EX-99.16 17 ex99-16.htm CLAYTON NON-ATR QM UPLOAD

Exhibit 99.16

Client Name:
Client Project Name:	CSMC 2022-NQM3
Start - End Dates:	3/14/2017 - 3/7/2022
Deal Loan Count:	225


ATR QM Upload

Loans in Report:	225

Loan Number

Deal

Seller Loan Number

Original Principal Balance

State

Loan Level ATR/QM Status

Lender Provided ATR/QM Worksheet

Initial Lender ATR/QM Status

Application Date

Borrowers Qualified Through a Non-Resident Alien Program

Occupancy

Property Type

Number of Units

Loan Type

Exempt Loan Product Type

Exempt Loan Housing Agency

Community Housing Development

Credit Under Economic Stabilization Act Of 2008

Refinance Of Non-Standard Mortgage

Higher Priced Covered Transaction

State Prepay Exceptions

Loan Purpose

Loan Term Exceeds 30 Years

Interest Only Feature

Negative Amortization

Balloon Payment

Prepay Penalty Flag

Prepayment Penalty Type

Prohibited Prepayment Penalty

Exceeds Points And Fees

Exceeds DTI Limit

Lien Position

APR

QM Calculated DTI Adherence

QM Lenders DTI Adherence

QM Fee Adherence - Total Charges %

QM Fee Adherence - Lenders Fee %

Fannie Mae Eligible

Freddie Mac Eligible

VA Guaranty Eligible

FHA Insured Eligible

USDA Guarantee Eligible

Rural Housing Service Insured Eligible

QM - Expected Income Or Assets For DTI

QM - Current Employment Status For DTI

QM - Monthly Payment On Subject Loan For DTI

QM - Monthly Payment On Additional Loan For DTI

QM - Monthly Payment Mortgage Related Obligations

QM - Current Debt Obligations Alimony and Child Support for DTI

QM - Monthly DTI Ratio Or Residual Income

ATR - Guidelines Provided to Document Approach

ATR - Current And Expected Income And Assets

ATR - Current Employment Status

ATR - Mortgage Payment Obligation

ATR - Mortgage Payment on Simultaneous Transaction

ATR - Payment For Mortgage Related Obligations

ATR - Debt Obligations Including Alimony and Child Support

ATR - Monthly DTI Ratio or Residual Income

ATR - Consumer Credit History

ATR Lenders - DTI (Back)

ATR Calculated DTI (Back)

QM Lender Value DTI (Back)

QM Calculated DTI (Back)

Initial DTI (Back)

DTI Qualifying (Back)

Residual Income Analysis in File

Residual Income Guidelines

Did Loan Meet Guidelines

Residual Income Amount

Short Sale

Short Sale Date

Deed In Lieu

Deed In Lieu Date

QRM Flag

Borrower 2 Guarantor Flag

Borrower 3 Guarantor Flag

Borrower 4 Guarantor Flag

Borrower 1 Paystub Flag

Borrower 1 Paystub Number of Months

Borrower 2 Paystub Flag

Borrower 2 Paystub Number of Months

Borrower 3 Paystub Flag

Borrower 3 Paystub Number of Months

Borrower 4 Paystub Flag

Borrower 4 Paystub Number of Months

Borrower 1 W2 Flag

Borrower 1 W2 Number of Months

Borrower 2 W2 Flag

Borrower 2 W2 Number of Months

Borrower 3 W2 Flag

Borrower 3 W2 Number of Months

Borrower 4 W2 Flag

Borrower 4 W2 Number of Months

Borrower 1 Personal Tax Return Flag

Borrower 1 Personal Tax Return Number of Months

Borrower 2 Personal Tax Return Flag

Borrower 2 Personal Tax Return Number of Months

Borrower 3 Personal Tax Return Flag

Borrower 3 Personal Tax Return Number of Months

Borrower 4 Personal Tax Return Flag

Borrower 4 Personal Tax Return Number of Months

Borrower 1 Business Tax Return Flag

Borrower 1 Business Tax Return Number of Months

Borrower 2 Business Tax Return Flag

Borrower 2 Business Tax Return Number of Months

Borrower 3 Business Tax Return Flag

Borrower 3 Business Tax Return Number of Months

Borrower 4 Business Tax Return Flag

Borrower 4 Business Tax Return Number of Months

Borrower 1 Verbal VOE Flag

Borrower 1 Verbal VOE Number of Months

Borrower 2 Verbal VOE Flag

Borrower 2 Verbal VOE Number of Months

Borrower 3 Verbal VOE Flag

Borrower 3 Verbal VOE Number of Months

Borrower 4 Verbal VOE Flag

Borrower 4 Verbal VOE Number of Months

Borrower 1 Written VOE Flag

Borrower 1 Written VOE Number of Months

Borrower 2 Written VOE Flag

Borrower 2 Written VOE Number of Months

Borrower 3 Written VOE Flag

Borrower 3 Written VOE Number of Months

Borrower 4 Written VOE Flag

Borrower 4 Written VOE Number of Months

Borrower 1 P&L Flag

Borrower 1 P&L Number of Months

Borrower 2 P&L Flag

Borrower 2 P&L Number of Months

Borrower 3 P&L Flag

Borrower 3 P&L Number of Months

Borrower 4 P&L Flag

Borrower 4 P&L Number of Months

Borrower 1 Lease Agreement Flag

Borrower 1 Lease Agreement Number of Months

Borrower 2 Lease Agreement Flag

Borrower 2 Lease Agreement Number of Months

Borrower 3 Lease Agreement Flag

Borrower 3 Lease Agreement Number of Months

Borrower 4 Lease Agreement Flag

Borrower 4 Lease Agreement Number of Months

Equity Income Flag

Equity Income Amount

Equity Income Number of Months

DSCR with Rent Schedule Flag

DSCR with Rent Schedule Income Amount

DSCR with Lease Agreement Flag

DSCR with Lease Agreement Income Amount

DSCR %

Borrower 1 CPA Letter with Income Flag

Borrower 1 CPA Letter with Income Number of Months

Borrower 1 CPA Letter without Income Flag

Borrower 1 CPA Letter without Income Number of Months

Borrower 2 CPA Letter with Income Flag

Borrower 2 CPA Letter with Income Number of Months

Borrower 2 CPA Letter without Income Flag

Borrower 2 CPA Letter without Income Number of Months

Borrower 3 CPA Letter with Income Flag

Borrower 3 CPA Letter with Income Number of Months

Borrower 3 CPA Letter without Income Flag

Borrower 3 CPA Letter without Income Number of Months

Borrower 4 CPA Letter with Income Flag

Borrower 4 CPA Letter with Income Number of Months

Borrower 4 CPA Letter without Income Flag

Borrower 4 CPA Letter without Income Number of Months

Borrower 1 Personal Bank Statements Flag

Borrower 1 Personal Bank Statements Number of Months

Borrower 2 Personal Bank Statements Flag

Borrower 2 Personal Bank Statements Number of Months

Borrower 3 Personal Bank Statements Flag

Borrower 3 Personal Bank Statements Number of Months

Borrower 4 Personal Bank Statements Flag

Borrower 4 Personal Bank Statements Number of Months

Borrower 1 Business Bank Statements Flag

Borrower 1 Business Bank Statements Number of Months

Borrower 2 Business Bank Statements Flag

Borrower 2 Business Bank Statements Number of Months

Borrower 3 Business Bank Statements Flag

Borrower 3 Business Bank Statements Number of Months

Borrower 4 Business Bank Statements Flag

Borrower 4 Business Bank Statements Number of Months

Borrower 1 Award Letter Flag

Borrower 1 Award Letter Number of Months

Borrower 2 Award Letter Flag

Borrower 2 Award Letter Number of Months

Borrower 3 Award Letter Flag

Borrower 3 Award Letter Number of Months

Borrower 4 Award Letter Flag

Borrower 4 Award Letter Number of Months

Borrower 1 Offer Letter Flag

Borrower 1 Offer Letter Number of Months

Borrower 2 Offer Letter Flag

Borrower 2 Offer Letter Number of Months

Borrower 3 Offer Letter Flag

Borrower 3 Offer Letter Number of Months

Borrower 4 Offer Letter Flag

Borrower 4 Offer Letter Number of Months

Borrower 1 IRS Transcripts - Tax Returns Flag

Borrower 1 IRS Transcripts - Tax Returns Number of Months

Borrower 1 IRS Transcripts - W2s Flag

Borrower 1 IRS Transcripts - W2s Number of Months

Borrower 2 IRS Transcripts - Tax Returns Flag

Borrower 2 IRS Transcripts - Tax Returns Number of Months

Borrower 2 IRS Transcripts - W2s Flag

Borrower 2 IRS Transcripts - W2s Number of Months

Borrower 3 IRS Transcripts - Tax Returns Flag

Borrower 3 IRS Transcripts - Tax Returns Number of Months

Borrower 3 IRS Transcripts - W2s Flag

Borrower 3 IRS Transcripts - W2s Number of Months

Borrower 4 IRS Transcripts - Tax Returns Flag

Borrower 4 IRS Transcripts - Tax Returns Number of Months

Borrower 4 IRS Transcripts - W2s Flag

Borrower 4 IRS Transcripts - W2s Number of Months

Borrower 1 Income Doc Type Summary

Borrower 2 Income Doc Type Summary

Borrower 3 Income Doc Type Summary

Borrower 4 Income Doc Type Summary

436052221

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0847

6.671

(No Data)

-4683.85

(No Data)

Yes

(No Data)

Yes

4350.00

1.0410

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 36 months;

