EXHIBIT 99.3
CLAYTON RATING AGENCY ATR QM DATA FIELDS
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC - PMTLT 2025-INV8 Securitization_J15916 | |
| Rating Agency ATR QM Data Fields | ||
| Loans in Report: | 368 | |
| Deal ID | Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
TRID Indicator |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2 Foreign National Indicator |
Borrowers Qualified Through a Non-Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | ||||||||||||||||||
| 1 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 2 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 3 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 4 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 5 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 6 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 7 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 8 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8365 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 9 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 10 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 11 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 12 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 13 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.125 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 14 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 9638 | XXXXXX | 7.3507 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 15 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 16 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 9525 | XXXXXX | 6.6199 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 17 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 18 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7416.13 | XXXXXX | 7.5466 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 19 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7669.25 | XXXXXX | 7.5423 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 20 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.499 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 21 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 22 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 23 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 24 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 25 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 12963 | XXXXXX | 6.9309 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 26 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 27 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 28 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 29 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7213 | XXXXXX | 7.6733 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 30 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 31 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.65 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 32 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 33 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 34 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 35 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 36 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 37 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 9019.25 | XXXXXX | 7.0563 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 38 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 39 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 40 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 41 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 42 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 9049.93 | XXXXXX | 7.6416 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 43 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5570.6 | XXXXXX | 6.5815 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 44 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5988 | XXXXXX | 6.9355 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 45 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.9206 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 46 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 47 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 6.5398 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 48 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 49 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1569 | XXXXXX | 7.0475 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 50 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6206.47 | XXXXXX | 8.2014 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 51 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 52 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8110.4 | XXXXXX | 6.2747 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 53 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7080.62 | XXXXXX | 6.2823 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 54 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5670.5 | XXXXXX | 7.1348 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 55 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 56 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 57 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.0671 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 58 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1988.12 | XXXXXX | 7.4533 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 59 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.7501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 60 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 61 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 62 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.9404 | Employed | Employed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 63 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 64 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 65 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 66 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 820 | XXXXXX | 7.0438 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 67 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 68 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 388.95 | XXXXXX | 6.5039 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 69 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 70 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 7.3086 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 71 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 72 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 73 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3719.88 | XXXXXX | 7.6814 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 74 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 75 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 76 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 77 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 78 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 15.1224 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 79 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1100.2 | XXXXXX | 7.1538 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 80 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 81 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 82 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3435.81 | XXXXXX | 7.3002 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 83 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 935 | XXXXXX | 7.3039 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 84 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 840 | XXXXXX | 7.2944 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 85 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 86 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 87 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 88 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| Deal ID | Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
TRID Indicator |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2 Foreign National Indicator |
Borrowers Qualified Through a Non-Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | ||||||||||||||||||
| 89 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 90 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 91 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 92 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2002.81 | XXXXXX | 6.7647 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 93 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 94 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 95 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 96 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1680 | XXXXXX | 7.4377 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 97 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 98 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 7.4216 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 99 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 100 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6647 | XXXXXX | 7.0905 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 101 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Unemployed | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 102 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8385 | XXXXXX | 6.5789 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 103 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 104 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1750 | XXXXXX | 7.6932 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 105 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 106 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2945.5 | XXXXXX | 7.7215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 107 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 108 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 109 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 110 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1475 | XXXXXX | 7.4596 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 111 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.125 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 112 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 113 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 114 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.4236 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 115 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 116 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 117 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 118 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1300 | XXXXXX | 7.3072 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 119 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5647.5 | XXXXXX | 7.2078 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 120 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.2019 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 121 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1350 | XXXXXX | 7.295 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 122 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8360 | XXXXXX | 7.3876 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 123 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1404.38 | XXXXXX | 7.355 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 124 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 125 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 9177.53 | XXXXXX | 7.4896 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 126 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Unemployed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 127 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 128 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 950 | XXXXXX | 7.1741 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 129 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5605 | XXXXXX | 6.7235 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 130 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3031.25 | XXXXXX | 6.7755 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 131 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 132 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 133 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 134 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 135 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2290 | XXXXXX | 7.4611 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 136 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 137 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1825 | XXXXXX | 6.9539 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 138 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 139 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 140 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4916.69 | XXXXXX | 7.0772 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 141 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 142 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 143 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4033.24 | XXXXXX | 8.505 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 144 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 145 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4131.42 | XXXXXX | 7.9523 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 146 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 147 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 148 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1795.92 | XXXXXX | 8.2968 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 149 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5515.45 | XXXXXX | 8.0883 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 150 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 151 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 152 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 153 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1894 | XXXXXX | 6.9521 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 154 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 8.0753 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 155 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1255 | XXXXXX | 7.1843 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 156 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 7.8665 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 157 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 158 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 159 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 160 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 161 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 162 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1698 | XXXXXX | 7.0135 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 163 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.6864 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 164 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.7306 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 165 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 166 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 167 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.9901 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 168 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8289.45 | XXXXXX | 7.3847 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 169 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7213.95 | XXXXXX | 7.3855 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 170 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 171 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 172 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 173 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 174 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1829 | XXXXXX | 6.6498 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 175 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 176 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1220 | XXXXXX | 7.0876 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 177 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1145 | XXXXXX | 7.0792 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| Deal ID | Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
TRID Indicator |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2 Foreign National Indicator |
Borrowers Qualified Through a Non-Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | ||||||||||||||||||
