EX-99.2 3 exhibit99-2.htm EXHIBIT 99.2 - ATR QM REPORT
Exhibit 99.2

Loan ID
Seller 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 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?
72981421
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982174
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981484
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981910
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981903
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981948
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982056
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72981342
    
04-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981425
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981758
    
06-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981684
    
10-XX-2017
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981674
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981459
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981817
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981667
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981619
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981858
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981952
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981457
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981852
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981645
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981742
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981465
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981526
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981671
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981950
    
02-XX-2020
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981987
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
ATR Risk: Non-QM Lender did not document all ATR UW Factors
Yes
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
No
No
Yes
0
N/A
Employed
Employed
No
No
No
  
72981328
    
04-XX-2020
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981405
    
10-XX-2020
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981324
    
04-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981738
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981334
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982082
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981616
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982175
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981801
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981441
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981427
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981392
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981635
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Not Employed
No
No
No
  
72982022
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982076
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981461
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982048
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981780
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981650
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981572
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982219
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
  
No
  
No
  
72981463
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982080
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981828
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981810
    
12-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981887
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982086
    
02-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981233
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982125
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72982220
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981314
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
Non-QM: Lender documented all ATR UW factors
Yes
QM Points and Fees Exceeded
No
No
No
No
  
No
No
No
No
No
Yes
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981612
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981589
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982170
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981665
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981393
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981549
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981755
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982202
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981396
    
06-XX-2023
QM: Average Prime Offer Rate (APOR)
ATR Risk: Non-QM Lender did not document all ATR UW Factors
Yes
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
No
No
0
N/A
Employed
Employed
No
No
No
  
72981756
    
01-XX-2020
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981601
    
01-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981379
    
03-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981310
    
12-XX-2020
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981868
    
11-XX-2020
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981918
    
03-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982016
    
02-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981622
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981658
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981481
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981325
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981577
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981970
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981525
    
09-XX-2021
QM: Rebuttable Presumption (RP)
Non-QM: Lender documented all ATR UW factors
Yes
APOR Threshold
Yes
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72982092
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72981709
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981654
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982097
    
09-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982003
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981669
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981790
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981474
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981754
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981250
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981720
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981850
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981863
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981321
    
11-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
  
No
  
No
  
72981298
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981662
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981973
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981656
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981591
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982197
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982036
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981263
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981579
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72981366
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981722
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72982166
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
ATR Risk: Non-QM Lender did not document all ATR UW Factors
Yes
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
No
N/A
Yes
Yes
Yes
Yes
Yes
No
Yes
0
N/A
Employed
Employed
No
No
No
  
72981696
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981909
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72982032
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981893
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981907
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981716
    
12-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981581
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981699
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981543
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981272
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981419
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981767
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981914
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981340
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
  
No
  
No
  
72981237
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
ATR Risk: Non-QM Lender did not document all ATR UW Factors
Yes
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
No
No
0
N/A
Employed
  
No
  
No
  
72981377
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982210
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981672
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Not Employed
No
No
No
  
72982014
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72982088
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981491
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Not Employed
No
No
No
  
72982190
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981830
    
12-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981692
    
12-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982033
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981523
    
06-XX-2023
QM: Average Prime Offer Rate (APOR)
ATR Risk: Non-QM Lender did not document all ATR UW Factors
Yes
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
No
Yes
Yes
No
Yes
0
N/A
Retired
Not Employed
No
No
No
  
72982203
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981762
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982128
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981477
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981538
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981460
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981951
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981693
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981276
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981434
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981566
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982034
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981238
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981403
    
03-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982158
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981714
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981869
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Not Employed
No
No
No
  
72981473
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981954
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981280
    
05-XX-2023
QM: Rebuttable Presumption (APOR)
QM: Rebuttable Presumption (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981862
    
06-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981921
    
10-XX-2020
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981796
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981514
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982177
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981631
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981836
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981861
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981240
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Employed
No
No
No
  
72981855
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Employed
No
No
No
  
72981424
    
03-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72982134
    
03-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981294
    
03-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981555
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982050
    
06-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981968
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982045
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981231
    
09-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72981706
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982228
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982002
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981542
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982118
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72981911
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982110
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981900
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
  
No
  
No
  
72982187
    
03-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981557
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981606
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981417
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981331
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981913
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982137
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982061
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981407
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981558
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982223
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981483
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981760
    
02-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981527
    
02-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981385
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981843
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981949
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982169
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982143
    
11-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981521
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981785
    