(No Data)

436052222

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-2687.46

(No Data)

Yes

2750.00

(No Data)

1.0232

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052223

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.5876

8.221

(No Data)

-8456.43

(No Data)

Yes

(No Data)

Yes

2090.00

1.2443

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

434917461

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3750

(No Data)

-3232.08

(No Data)

Yes

2370.00

(No Data)

1.3726

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380756

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.9433

(No Data)

-913.36

(No Data)

Yes

(No Data)

Yes

1190.00

1.1640

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

435380757

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9433

(No Data)

-1031.53

(No Data)

Yes

(No Data)

Yes

1040.00

1.0008

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

436052224

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.3982

9.195

(No Data)

-4468.92

(No Data)

Yes

2600.00

(No Data)

1.0012

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082672

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.6520

10.808

(No Data)

-986.6

(No Data)

Yes

2150.00

(No Data)

2.1792

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052225

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0722

(No Data)

-3051.22

(No Data)

Yes

2300.00

(No Data)

1.0140

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052226

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.9480

(No Data)

-3040.32

(No Data)

Yes

1700.00

(No Data)

1.1877

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082673

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.8750

(No Data)

-1680.65

(No Data)

Yes

2200.00

(No Data)

1.3090

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082674

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.6788

9.375

(No Data)

-3940.45

(No Data)

Yes

2300.00

(No Data)

1.1141

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052227

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.5000

(No Data)

-5136.57

(No Data)

435789636

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0000

(No Data)

-13450.83

(No Data)

Yes

14500.00

(No Data)

1.0780

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435874005

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

6.5829

Yes

2.994

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

35.69

35.64

35.69

35.64

(No Data)

4411.18

(No Data)

Yes

(No Data)

Yes

120

(No Data)

CPA Letter without Income - 120 months;
P & L - 23 months;

(No Data)

436052228

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.5682

9.601

(No Data)

-15062.53

(No Data)

Yes

8300.00

(No Data)

1.2659

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052229

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Rate and Term Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.1250

(No Data)

-5408.54

(No Data)

Yes

5450.00

(No Data)

1.5196

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

430846287

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

5.1431

2.122

Unavailable

(No Data)

Yes

Documented

Not Applicable

Documented

47.94

47.73

47.94

47.73

Yes

9333.77

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Personal Bank Statements - 24 months;

Paystub - 1 months;
W2 - 12 months;

(No Data)

430204728

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Rate and Term Refi

(No Data)

6.1513

Yes

1.642

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

42.38

41.95

42.38

39.37

41.95

(No Data)

10701.21

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

433213150

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

4.9091

Yes

2.796

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

42.7

42.69

42.7

42.69

42.7

(No Data)

4632.16

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

434424643

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.2400

(No Data)

45.4

(No Data)

5946.31

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

434709352

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0756

5.762

(No Data)

45.73

45.98

(No Data)

11937.97

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
Lease Agreement - 12 months;
P & L - 22 months;

(No Data)

436082676

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.7442

10.207

(No Data)

-1768.5

(No Data)

Yes

2400.00

(No Data)

1.3571

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052230

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0135

(No Data)

-6399.17

(No Data)

Yes

2600.00

(No Data)

1.1404

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

433982266

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

4.3365

Yes

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

41.87

(No Data)

8622.93

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 19 months;

(No Data)

433995501

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

6.2596

Yes

4.266

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

40.04

40.25

40.04

40.25

(No Data)

7312.28

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 19 months;

(No Data)

435380761

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.1250

(No Data)

-2299.14

(No Data)

Yes

2900.00

(No Data)

1.2613

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

433828344

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

5.3736

2.435

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.82

(No Data)

9014.97

(No Data)

Yes

(No Data)

Yes

120

(No Data)

CPA Letter without Income - 120 months;
P & L - 12 months;

(No Data)

434709356

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.2500

(No Data)

-2587.65

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

3100.00

(No Data)

1.1979

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380762

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.1250

(No Data)

-2422.33

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

3000.00

(No Data)

1.2384

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

433982313

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

4.4036

Yes

4.57

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.88

42.32

43.88

42.32

(No Data)

3627.02

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

433982333

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

4.3905

1.507

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

43.37

(No Data)

5176.2

(No Data)

Yes

(No Data)

Written VOE - 40 months;

(No Data)

434067553

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

4.4226

1.294

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

44.28

(No Data)

6686.94

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

436082677

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

4.0785

3.425

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

47.3

(No Data)

3690.42

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

120

(No Data)

CPA Letter without Income - 120 months;
P & L - 11 months;
Personal Tax Return - 12 months;

(No Data)

434190706

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3% of OPB in year 1,2

(No Data)

Yes

4.8750

(No Data)

47.54

(No Data)

11087.84

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 19 months;

(No Data)

435380765

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.5924

15.021

(No Data)

-1246.68

(No Data)