| 178 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2285 | XXXXXX | 7.1966 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 179 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1374 | XXXXXX | 7.3228 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 180 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2262.5 | XXXXXX | 7.102 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 181 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 182 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 183 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 184 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 185 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5492.05 | XXXXXX | 8.1006 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 186 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 187 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2780 | XXXXXX | 7.5785 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 188 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6029.26 | XXXXXX | 8.2079 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 189 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 190 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | Non-Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 191 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6251 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 192 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 193 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 194 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3643.69 | XXXXXX | 7.6743 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 195 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 196 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 375 | XXXXXX | 7.3904 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 197 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2049 | XXXXXX | 7.7186 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 198 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 199 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 200 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 0 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 201 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 202 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6233.7 | XXXXXX | 6.9138 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 203 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 204 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 205 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 206 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 207 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 208 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Retired | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 209 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3833.35 | XXXXXX | 7.417 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 210 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 211 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 12021.25 | XXXXXX | 7.1855 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 212 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4666.45 | XXXXXX | 7.9104 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 213 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.3487 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 214 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 215 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6712.75 | XXXXXX | 6.3782 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 216 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 217 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1415 | XXXXXX | 7.7828 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 218 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 219 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 220 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 221 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 222 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 223 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 224 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 225 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 226 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1250 | XXXXXX | 7.4993 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 227 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 228 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 229 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 230 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 231 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 232 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8392.5 | XXXXXX | 6.8426 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 233 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 234 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 235 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 236 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 237 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 238 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.8751 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 239 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2514.75 | XXXXXX | 6.5547 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 240 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 241 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 242 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 243 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 244 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 245 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 246 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 247 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 248 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 249 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.75 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 250 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.3751 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 251 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 252 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 253 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.6523 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 254 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 255 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 256 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 257 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 258 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 259 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 260 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 998 | XXXXXX | 7.9959 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 261 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 262 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 263 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 264 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 265 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 266 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 267 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 268 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3434.38 | XXXXXX | 7.0503 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 269 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 270 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 271 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.05 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 272 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.9901 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 273 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 274 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.825 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 275 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1840 | XXXXXX | 7.2959 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 276 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4190 | XXXXXX | 7.4041 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 277 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.575 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 278 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| Deal ID | Loan Number |
Loan Level ATR/QM Status |
Application Date Prior to 1/10/2014 |
TRID Indicator |
Lender Application Date |
Broker Application Date |
GSE Eligible |
QRM Flag |
ATR/QM Total Points and Fees |
Rate Lock Date |
APR | Bwr 1 Employment Indicator |
Bwr 2 Employment Indicator |
Bwr 1 Foreign National Indicator |
Bwr 2 Foreign National Indicator |
Borrowers Qualified Through a Non-Resident Alien Program |
Residual Income Analysis in File |
ATR/ QM Residual Income | ||||||||||||||||||
| 279 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 280 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 281 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 282 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 283 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.0751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 284 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 285 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 286 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 287 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 288 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4945 | XXXXXX | 7.1156 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 289 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 290 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 291 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7413 | XXXXXX | 7.3771 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 292 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 293 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 294 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 295 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1350 | XXXXXX | 7.0414 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 296 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.625 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 297 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 298 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 299 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 300 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.8097 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 301 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3426.4 | XXXXXX | 7.5504 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 302 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 303 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1460 | XXXXXX | 7.717 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 304 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 305 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3632.12 | XXXXXX | 7.889 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 306 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1580 | XXXXXX | 7.7687 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | ||||||||||||||||||
| 307 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 7.9674 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 308 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 309 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 310 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1730.48 | XXXXXX | 7.5084 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 311 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5 | Employed | Employed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 312 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 313 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.7985 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 314 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.8231 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 23478.51 | ||||||||||||||||||
| 315 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 316 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5092.4 | XXXXXX | 7.8286 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 317 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 318 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 319 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 320 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1794.95 | XXXXXX | 7.4471 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 321 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.25 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 322 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2367.38 | XXXXXX | 7.1657 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 323 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 324 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 325 | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6006.5 | XXXXXX | 7.4642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 326 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3906.7 | XXXXXX | 8.1641 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 327 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 328 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1806.32 | XXXXXX | 7.0938 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 329 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 330 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2680.5 | XXXXXX | 7.5937 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 331 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 332 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 333 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5930 | XXXXXX | 7.5519 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 334 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1473.5 | XXXXXX | 7.549 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 335 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1878.8 | XXXXXX | 8.0848 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 336 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 337 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 338 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.8948 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 339 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.8751 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 340 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 341 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 342 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.25 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 343 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 344 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2245 | XXXXXX | 7.182 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 345 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 346 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 347 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1717.5 | XXXXXX | 7.2966 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | ||||||||||||||||||
| 348 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Retired | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 349 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.49 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 350 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 351 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.9901 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 352 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 353 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 354 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 355 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3172.5 | XXXXXX | 7.4797 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 356 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4724.5 | XXXXXX | 8.107 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 357 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 358 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 359 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 360 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 361 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 362 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.3806 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 363 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 7.4313 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 364 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 365 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 10452.88 | XXXXXX | 7.1548 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | ||||||||||||||||||
| 366 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 367 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 | ||||||||||||||||||
| 368 | XXXXXX | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
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