11-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981507
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981630
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981926
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981748
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981283
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982008
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981309
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981955
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Employed
No
No
No
  
72981889
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981860
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981368
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981303
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981878
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981607
    
11-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981891
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982139
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981268
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Retired
No
No
No
  
72982046
    
03-XX-2022
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981436
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981688
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72981857
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981746
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982126
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981768
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982019
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981399
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982144
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981567
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
  
No
  
No
  
72981724
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981726
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981284
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981640
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981966
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981859
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981694
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982018
    
11-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981802
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981882
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981271
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981773
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982057
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982147
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981458
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981480
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982162
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981311
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982229
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981881
    
01-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981653
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981428
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981731
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981770
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981961
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982059
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981553
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981866
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981437
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981821
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981604
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981686
    
11-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981864
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981327
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981475
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981884
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981287
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Employed
No
No
No
  
72982069
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981944
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981608
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Employed
No
No
No
  
72982184
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981356
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981940
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981260
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982075
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981919
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981814
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981369
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981673
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982192
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981333
    
02-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981355
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981867
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981305
    
02-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981729
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981301
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981499
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982180
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982030
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981443
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981414
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981344
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982116
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981981
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72982208
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981847
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981934
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981562
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981980
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981373
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981586
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981326
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981793
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981668
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982107
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981664
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981871
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981615
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
  
No
  
No
  
72982183
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982024
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981800
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981956
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72982181
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981989
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981306
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982152
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982077
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981996
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981288
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981239
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981398
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981897
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981277
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982017
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982148
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72982207
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981571
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981829
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981727
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981347
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981916
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981429
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981279
    
06-XX-2022
QM: GSE Temporary QM - SH
QM: Average Prime Offer Rate (APOR)
Yes
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981772
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Not Employed
No
No
No
  
72981805
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981500
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982193
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982004
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981518
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981580
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982136
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982113
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981410
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981711
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982198
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982217
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981647
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981453
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981908
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981349
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981707
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981975
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982085
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Retired
No
No
No
  
72981752
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981595
    
12-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981363
    
03-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982215
    
02-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981651
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981977
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981251
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981620
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981513
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981734
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981834
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981599
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981888
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981374
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981787
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982115
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981689
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981680
    
12-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981924
    
12-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981835
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981986
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72982072
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981701
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
  
No
  
No
  
72981605
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982102
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981844
    
06-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981313
    
04-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981593
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981739
    
09-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981388
    
10-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982047
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981972
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981971
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981296
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982083
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981879
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981307
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981332
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982109
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981529
    
06-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981371
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981375
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981472
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981982
    
04-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Employed
No
No
No
  
72981624
    
07-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981629
    
05-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981597
    
02-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981244
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982094
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981995
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981253
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981433
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982214
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981262
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981649
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72982074
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981300
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981637
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981939
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981452
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982201
    
06-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981936
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981308
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981733
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981409
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981634
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981293
    
07-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981522
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981339
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981849
    
08-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981289
    
08-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981775
    
04-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981886
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982067
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981856
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981592
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981938
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981822
    
06-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981946
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982009
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981498
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981779
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981329
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982025
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982150
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981568
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981778
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Not Employed
Employed
No
No
No
  
72981660
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981763
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981270
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981646
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982160
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981503
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981969
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981494
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981489
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981486
    
03-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982156
    
03-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982090
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981809
    
12-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981360
    
09-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981362
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Retired
No
No
No
  
72981670
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981295
    
05-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981957
    
03-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982164
    
02-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981771
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
  
No
  
No
  
72982054
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981816
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72982212
    
01-XX-2023
QM: Rebuttable Presumption (APOR)
QM: Rebuttable Presumption (APOR)
No
  
No
Yes
Yes
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981786
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982084
    
11-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72982020
    
12-XX-2021
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981338
    
02-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981636
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Retired
Employed
No
No
No
  
72981353
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981336
    
01-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72982010
    
09-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981546
    
10-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981482
    
03-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981873
    
08-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981401
    
02-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981490
    
07-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981927
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981792
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No
  
72981235
    
05-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
  
No
  
No
  
72981312
    
03-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72982035
    
11-XX-2022
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
Yes
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Not Employed
No
No
No
  
72981875
    
04-XX-2023
QM: Average Prime Offer Rate (APOR)
QM: Average Prime Offer Rate (APOR)
No
  
No
No
No
No
  
No
No
No
No
No
No
    
Yes
Yes
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
0
N/A
Employed
Employed
No
No
No