Yes

1950.00

(No Data)

1.5641

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

434190731

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

5.6325

2.218

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

44.04

44.05

44.04

44.05

(No Data)

8815.99

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 19 months;

(No Data)

434568209

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Rate and Term Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.2500

(No Data)

-2986.94

(No Data)

Yes

(No Data)

Yes

3000.00

1.0043

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

434917467

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Rate and Term Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9952

(No Data)

-6589.45

(No Data)

Yes

1300.00

1.7187

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

436052232

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.5322

17.794

(No Data)

-5429.89

(No Data)

435380767

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.9480

(No Data)

45.77

46.59

(No Data)

3406.86

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

434567205

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

4.5747

Yes

2.185

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

30.95

28.03

30.95

28.03

(No Data)

8611.18

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 48 months;
P & L - 20 months;

(No Data)

436052233

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8896

(No Data)

-4287.37

(No Data)

Yes

3800.00

(No Data)

1.1192

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

434709413

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

4.2851

0.527

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

44.78

(No Data)

7104.54

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 21 months;

(No Data)

434709415

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3750

(No Data)

-3598.91

(No Data)

Yes

3700.00

(No Data)

1.0280

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

434809240

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.5706

9.631

(No Data)

-3616.88

(No Data)

Yes

3600.00

(No Data)

1.0051

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082678

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

4 Family

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

Yes

5.0507

1.77

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

47.2

47.29

47.2

47.29

(No Data)

9229.73

(No Data)

Yes

(No Data)

Yes

120

(No Data)

CPA Letter without Income - 120 months;
P & L - 24 months;

(No Data)

434809257

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0809

5.778

(No Data)

-5680.63

(No Data)

Yes

6250.00

(No Data)

1.1331

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

434809258

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9409

(No Data)

-2497.83

(No Data)

Yes

2650.00

(No Data)

1.0866

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

434809259

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8238

(No Data)

-1761.04

(No Data)

Yes

2400.00

(No Data)

1.4109

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

434917500

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.9952

(No Data)

-5268.37

(No Data)

Yes

3500.00

(No Data)

1.1747

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082679

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.3006

7.68

(No Data)

-5866.25

(No Data)

Yes

5400.00

(No Data)

0.9205

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380779

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.1250

(No Data)

-1196.68

(No Data)

Yes

1550.00

(No Data)

1.2952

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380784

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0000

(No Data)

-8896.81

(No Data)

Yes

2375.00

(No Data)

1.0500

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380785

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9409

(No Data)

-2447.72

(No Data)

Yes

2000.00

(No Data)

1.1443

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380787

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0000

(No Data)

-7029.68

(No Data)

Yes

(No Data)

Yes

4300.00

1.1194

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

436052234

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0020

(No Data)

-18448.78

(No Data)

Yes

4900.00

(No Data)

1.1905

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

434917524

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

4.2386

Yes

2.625

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

38.68

(No Data)

7175.5

(No Data)

Yes

(No Data)

Written VOE - 34 months;

(No Data)

435380793

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0000

(No Data)

-6381.09

(No Data)

Yes

3900.00

(No Data)

0.9479

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380795

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0657

(No Data)

-5551.74

(No Data)

Yes

2300.00

(No Data)

1.1993

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380796

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8238

(No Data)

-2853.53

(No Data)

Yes

2200.00

(No Data)

1.1621

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380801

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.7690

(No Data)

-1861.57

(No Data)

Yes

2600.00

(No Data)

1.3966

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380803

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3634

6.994

(No Data)

47.22

(No Data)

12126.71

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 22 months;

(No Data)

435380805

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9409

(No Data)

-3149.59

(No Data)

Yes

2650.00

(No Data)

1.2053

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435874013

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

4.9834

Yes

2.426

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

40.99

40.91

40.99

40.91

(No Data)

20798.47

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 22 months;

Paystub - 1 months;
W2 - 24 months;

(No Data)

435380807

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

4.2700

Yes

1.26

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

40.26

40.19

40.26

40.19

(No Data)

7176.78

(No Data)

Yes

(No Data)

Written VOE - 34 months;

(No Data)

436052235

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3750

(No Data)

-2532.05

(No Data)

Yes

2500.00

(No Data)

1.0011

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052236

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

3 Family

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

4.6356

1.313

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

47.09

(No Data)

10958.53

(No Data)

Yes

(No Data)

Written VOE - 34 months;

(No Data)

436052237

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

3.9149

1.629

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

44.39

(No Data)

4282.08

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

436014519

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

4.9091

Yes

1.615

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

73.17

37.96

73.17

37.96

(No Data)

18749.93

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 48 months;
P & L - 12 months;

(No Data)

436052238

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9900

(No Data)

-6539.28

(No Data)

Yes

(No Data)

Yes

1500.00

1.1043

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

436052239

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR-Attached

Conventional

(No Data)

