MFA 2025-NQM3 Trust ABS-15G

Exhibit 99.09

 

Loan ID Redaction 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?
XXXX 424945 XXXX 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 478149 XXXX 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         Yes   Yes Present
XXXX 478827 XXXX 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 172860.29 Yes Employed   No   Yes Present
XXXX 484238 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       Yes N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
XXXX 489092 XXXX 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 2159272.63 Yes Employed   No   Yes Present
XXXX 489099 XXXX 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 30175 7.314 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 41462.97 Yes Employed   No   No  
XXXX 490284 XXXX 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 490348 XXXX 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 Yes Yes 2159272.63 Yes Employed   No   Yes Present
XXXX 491238 XXXX 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 504875 XXXX 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 510260 XXXX 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 512532 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No Yes 22618.7 9.999 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9236.29 Yes Employed Employed No No No  
XXXX 513691 XXXX 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         No   Yes Present
XXXX 514537 XXXX 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         No No Yes Present
XXXX 517571 XXXX 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 12336.73 9.516 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8282.14 Yes Employed   No   No  
XXXX 518076 XXXX 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 518605 XXXX 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 Yes 8487.51 10.289 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 7858.43 Yes Employed   No   No  
XXXX 519398 XXXX 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 Yes 5975 9.768 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2712.35 No Employed   No   No  
XXXX 521579 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes N/A N/A N/A N/A N/A N/A 156092.73 Yes Employed Not Employed No No Yes Present
XXXX 522118 XXXX 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 522602 XXXX 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 28355 7.765 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17996.25 Yes Employed   No   No  
XXXX 523161 XXXX 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 523421 XXXX 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 N/A N/A N/A Yes Yes 12815.93 Yes Employed   No   Yes Present
XXXX 523475 XXXX 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 523560 XXXX 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 524198 XXXX 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 5500 7.838 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5142.19 Yes Employed   No   No  
XXXX 525056 XXXX 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 18996.6 7.231 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 44172.92 Yes Employed   No   No  
XXXX 526940 XXXX 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 10474 7.436 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 40547.19 Yes Employed   No   No  
XXXX 527664 XXXX 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 527665 XXXX 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 11629.8 7.975 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13264.71 Yes Employed Employed No No No  
XXXX 530104 XXXX 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 203437.11 Yes Employed Employed No No Yes Present
XXXX 531125 XXXX 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 65161.64 N/A Employed   No   Yes Present
XXXX 532440 XXXX 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         No   Yes Present
XXXX 532443 XXXX 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 6995 7.851 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17867.2 Yes Employed   No   No  
XXXX 533777 XXXX 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         No   Yes Present
XXXX 533779 XXXX 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 Yes N/A Yes N/A N/A 4239.12 Yes Employed   No   Yes Present
XXXX 533780 XXXX 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 533781 XXXX 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 17065 8.351 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31863.51 Yes Employed   No   No  
XXXX 535474 XXXX 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 11235.64 7.836 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6505.38 Yes Employed Not Employed No No No  
XXXX 536648 XXXX 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 Yes N/A N/A N/A N/A 425241.9 Yes Employed Not Employed No No Yes Present
XXXX 536649 XXXX 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 11914 8.311 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4723.37 Yes Employed Employed No No No  
XXXX 537967 XXXX 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 38731 7.882 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24880.66 Yes Employed   No   No  
XXXX 537972 XXXX 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 1995 8.018 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23511.71 Yes Employed   No   No  
XXXX 538996 XXXX 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 8877.66 7.723 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5489.73 Yes Employed   No   No  
XXXX 538998 XXXX 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 10995 7.734 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 96462.72 N/A Employed   No   No  
XXXX 540549 XXXX 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 540550 XXXX 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 15070 8.221 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19974.48 Yes Employed   No   No  
XXXX 543944 XXXX 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 6411 6.956 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47319.29 Yes Not Employed Employed No No No  
XXXX 543946 XXXX 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 7999.39 Yes Employed   No   Yes Present
XXXX 544928 XXXX 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 547206 XXXX 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 20795 8.497 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8189.36 Yes Employed   No   No  
XXXX 552706 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No Yes 6216 9.263 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3256.05 Yes Employed   No   No  
XXXX 552712 XXXX 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 34933.81 8.291 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26171.63 Yes Employed   No   No  
XXXX 554320 XXXX 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 555285 XXXX 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 Yes No No No No No No No Yes 7264.23 8.447 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26052.29 Yes Employed   No   No  
XXXX 563741 XXXX 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 15000 7.324 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21727.17 Yes Employed   No   No  
XXXX 566317 XXXX 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 4866.56 8.223 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 2958.49 Yes Employed   No   No