EX-99.2 10 exhibit992-2.htm SCHEDULE 2 - ATR REPORT
ALT 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?
2024101529
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101427
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Not Employed
No
No
Yes
Present
2024101413
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101500
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101466
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Not Employed
Employed
No
No
Yes
Present
2024101410
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Retired
No
No
Yes
Present
2024101439
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101428
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101447
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Retired
No
No
Yes
Present
2024101553
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
  
No
  
Yes
Present
2024101509
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
Employed
No
No
Yes
Present
2024101510
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
  
No
  
Yes
Present
2024101477
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101501
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
Retired
No
No
Yes
Present
2024101515
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
Employed
No
No
Yes
Present
2024101547
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101404
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
3465.0
7.769
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
2024101414
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101535
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
Yes
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Retired
No
No
Yes
Present
2024101505
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101517
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Retired
  
No
  
Yes
Present
2024101576
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101415
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101435
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101434
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
Retired
No
No
Yes
Present
2024101595
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101583
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101476
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101467
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101508
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101557
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101481
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
No
Yes
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101580
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101555
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101566
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101488
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101403
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101599
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101445
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101424
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101534
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101506
XX/XX/XXXX
ATR/QM: Exempt
QM: Safe Harbor APOR (APOR SH)
Yes
  
No
No
No
No
No
No
No
No
No
No
No
1425.0
7.721
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Retired
  
No
  
No
  
2024101494
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101443
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101542
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
Yes
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101441
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101504
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101430
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101442
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101437
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101530
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101463
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101444
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101597
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
Retired
No
No
Yes
Present
2024101495
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101486
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101418
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101586
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
Yes
Yes
N/A
Yes
Yes
N/A
N/A
Yes
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101507
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101449
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101436
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101575
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
No
No
Not Tested
No
No
No
No
No
No
No
Yes
0
0
N/A
Yes
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101569
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101554
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101522
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101512
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101425
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101598
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
Retired
No
No
Yes
Present
2024101533
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101416
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101407
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101411
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101478
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101572
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101473
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101584
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101549
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101431
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101564
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101519
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
Yes
Yes
N/A
No
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101514
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101582
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101429
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Not Employed
Employed
No
No
Yes
Present
2024101539
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101453
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101520
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101474
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101541
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101493
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101571
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
Yes
N/A
No
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101573
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101526
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101459
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101465
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101458
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101552
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101524
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101531
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101421
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101523
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101558
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101451
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101448
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101417
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101528
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
Yes
Yes
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101568
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101525
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
Retired
No
No
Yes
Present
2024101545
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101560
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101457
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101596
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101454
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101483
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Not Employed
No
No
Yes
Present
2024101408
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Not Employed
No
No
Yes
Present
2024101587
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101513
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101540
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101433
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
  
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101498
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101565
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101482
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Yes
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101475
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101423
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101536
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101462
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Not Employed
  
No
  
Yes
Present
2024101551
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101602
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
Retired
No
No
Yes
Present
2024101446
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Not Employed
No
No
Yes
Present
2024101543
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101567
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Not Employed
Employed
No
No
Yes
Present
2024101594
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Not Employed
Employed
No
No
Yes
N/A
2024101503
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Not Employed
Employed
No
No
Yes
Present
2024101581
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101589
XX/XX/XXXX
QM: Safe Harbor GSE Temporary (GSE SH)
QM: Safe Harbor GSE Temporary (GSE SH)
No
    
Yes
No
No
No
No
No
No
No
No
No
7955.94
4.325
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
Employed
No
No
No
  
2024101464
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Retired
  
No
  
Yes
Present
2024101579
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Retired
  
No
  
Yes
Present
2024101461
XX/XX/XXXX
QM: Safe Harbor GSE Temporary (GSE SH)
QM: Safe Harbor GSE Temporary (GSE SH)
No
    
No
No
No
No
No
No
No
No
No
No
4700.0
3.942
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
2024101601
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101487
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101546
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
N/A
2024101511
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101422
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Not Employed
No
No
Yes
N/A
2024101469
XX/XX/XXXX
QM: Safe Harbor GSE Temporary (GSE SH)
QM: Safe Harbor GSE Temporary (GSE SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
4897.5
4.088
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
2024101521
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
N/A
2024101563
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
N/A
2024101600
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101405
XX/XX/XXXX
QM: Safe Harbor GSE Temporary (GSE SH)
QM: Safe Harbor GSE Temporary (GSE SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
4835.0
4.122
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Not Employed
Employed
No
No
No
  
2024101548
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Not Employed
No
No
Yes
Present
2024101406
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
No
Yes
Not Tested
No
No
No
No
No
No
No
No
0
0
Yes
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101499
XX/XX/XXXX
QM: Safe Harbor GSE Temporary (GSE SH)
QM: Safe Harbor GSE Temporary (GSE SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
10589.38
4.058
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
  
No
  
No
  
2024101591
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101450
XX/XX/XXXX
QM: Safe Harbor GSE Temporary (GSE SH)
QM: Safe Harbor GSE Temporary (GSE SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
4195.0
4.391
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
Employed
No
No
No
  
2024101452
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Not Employed
  
No
  
Yes
Present
2024101490
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
No
No
Not Tested
No
No
No
No
No
No
No
No
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101578
XX/XX/XXXX
QM: Safe Harbor GSE Temporary (GSE SH)
QM: Safe Harbor GSE Temporary (GSE SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
6190.63
4.492
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
Employed
No
No
No
  
2024101484
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101561
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101544
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
Yes
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101420
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Not Employed
  
No
  
Yes
N/A
2024101491
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
N/A
2024101527
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Not Employed
  
No
  
Yes
Present
2024101456
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Not Employed
No
No
Yes
Present
2024101502
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
No
No
Not Tested
No
No
No
No
No
No
No
No
0
0
Yes
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101438
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
Not Tested
No
No
No
No
No
No
No
  
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Not Employed
No
No
Yes
Present
2024101570
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101518
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
N/A
2024101592
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101419
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101426
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101472
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101492
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101497
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101479
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101532
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101562
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101480
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
N/A
2024101516
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101440
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Retired
  
No
  
Yes
Present
2024101585
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101455
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
N/A
2024101556
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present
2024101468
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Not Employed
Employed
No
No
Yes
N/A
2024101471
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
Present
2024101409
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101470
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101489
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101593
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
N/A
2024101401
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101538
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101412
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
Employed
No
No
Yes
N/A
2024101402
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Not Employed
No
No
Yes
Present
2024101537
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Not Employed
No
No
Yes
N/A
2024101432
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
N/A
2024101559
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101577
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Retired
Employed
No
No
Yes
Present
2024101590
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101588
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
  
No
  
Yes
Present
2024101496
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101550
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
N/A
2024101485
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present
2024101460
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Not Employed
No
No
Yes
Present
2024101574
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
Yes
Not Tested
No
  
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
Yes
Employed
Employed
No
No
Yes
Present