Purchase

(No Data)

Yes

4.0901

Yes

4.829

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

38.91

(No Data)

1970.13

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 24 months;

(No Data)

435789655

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

5.0342

10.746

(No Data)

-2120.79

(No Data)

Yes

2400.00

(No Data)

1.1317

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052240

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Rate and Term Refi

(No Data)

3.3574

Yes

2.486

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

28.43

(No Data)

7228.1

(No Data)

Yes

(No Data)

Written VOE - 34 months;

(No Data)

436014523

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.5000

Yes

(No Data)

29.69

(No Data)

50419.22

(No Data)

Yes

(No Data)

Yes

120

(No Data)

CPA Letter without Income - 120 months;
P & L - 23 months;

(No Data)

436052242

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0000

(No Data)

-2668.22

(No Data)

Yes

2100.00

(No Data)

1.0055

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052243

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.9431

7.887

(No Data)

-6653.56

(No Data)

436052244

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.6250

(No Data)

-4913.34

(No Data)

436052245

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.9087

7.462

(No Data)

-3321.76

(No Data)

435789659

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

3.6882

Yes

1.978

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

39.25

(No Data)

18261.23

(No Data)

Yes

(No Data)

Yes

132

(No Data)

CPA Letter without Income - 132 months;
P & L - 22 months;

(No Data)

436082680

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.2500

(No Data)

-2351.06

(No Data)

Yes

2700.00

(No Data)

1.1484

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435789661

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

4.4122

Yes

1.534

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

39.05

(No Data)

6621.24

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 23 months;

(No Data)

436082681

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.6250

(No Data)

46.02

(No Data)

19465.21

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

436052246

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

3.5895

1.581

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

48.86

(No Data)

5037.18

(No Data)

Yes

(No Data)

Yes

(No Data)

Lease Agreement - 12 months;
Written VOE - 30 months;

(No Data)

436052247

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.1681

11.094

(No Data)

-4020.53

(No Data)

Yes

3000.00

(No Data)

1.7050

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052248

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

3.7919

1.672

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.23

48.22

48.23

48.22

(No Data)

7257.04

(No Data)

Yes

(No Data)

Written VOE - 34 months;

(No Data)

436052249

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

3.6743

Yes

1.928

0.000

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

38.85

38.43

38.85

38.43

(No Data)

9462.51

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

436052250

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

5.2629

Yes

2.836

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

35.18

(No Data)

5873.24

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

436082682

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

3.6126

Yes

2.38

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

33.77

(No Data)

2516.7

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

436014529

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

3.9804

Yes

1.312

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

33.71

(No Data)

28232.33

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

436052251

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

2 Family

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

4.7433

Yes

2.767

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

40.23

39.97

40.23

39.97

(No Data)

6798.83

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436052252

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

5.3751

(No Data)

-10596.38

(No Data)

Yes

(No Data)

Yes

3200.00

1.0287

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

436052253

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

5.5001

(No Data)

-10625.95

(No Data)

Yes

(No Data)

Yes

2700.00

1.0210

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

436052254

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0135

(No Data)

-7216

(No Data)

Yes

2350.00

(No Data)

1.2822

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082683

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-1780.1

(No Data)

Yes

2100.00

(No Data)

1.1796

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052255

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

5.9907

2.092

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

46.88

(No Data)

7490.42

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 23 months;

(No Data)

436052256

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-7473.99

(No Data)

Yes

2400.00

(No Data)

1.2075

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052257

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0067

(No Data)

-1498.73

(No Data)

Yes

1900.00

(No Data)

1.2980

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052207

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.5541

6.213

(No Data)

43.02

(No Data)

26222.18

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;
P & L - 11 months;

(No Data)

436052258

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.7500

(No Data)

-1014.21

(No Data)

Yes

1400.00

(No Data)

1.4595

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052259

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

3.8004

Yes

2.877

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

28.23

29.37

28.23

29.37

(No Data)

6572.34

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 72 months;
P & L - 23 months;

(No Data)

436052260

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.9297

9.306

(No Data)

-2645.3

(No Data)

436082685

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

3.8187

2.218

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.32

(No Data)

3365.38

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 48 months;
P & L - 24 months;

(No Data)

436082686

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

3.5385

Yes

3.251

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

(No Data)

8522.47

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

436052209

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.7110

9.784

(No Data)

-14148.96

(No Data)

Yes

2350.00

(No Data)

1.1794

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435789670

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.2400

Yes

(No Data)

38.52

(No Data)

16344.48

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

436052261

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

3.8754

Yes

2.877

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

27.99

(No Data)

5432.68

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 23 months;

(No Data)

436082687

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.1857

(No Data)

-2017.09

(No Data)

436082688

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.8750

(No Data)

-3900.73

(No Data)

Yes

3950.00

(No Data)

1.0126

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052262

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

4.0048

1.644

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

47.51

47.3

47.51

47.3

47.31

(No Data)

4954.26

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436052263

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3750

(No Data)

-13167.07

(No Data)

436052264

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.1787

6.954

(No Data)

-3203.12

(No Data)

Yes

2800.00

(No Data)

0.8741

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052265

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0135

(No Data)

-1251.04

(No Data)

Yes

2000.00

(No Data)

1.7870

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052266

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

5.8094

Yes

1.676

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

39.34

(No Data)

16571.1

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436052267

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-3059.21

(No Data)

Yes

2535.00

(No Data)

1.3504

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082689

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-7838.17

(No Data)

Yes

(No Data)

Yes

3200.00

0.9503

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

436082690

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Rate and Term Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.1264

(No Data)

-1906.23

(No Data)

Yes

3850.00

2.1279

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

436052268

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-4988.17

(No Data)

Yes

1400.00

(No Data)

1.2784

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082691

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.8750

(No Data)

-826.58

(No Data)

Yes

950.00

(No Data)

1.1493

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052269

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.5980

6.885

(No Data)

-7604.74

(No Data)

436052270

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9900

(No Data)

-2983.23

(No Data)

Yes

2600.00

(No Data)

1.3187

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052271

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3708

7.088

(No Data)

-5268.17

(No Data)

436052272

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

4.6041

Yes

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

42.07

(No Data)

6268.45

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

436052273

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9480

(No Data)

-2674.51

(No Data)

Yes

3300.00

(No Data)

1.2665

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052274

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

Yes

(No Data)

Yes

3.9579

Yes

4.752

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

48.93

48.57

48.93

28.6

42.38

(No Data)

7385.8

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

436052275

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-2469.86

(No Data)

Yes

2400.00

(No Data)

1.2590

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052276

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-1945.96

(No Data)

Yes

1995.00

(No Data)

1.0657

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052277

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

3.5550

Yes

1.933

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

38.49

(No Data)

7924.36

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436052278

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.7052

9.711

(No Data)

-7082.14

(No Data)

436052279

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.1250

(No Data)

-42960.38

(No Data)

436052280

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-3728.52

(No Data)

Yes

3300.00

(No Data)

0.8851

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052215

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

4.9924

2.418

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

45.78

(No Data)

5232.21

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436052281

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3357

8.925

(No Data)

-2136.74

(No Data)

Yes

3000.00

(No Data)

1.4040

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052282

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

5.6067

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

48.71

48.7

48.71

48.7

(No Data)

5514.84

(No Data)

Yes

(No Data)

Written VOE - 34 months;

Written VOE - 35 months;

(No Data)

436052283

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.4900

(No Data)

-5498.74

(No Data)

Yes

4800.00

(No Data)

1.5893

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052284

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR-Attached

Conventional

(No Data)

Purchase

(No Data)

3.8963

Yes

1.654

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

22.4

(No Data)

43974.19

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 13 months;
CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

436052285

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0067

(No Data)

-2321.23

(No Data)

Yes

2550.00

(No Data)

1.1480

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052286

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

3.8095

Yes

4.483

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

31.69

(No Data)

4623.76

(No Data)

Yes

(No Data)

Yes

132

(No Data)

CPA Letter without Income - 132 months;
P & L - 23 months;

(No Data)

436052287

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

3.8639

Yes

2.478

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

39.24

(No Data)

11628.14

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

436052288

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

4.6599

Yes

3.152

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

30.19

(No Data)

12240.49

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

436082692

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-2532.1

(No Data)

Yes

3400.00

(No Data)

1.3491

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052289

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.1149

(No Data)

-3334.95

(No Data)

Yes

2600.00

(No Data)

1.2020

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052290

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3750

(No Data)

-5767.15

(No Data)

436052291

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0000

(No Data)

-4659.78

(No Data)

Yes

4200.00

(No Data)

0.9335

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082693

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

4.9069

Yes

1.298

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

25.97

(No Data)

17199.04

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

436052292

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

5.6198

Yes

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

42.18

(No Data)

11586.85

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 23 months;

(No Data)

436082694

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.4073

10.847

(No Data)

-4670.22

(No Data)

Yes

2700.00

(No Data)

1.6391

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082695

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-1775.69

(No Data)

Yes

2795.00

(No Data)

1.6290

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082696

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.7500

(No Data)

-3136.3

(No Data)

Yes

3570.00

(No Data)

1.1382

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052293

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

4.7337

Yes

2.472

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

42.47

(No Data)

3566.75

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436082697

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

3.8509

Yes

0.928

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

40.35

(No Data)

13209.9

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 23 months;

(No Data)

436082698

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.2500

(No Data)

-3266.64

(No Data)

Yes

2850.00

(No Data)

1.0699

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052294

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

36 mos interest on amt prepd >20% of OPB within 1st 12 mos

(No Data)

Yes

4.7500

11.4

(No Data)

