GS Mortgage-Backed Securities Trust 2025-NQM2
Exhibit 99.3 - Schedule 4
| Alt Loan ID | 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 DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 20250604006 | XXXX | XXXX | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | |||
| 20250604002 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 3740.75 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | No | No | ||||
| 20250604016 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Yes | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | |||
| 20250604017 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | No | No | No | No | No | No | No | No | No | 4858.76 | 7.85 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | No | No | ||||
| 20250604004 | XXXX | XXXX | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No | ||
| 20250604010 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | Yes | No | No | No | No | No | No | No | No | No | 3475.0 | 8.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | No | No | ||||
| 20250604007 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | ATR/QM: Exempt | Yes | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present | |
| 20250604014 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | ATR/QM: Exempt | Yes | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Not Employed | Employed | No | No | Yes | Present | |
| 20250604001 | XXXX | XXXX | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | No | No | ||||
| 20250604015 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | ATR/QM: Exempt | Yes | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | |||
| 20250604013 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | ATR/QM: Exempt | Yes | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present | |
| 20250604003 | XXXX | XXXX | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | No | Yes | Present | |||
| 20250604009 | XXXX | XXXX | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Not Employed | No | Yes | Present | |||
| 20250604008 | XXXX | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | No | No | No | No | No | No | No | No | No | No | No | 4696.8 | 8.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No | ||
| 20250604012 | XXXX | XXXX | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | No | No |