EX-99.2 10 exhibit992-2.htm SCHEDULE 2 - ATR REPORT

Loan ID
Investor Loan ID
Lender Application Date
Originator QM Status
Final QM Status
Originator QM Status Difference than Final QM Status?
Reason Why NonQM Final Status
APR Pricing Threshold Exceeded?
QM DTI Threshold Exceeded?
Higher Priced Mortgage Loan (HPML)?
Negatively Amortizing Loan?
Principal Deferment?
Interest Only Flag?
Prepayment Penalty?
Balloon Flag?
Adjustable Rate Balloon?
Loan Term Less Than 5 Years?
QM Points and Fees Threshold Exceeded?
QM Total Points and Fees
APR
ATR: Qualifying Payment Properly Considered?
ATR: Current Employment/Self-Employment Verified?
ATR: Balloon Qualifying Payment Properly Considered?
ATR: Reasonable Income or Assets Considered?
ATR: Subject PITIA Adequately Documented?
ATR: All Liabilities Including Alimony and Child Support in DTI?
ATR: Simultaneous Loan Calculated Properly
ATR: Credit History was Considered Properly?
ATR: Did Lender Document All ATR Factors?
ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?
Residual Income
Residual Income Meets Guidelines?
Borrower 1 Employment Indicator
Borrower 2 Employment Indicator
Borrower 1 Foreign National Indicator
Borrower 2 Foreign National Indicator
Business Purpose Loan?
Business Purpose Verified?
50663939
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)  
QM: Average Prime Offer Rate (APOR)  
No
  
No
No
No
No
  
No
No
No
No
No
No
15946.33
7.515
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
45119482
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
10083.0
7.837
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
76319151
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
8839.08
8.46
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
32081066
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
12062.7
8.193
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
Retired
No
No
No
  
90264849
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
8288.0
8.081
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Not Employed
No
No
No
  
85211198
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
22462.4
7.601
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
  
No
  
No
  
32481365
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
5895.85
7.615
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
74476647
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
8286.25
7.961
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
90644257
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
5887.81
7.862
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
11253350
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
1395.0
7.396
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
96524360
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
2856.94
7.802
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
Not Employed
No
No
No
  
31492814
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6395.69
7.98
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
82072178
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
1465.0
7.661
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Not Employed
Employed
No
No
No
  
15147574
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
6253.1
7.445
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
40251394
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
7656.25
7.688
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
  
No
  
No
  
93665086
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
8510.63
8.194
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
67176723
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
2719.7
7.055
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
22372061
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
5.8
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
47309228
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
5.542
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
49589133
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
1070.16
7.577
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Not Employed
No
No
No
  
54082262
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
6.95
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
34320790
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
6.025
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
32443675
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
6.051
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
47191565
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6761.0
7.834
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
20715605
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6736.09
8.302
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
  
No
  
No
  
77682891
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6120.0
7.082
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
43302578
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6628.57
7.95
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
46896224
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
2474.88
7.468
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
98074628
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
3987.4
7.993
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
40380818
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
2762.5
8.281
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
79234275
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
9500.0
7.412
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
Not Employed
No
No
No
  
36263511
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
7.036
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Self-Employed
No
No
No
  
76606610
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
3038.82
7.775
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
39689332
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
6.036
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
Self-Employed
No
No
No
  
30549067
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
6.02
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
86724714
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
0.0
6.899
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
88806929
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
6.031
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
12794629
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
695.4
7.416
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
46872240
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
5880.25
7.628
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
  
No
  
No
  
79435433
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
7875.0
7.9
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
  
No
  
No
  
14093376
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
11570.0
7.887
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
47681252
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
4195.0
7.932
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Not Employed
No
No
No
  
25043469
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
7966.35
8.155
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
56700228
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
7371.88
7.424
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72353549
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
7844.0
8.311
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
Employed
No
No
No
  
34116479
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
10230.0
7.455
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
43741903
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
5038.75
7.434
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
55144538
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
1297.05
6.421
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
86348815
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
3990.12
7.62
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
61231696
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
5505.74
7.677
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
48331654
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
3895.0
7.582
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
67227098
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
6.044
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
45440265
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
8436.02
7.938
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
43373445
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
11350.5
7.746
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
  
No
  
No
  
15990892
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
9705.0
7.947
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
Employed
No
No
No
  
11366348
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
13400.5
8.158
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
  
No
  
No
  
18399527
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6365.0
7.924
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
57498380
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
Yes
6112.16
8.063
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
73184244
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
10081.25
8.299
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Retired
Self-Employed
No
No
No
  
50944104
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
9508.46
8.513
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
26090819
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
5670.0
8.496
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
98893424
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
6324.38
8.349
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Self-Employed
No
No
No
  
39621016
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
3220.0
8.263
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
  
No
  
No
  
89186560
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
11150.13
7.895
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
13200142
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
7565.0
7.938
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
34508496
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
1528.0
7.841
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
95210156
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
2530.65
7.656
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Retired
Employed
No
No
No
  
47782910
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
6.019
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
86550955
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
1651.24
6.054
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
60346518
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
0.0
7.99
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
  
No
  
No
  
81212845
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
824.65
7.109
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
67562330
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6684.0
7.999
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
  
No
  
No
  
75050766
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
17680.46
7.924
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
Not Employed
No
No
No
  
61336502
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
3341.8
7.712
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
17330088
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
10133.69
7.867
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
74547255
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
5326.0
7.168
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
23219341
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
11291.42
7.957
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Not Employed
Self-Employed
No
No
No
  
53860305
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
16159.5
7.722
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
42230522
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
10727.0
8.387
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
  
No
  
No
  
62612705
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
7925.0
8.555
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
11397631
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
7776.0
7.822
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
Not Employed
No
No
No
  
11697301
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
Yes
6683.84
8.426
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
74970196
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
9132.0
8.306
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
56641911
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
9852.95
7.852
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
  
No
  
No
  
54789332
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6172.5
7.861
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Retired
Retired
No
No
No
  
11843383
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
1195.0
6.053
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
82831432
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6930.25
8.386
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
57304483
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
1256.1
8.469
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
91842364
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
8182.6
8.088
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
  
No
  
No
  
68241548
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
2823.13
7.684
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
  
No
  
No
  
53083236
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
125.0
8.186
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
  
No
  
No
  
93129905
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
2672.25
7.878
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
  
No
  
No
  
35839778
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
10384.38
8.212
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Self-Employed
Self-Employed
No
No
No
  
29365438
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
1295.0
8.191
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Self-Employed
No
No
No
  
39061698
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
5969.95
7.954
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
16956110
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
2501.05
7.052
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Not Employed
No
No
No
  
97311483
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
1285.0
6.561
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
81898420
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
6438.8
8.557
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
43232523
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
2549.6
6.561
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
34615373
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
4766.19
7.49
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
  
No
  
No
  
89672755
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
909.9
5.999
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Not Employed
No
No
No
  
97501002
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
8706.25
8.203
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
  
No
  
No
  
15565201
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
10217.63
8.183
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Self-Employed
  
No
  
No
  
45211720
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
4255.09
8.115
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
68593895
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
8175.0
8.42
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Retired
No
No
No
  
61038410
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
Yes
5322.81
6.879
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
  
N/A
Employed
Employed
No
No
No
  
69878653
  
XX/XX/XXXX
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
4380.0
7.768
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No