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-863 [redacted]   ATR/QM: Exempt [redacted] No No   $7,095.00 [redacted] $3,135.84 5.375% Yes               Permanent Resident Alien       [redacted]         1 [redacted] $1,195.32   WA       0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-864 [redacted]   ATR/QM: Exempt [redacted] No No   $7,128.00 [redacted] $1,286.43 6.080% Yes               US Citizen       [redacted]         1 [redacted] $1,203.72 [redacted] FL $206.00     0.00% 0.00%                                         No No 0                 NA   No   1.030 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_2022-ATH2-865 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5775 $1,472.11 [redacted] $2,614.41 5.750% No   Employed           Permanent Resident Alien       [redacted]         1 [redacted] $0.00 [redacted] CA $523.00     37.49% 37.49%                                         No No 0   0.00%       0.00%     NA   Yes 25 0.000 Borrower - Wage - Written VOE Verified Written Verification of Employment 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 5775 [redacted] 4.490%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-866 [redacted]   ATR/QM: Exempt [redacted] No No   $6,587.50 [redacted] $1,029.39 6.375% Yes Yes Not Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,244.04 [redacted] FL $116.67     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-867 [redacted]   ATR/QM: Exempt [redacted] No No   $11,898.00 [redacted] $978.23 6.375% Yes Yes Self-Employed Employed Self-Employed   10.2   Foreign National Foreign National Foreign National   [redacted] [redacted] [redacted]     1 [redacted] $894.96 [redacted] FL $349.00     0.00% 0.00%                         0   4 - Verified 2+ Mos           No No 0                 NA   No   0.000 Borrower || Co Borrower || Co Borrower 2 Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-868 [redacted]   ATR/QM: Exempt [redacted] No No   $7,335.00 [redacted] $1,338.20 6.375% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,839.96 [redacted] TX $62.50     0.00% 0.00%                                         No No 0                 NA   No   0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_2022-ATH2-869 [redacted]   ATR/QM: Exempt [redacted] No No   $6,249.25 [redacted] $952.65 6.375% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $717.00 [redacted] FL $360.00     0.00% 0.00%                                         No No 0                 NA   No   1.540 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No