EX-99.2 9 exhibit992-2.htm EXHIBIT 99.2, SCHEDULE 2 - ATR OR QM REPORT
ALT 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?
20250304006
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
1590.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304036
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
1615.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304044
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
1595.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304019
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
17419.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304018
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
11962.5
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304014
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
11631.66
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304030
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
18220.7
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304039
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
10518.6
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304062
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
11699.25
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304007
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
10347.74
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304059
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
11569.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Retired
  
No
  
No
  
20250304004
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
16167.5
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304060
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
13419.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
20250304029
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
21789.8
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Retired
  
No
  
No
  
20250304066
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
11529.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304063
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
15415.4
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304050
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
22394.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304057
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
11939.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304046
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
6321.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304052
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
9194.86
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304034
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
9855.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304042
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
11981.68
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304016
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
11399.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304026
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
22743.73
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304021
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
9445.58
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304065
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
8160.88
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304048
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
12845.56
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304049
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
22730.96
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304008
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
6221.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304013
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
15536.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304027
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
16960.58
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304012
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
9474.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304035
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
9844.5
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304011
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
16894.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304024
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
14174.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
20250304064
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
15499.6
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304053
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
2733.74
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304043
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
9366.75
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304045
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
795.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304055
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
10081.88
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304031
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
1495.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
Employed
No
No
No
  
20250304061
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
1459.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304047
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
1095.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
20250304010
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
0.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304041
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
8260.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
20250304020
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
1450.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304003
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
2039.2
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304028
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
12981.45
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304015
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
4855.2
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304040
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
4921.8
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304056
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
4435.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Retired
  
No
  
No
  
20250304054
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
1690.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304058
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
2799.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304038
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
0.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304037
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
0.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304005
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
12704.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Not Employed
Employed
No
No
No
  
20250304032
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
11455.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304033
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
11732.5
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304023
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
10765.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304009
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
7017.5
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304051
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
5970.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304001
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
1220.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
20250304002
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
30340.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
20250304022
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
895.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
20250304025
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
19934.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
20250304017
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
1499.0
XXX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No