-3353.54

(No Data)

436052295

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0067

(No Data)

-1735.66

(No Data)

Yes

1980.00

(No Data)

1.1407

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052296

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

5.8303

1.903

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

48.92

(No Data)

5865.89

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436052297

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

3.7526

1.443

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

47.99

(No Data)

4940.46

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436052298

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.2618

8.953

(No Data)

-5057.87

(No Data)

Yes

3100.00

(No Data)

1.3927

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082699

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.5000

(No Data)

48.36

(No Data)

14945.84

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

436082700

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.8620

11.712

(No Data)

-1800.66

(No Data)

Yes

1850.00

(No Data)

1.1551

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082701

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

4.1586

1.841

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

47.08

(No Data)

5483.98

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

436052299

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR-Attached

Conventional

(No Data)

Purchase

Yes

36 mos interest on amt prepd >20% of OPB within 1st 12 mos

(No Data)

Yes

3.8750

Yes

9.3

(No Data)

35.88

(No Data)

36633.77

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

436052300

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0657

(No Data)

-2683.12

(No Data)

Yes

2900.00

(No Data)

1.1005

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082702

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3750

(No Data)

-3350.65

(No Data)

Yes

2900.00

(No Data)

0.8655

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082703

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.2500

(No Data)

-3309.37

(No Data)

Yes

2835.00

(No Data)

0.8567

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082704

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3750

(No Data)

-1757.82

(No Data)

Yes

1900.00

(No Data)

1.0808

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052301

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.9900

(No Data)

-2328.7

(No Data)

Yes

3200.00

(No Data)

1.3741

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082705

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0722

(No Data)

-2078.19

(No Data)

Yes

2100.00

(No Data)

1.0105

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082706

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.6250

(No Data)

-1176.27

(No Data)

Yes

2350.00

(No Data)

1.9978

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082707

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Rate and Term Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.3568

8.662

(No Data)

-3416.88

(No Data)

Yes

3400.00

(No Data)

1.3365

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082708

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.8475

9.886

(No Data)

-3533.7

(No Data)

Yes

3500.00

(No Data)

1.2587

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052302

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0135

(No Data)

-1968.93

(No Data)

Yes

1680.00

(No Data)

1.0345

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082709

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-2315.27

(No Data)

Yes

2800.00

(No Data)

1.2093

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082710

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-15553.25

(No Data)

Yes

3400.00

(No Data)

1.2253

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052303

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.2907

9.13

(No Data)

-1344.21

(No Data)

Yes

2244.00

(No Data)

1.6694

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082711

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

5.3266

6.383

(No Data)

-27762.56

(No Data)

Yes

8000.00

(No Data)

0.7561

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082712

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

5.5001

(No Data)

-1919.17

(No Data)

Yes

2400.00

(No Data)

1.2506

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082713

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

3.6728

Yes

1.962

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

39.38

(No Data)

6038.84

(No Data)

Yes

(No Data)

Written VOE - 27 months;

(No Data)

436082714

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.1250

(No Data)

-4022.62

(No Data)

Yes

4242.00

(No Data)

1.0546

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082715

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Rate and Term Refi

(No Data)

3.9828

Yes

2.793

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

32.01

(No Data)

24748.64

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 48 months;
P & L - 12 months;

(No Data)

436082716

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Rate and Term Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.8750

(No Data)

-10459.9

(No Data)

436052304

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

3.7482

1.502

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

46.92

(No Data)

5414.05

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

436082717

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

4.0366

Yes

1.5

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

40.01

(No Data)

6298.47

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

436082718

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

3.4934

Yes

2.482

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

41.55

41.56

41.55

41.56

(No Data)

4002.57

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

436082719

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-2758.67

(No Data)

Yes

3000.00

(No Data)

1.0877

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082720

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.6250

(No Data)

-4568.35

(No Data)

436082721

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.3750

Yes

(No Data)

35.18

(No Data)

9722.26

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

431841872

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

5.9273

Yes

1.713

Unavailable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

14.67

14.66

14.67

15.17

14.4

14.66

(No Data)

128176.23

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter with Income - 1 months;
Personal Bank Statements - 12 months;

(No Data)

431841873

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

High Rise Condo (9+)

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

6.5435

Yes

1.778

Unavailable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

18.15

18.77

18.15

(No Data)

52338.81

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

431841993

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

6.9055

2.762

(No Data)

-2934.81

(No Data)

Yes

(No Data)

Yes

3000.00

1.0222

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 1 months;

(No Data)

431842044

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

6.7680

2.775

(No Data)

-10307.7

(No Data)

Yes

20000.00

(No Data)

1.9402

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

430061225

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

7.1313

Yes

2.569

Unavailable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

29.71

29.85

29.71

29.85

(No Data)

12772.74

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
Personal Bank Statements - 2 months;

(No Data)

