GCAT 2022-NQM2 Trust ABS-15G/A
Exhibit 99.21
| Loan Number | LoanID | Last Name | Note Date | Original Loan Amount | QM Status | ATR Status | Initial Rating | Final Rating | Initial Credit Rating | Final Credit Rating | Initial Compliance Rating | Final Compliance Rating | Initial Property Valuation Rating | Final Property Valuation Rating | Initial Overall Grade(Moody's) | Final Overall Grade(Moody's) | Initial Credit Grade (Moody's) | Final Credit Grade (Moody's) | Initial Property Valuation Grade (Moody's) | Final Property Valuation Grade (Moody's) | Initial Compliance Grade (Moody's) | Final Compliance Grade (Moody's) | Initial Overall Grade (S&P) | Final Overall Grade (S&P) | Initial Credit Grade (S&P) | Final Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Final Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Compliance Grade (S&P) | Initial Overall Grade (Fitch) | Final Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Final Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Final Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Final Compliance Grade (Fitch) | Initial Overall Loan Grade (DBRS Morningstar) | Final Overall Loan Grade (DBRS Morningstar) | Initial Credit Grade (DBRS Morningstar) | Final Credit Grade (DBRS Morningstar) | Initial Property Valuation Grade (DBRS Morningstar) | Final Property Valuation Grade (DBRS Morningstar) | Initial Compliance Grade(DBRS Morningstar) | Final Compliance Grade(DBRS Morningstar) | Initial Overall Loan Grade (KBRA) | Final Overall Loan Grade (KBRA) | Initial Credit Grade (KBRA) | Final Credit Grade (KBRA) | Initial Property Valuation Grade (KBRA) | Final Property Valuation Grade (KBRA) | Initial Compliance Grade(KBRA) | Final Compliance Grade(KBRA) |
| XXXX | 436293757 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436293762 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293752 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293758 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436293764 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436293751 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B |
| XXXX | 436293766 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436293755 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293761 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293756 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436293763 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436293759 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436293760 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436293750 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293765 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436293754 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294014 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294015 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294016 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294017 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 436294018 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294019 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 436294020 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 436294021 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294022 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 436294023 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294024 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294025 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294026 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294027 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436294028 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436294054 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294030 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294031 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 436294032 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 436294033 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294034 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B |
| XXXX | 436294037 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294038 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436294040 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294041 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436294044 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436294048 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294050 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294053 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B |
| XXXX | 436294055 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294057 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294058 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294059 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294060 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294061 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 436294062 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294063 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294064 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 436294065 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 436294067 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294066 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B |
| XXXX | 436294068 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436294069 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436294071 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294073 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294072 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 436294074 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294075 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294076 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294235 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294247 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436294244 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294239 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294220 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294243 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294241 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436294242 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B |
| XXXX | 436294216 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294232 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B |
| XXXX | 436294225 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436294213 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436294215 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294211 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294230 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294219 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294223 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B |
| XXXX | 436294221 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 436294240 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294236 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436294231 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294248 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294222 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294229 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294227 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436294224 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436294226 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294238 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436294237 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B |
| XXXX | 436294217 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436294228 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436293768 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B |
| XXXX | 436293770 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B |
| XXXX | 437016616 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 437016617 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | 436293913 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293918 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293904 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 1 | 1 | 3 | 2 | 3 | 1 | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B |
| XXXX | 436293922 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | 436293915 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | 436293871 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293921 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B |
| XXXX | 436293896 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293927 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 436293906 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | 436293908 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293867 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | 436293930 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436293899 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 436293909 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293917 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293912 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | 436293956 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436293929 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436293901 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293902 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B |
| XXXX | 436293925 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293903 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436293920 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293924 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | 436293905 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293926 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | 436293872 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXX | 436293916 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293919 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | 436293911 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436293910 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A |
| XXXX | 436293900 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B |
| XXXX | 436293914 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B |
| XXXX | 436293928 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A |
| XXXX | 436293897 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293898 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B |
| XXXX | 436293869 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 437016618 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 436293873 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 436293923 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 437016615 | XXXX | XXXX | XXXX | Non-QM | ATR Compliant | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A |
| XXXX | 436293749 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B |
| XXXX | 437016602 | XXXX | XXXX | XXXX | N/A | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | |
| XXXX | 436293748 | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |