Loan ID Seller Loan ID Redaction 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?
XXXX XXXX 257NQM0079 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0724 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 4896 7.329 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3558.26 Yes Employed   No   No  
XXXX XXXX 257NQM0862 XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt No   No Yes No No No No No No No No Yes 22555 7.358 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8051.33 Yes Employed   No   No  
XXXX XXXX 257NQM0716 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 5340 7.868 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25261.32 Yes Not Employed Not Employed No No No  
XXXX XXXX 257NQM0748 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 4114.25 7.242 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13229 Yes Employed Employed No No No  
XXXX XXXX 257NQM0740 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 18240 7.131 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11911.88 Yes Employed   No   No  
XXXX XXXX 257NQM0771 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0729 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0746 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 53632 7.616 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 44548.53 Yes Employed   No   No  
XXXX XXXX 257NQM0741 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0747 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 151331.69 Yes Employed   No   Yes Present
XXXX XXXX 257NQM0709 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0728 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0743 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 347504.47 N/A Employed   No   Yes Present
XXXX XXXX 257NQM0776 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 10424.19 N/A Employed   No   Yes Present
XXXX XXXX 257NQM0785 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 1475 7.456 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5115.71 Yes Employed Not Employed No No No  
XXXX XXXX 257NQM0722 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 13404.6 8.09 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11775.47 Yes Employed Employed No No No  
XXXX XXXX 257NQM0768 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 5915 7.346 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3817.47 Yes Employed   No   No  
XXXX XXXX 257NQM0834 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 1499 7.401 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15928.25 Yes Employed   No   No  
XXXX XXXX 257NQM0723 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0801 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 7145 8.099 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12522.82 Yes Employed   No   No  
XXXX XXXX 257NQM0865 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 5337 N/A Employed   No   Yes Present
XXXX XXXX 257NQM0859 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0744 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 146690.88 N/A Employed   No   Yes Present
XXXX XXXX 257NQM0815 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 17990 6.861 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26492.25 Yes Employed Employed No No No  
XXXX XXXX 257NQM0805 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 11820 7.45 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3697.34 Yes Employed   No   No  
XXXX XXXX 257NQM0789 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 10243.94 N/A Employed   No   Yes Present
XXXX XXXX 257NQM0835 XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 5699 8.641 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7180.09 Yes Employed Employed No No No  
XXXX XXXX 257NQM0799 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 1980 7.304 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 366627.21 Yes Employed Employed No No No  
XXXX XXXX 257NQM0766 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 13666.4 8.133 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 122689.03 Yes Employed   No   No  
XXXX XXXX 257NQM0758 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 146273.29 N/A Employed Not Employed No No Yes Present
XXXX XXXX 257NQM0779 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 14715 7.097 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31095.78 Yes Employed   No   No  
XXXX XXXX 257NQM0791 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 11337.5 7.72 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 66713.89 Yes Employed   No   No  
XXXX XXXX 257NQM0827 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 8688.75 8.595 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12923.9 Yes Employed   No   No  
XXXX XXXX 257NQM0800 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0778 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0823 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1590 7.415 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 479998.94 Yes Employed   No   No  
XXXX XXXX 257NQM0806 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX XXXX 257NQM0866 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 7946.5 9.08 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8011.25 Yes Employed   No   No  
XXXX XXXX 257NQM0841 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0819 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No Yes No No No Yes No No No No No 1640 7.137 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18011.23 Yes Employed   No   No  
XXXX XXXX 257NQM0832 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 9378.88 6.955 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3266.49 Yes Employed   No   No  
XXXX XXXX 257NQM0821 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 72156.54 N/A Employed Employed No No Yes Present
XXXX XXXX 257NQM0081 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 15445 7.887 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 14869.01 Yes Employed Employed No No No  
XXXX XXXX 257NQM0807 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0845 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 1847123.13 N/A Employed   No   Yes Present
XXXX XXXX 257NQM0833 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX XXXX 257NQM0844 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 22064.81 Yes Employed   No   Yes Present
XXXX XXXX 257NQM0838 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0864 XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 3122 8.713 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23498.78 Yes Employed   No   No  
XXXX XXXX 257NQM0080 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0092 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
XXXX XXXX 257NQM0086 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 9425 7.783 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 12469.09 Yes Not Employed Employed No No No  
XXXX XXXX 257NQM0860 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 14295 7.542 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 78085.07 Yes Employed   No   No  
XXXX XXXX 257NQM0090 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0852 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX XXXX 257NQM0853 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0843 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX XXXX 257NQM0840 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0848 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1590 7.512 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39791.35 Yes Employed   No   No  
XXXX XXXX 257NQM0849 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0857 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 3694 6.978 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9358.05 Yes Not Employed Employed No No No  
XXXX XXXX 257NQM0091 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 6355 7.68 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7952.16 Yes Employed   No   No  
XXXX XXXX 257NQM0087 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A     No   Yes Present
XXXX XXXX 257NQM0093 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 115692.57 Yes Employed   No   Yes Present
XXXX XXXX 257NQM0082 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
XXXX XXXX 257NQM0089 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 16716.6 7.727 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21446.66 Yes Employed   No   No  
XXXX XXXX 257NQM0084 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 31625 7.743 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 16329.38 Yes Employed Employed No No No  
XXXX XXXX 257NQM0858 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0083 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
XXXX XXXX 257NQM0085 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A Yes N/A Yes N/A Yes N/A Yes Yes N/A 3543.42 Yes Not Employed Employed No No Yes Present
XXXX XXXX 257NQM0088 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 9791 8.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18551.95 Yes Employed   No   No  
XXXX XXXX 257NQM0371 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0370 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 74882.19 Yes Employed   No   Yes Present
XXXX XXXX 257NQM0372 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 257NQM0871 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 21495 7.863 Yes Yes N/A Yes Yes Yes N/A Yes N/A Yes 41884.92 N/A Employed   No   No