436014541

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

2 Family

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0067

(No Data)

-3436.21

(No Data)

Yes

(No Data)

Yes

1800.00

2.0188

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 36 months;

(No Data)

436082722

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-1975.95

(No Data)

Yes

1930.00

(No Data)

1.0021

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435789629

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.2501

(No Data)

-9165.02

(No Data)

Yes

3675.00

(No Data)

1.2455

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435789630

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

3 Family

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.3750

(No Data)

-21223.33

(No Data)

Yes

7500.00

(No Data)

1.7530

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435380817

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.0000

(No Data)

-2300.85

(No Data)

Yes

2400.00

(No Data)

1.0686

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435874039

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9480

(No Data)

-2395.76

(No Data)

Yes

2610.00

(No Data)

1.1174

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435874040

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-3464.81

(No Data)

Yes

2950.00

(No Data)

1.1910

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436082723

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

4.1150

(No Data)

-14906.1

(No Data)

Yes

2800.00

(No Data)

1.1014

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435874041

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-3882.33

(No Data)

Yes

1740.00

(No Data)

1.0161

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436049942

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.2500

(No Data)

-6004.48

(No Data)

Yes

(No Data)

Yes

1650.00

1.0836

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

435789634

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.9480

(No Data)

-5693.85

(No Data)

Yes

2750.00

(No Data)

1.1921

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

435874044

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0067

(No Data)

-4647.23

(No Data)

Yes

2100.00

(No Data)

1.2953

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052305

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.7500

(No Data)

-2429.96

(No Data)

Yes

2125.00

(No Data)

1.3182

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436052307

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.9480

(No Data)

-5344.67

(No Data)

Yes

(No Data)

Yes

1820.00

1.0012

(No Data)

DSCR - w/lease agreement - 0 months;
Lease Agreement - 12 months;

(No Data)

436052308

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.0000

(No Data)

-1862.79

(No Data)

Yes

1600.00

(No Data)

1.6532

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436290631

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.7500

(No Data)

-2644.43

(No Data)

Yes

2000.00

(No Data)

1.2162

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436093441

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.7500

(No Data)

-3057

(No Data)

Yes

2000.00

(No Data)

1.2878

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436290695

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.5000

(No Data)

-4814.13

(No Data)

436290632

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.7500

(No Data)

-4166.76

(No Data)

Yes

2500.00

1.2604

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

436290696

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.7500

(No Data)

-4170.97

(No Data)

Yes

2250.00

(No Data)

1.1134

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436093442

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

3.8750

(No Data)

-2713.16

(No Data)

Yes

3040.00

(No Data)

1.1415

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436290633

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB

(No Data)

Yes

4.5000

(No Data)

-20056.31

(No Data)

Yes

2150.00

(No Data)

1.0331

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436290634

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4% of Amt Prepd > 20% of OPB if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

4.6250

3.2

(No Data)

-4010.61

(No Data)

436614256

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

4.5283

3.153

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.3

(No Data)

5428.86

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

436290697

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-2586.82

(No Data)

Yes

2550.00

(No Data)

1.0026

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436290698

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.8750

(No Data)

-2264.1

(No Data)

Yes

2250.00

(No Data)

1.0698

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436290699

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2%, 1% of amount prepaid in years 1-4

(No Data)

Yes

3.7500

(No Data)

-1293.02

(No Data)

Yes

2450.00

(No Data)

1.9552

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

436480466

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

4.7711

2.996

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

46.54

44.84

46.54

44.84

(No Data)

2564.78

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

436544257

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

5.0962

Yes

1.521

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

40.67

(No Data)

5191.03

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

431842241

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

Yes

Purchase

(No Data)

Yes

8.0870

Yes

3.113

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

37.94

37.57

37.97

37.57

(No Data)

7690.04

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter with Income - 24 months;
Personal Bank Statements - 12 months;

(No Data)

431842051

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Not Provided

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

8.1808

Yes

1.261

Unavailable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

22.28

(No Data)

4998.64

(No Data)

Yes

(No Data)

Personal Bank Statements - 12 months;

(No Data)

431841919

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

8.7076

Yes

1.374

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

40.68

40.69

40.68

40.69

(No Data)

1002.27

(No Data)

Yes

(No Data)

Personal Bank Statements - 12 months;

(No Data)

431841925

XXXXXX

XXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

7.5559

Yes

0.294

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

42.39

42.7

42.39

42.7

(No Data)

4300.96

(No Data)

Yes

(No Data)

Yes

(No Data)

Award Letter - 12 months;
Personal Bank Statements - 12 months;

(No Data)

430061419

XXXXXX

XXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

6.6573

2.713

(No Data)

-1122.95

(No Data)

Yes

1240.00

(No Data)

1.1040

(No Data)

Yes

(No Data)

Business Bank Statements - 2 months;
DSCR - w/rent schedule - 0 months;

(No Data)

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