| Incenter Loan ID |
Client 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? |