MORGAN STANLEY CAPITAL I INC ABS-15G

Exhibit 99.3 - Schedule 4

 

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 9066972 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 3778.88 9.035 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2351.65 N/A Employed   No   No  
XXXX XXXX 9146946 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 9173468 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 XXXX 9217000 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 9694040 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 9555123 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 11464.66 Yes Employed Not Employed No No Yes Present
XXXX XXXX 10104474 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 45425.43 Yes Employed Employed No No Yes Present
XXXX   10007528 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 11670.5 N/A Employed   No   Yes Present
XXXX   10007279 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 6534 7.11 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19179.5 Yes Employed   No   No  
XXXX   10007284 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No Yes No No Yes No No No No No 13644 8.163 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10555.84 Yes Employed   No   No  
XXXX XXXX 9846214 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 9846220 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 4480 7.564 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 4461.36 Yes Employed   No   No  
XXXX   10007527 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 22103.53 Yes Employed   No   Yes Present
XXXX   10007253 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 10864 7.824 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5396.53 Yes Employed Employed No No No  
XXXX   9896436 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   10007294 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 9244 7.658 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5697.77 Yes Employed   No   No  
XXXX   10007256 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 21504 7.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 295969.47 Yes Employed   No   No  
XXXX XXXX 9855595 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 9807866 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 7493.11 Yes Employed   No   Yes Present
XXXX XXXX 9917854 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 18286.46 Yes Employed   No   Yes Present
XXXX   10100946 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 7220.88 8.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6434.97 Yes Employed   No   No  
XXXX   10007251 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 6197.4 6.959 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3635.56 Yes Employed   No   No  
XXXX   10007486 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   10007540 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 38264.74 Yes Employed Employed No No Yes Present
XXXX   10007541 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 4474.2 Yes Employed   No   Yes Present
XXXX   10007424 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   10007450 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 XXXX 9895774 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 2872 6.907 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12857.58 Yes Employed   No   No  
XXXX   10101105 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         Yes   Yes Present
XXXX XXXX 9976782 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A Yes N/A Yes N/A Yes Yes Yes 59970.01 Yes Employed   No   Yes Present
XXXX XXXX 10005719 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 10026820 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 9895769 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 7560 6.998 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10552.06 Yes Employed Not Employed No No No  
XXXX XXXX 9976785 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 10005712 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   10026607 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 16821.25 7.606 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 91238.63 N/A Employed   No   No  
XXXX   10026609 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 Yes 36105.63 8.347 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25143.95 N/A Employed   No   No  
XXXX XXXX 9855598 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 13060.86 Yes Employed Employed No No Yes Present
XXXX   10026490 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 Yes No No No No No No No Yes 7003.75 8.037 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5927.22 Yes Employed   No   No  
XXXX   10101270 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 10066010 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 Yes Yes 15592.3 Yes Employed   No   Yes Present
XXXX XXXX 9895770 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes N/A Yes N/A Yes N/A N/A 34218.1 Yes Employed   No   Yes Present
XXXX XXXX 10085636 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 8145 7.032 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12552.02 N/A Employed   No   No  
XXXX XXXX 10005702 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 2390 6.903 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 15290.46 Yes Employed Employed No No No  
XXXX XXXX 10026823 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 6.78 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 16093.68 Yes Employed   No   No  
XXXX XXXX 9846227 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 0 6.882 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 13536.11 Yes Employed Employed No No No  
XXXX XXXX 10026836 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 9807843 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   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 38437.65 Yes Employed Not Employed No No Yes Present
XXXX XXXX 9976808 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 34232.42 Yes Employed Not Employed No No Yes Present
XXXX XXXX 10026819 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 51692.86 Yes Employed Employed No No Yes Present
XXXX XXXX 10085645 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 18209.55 N/A Employed   No   Yes Present
XXXX XXXX 9895783 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   10026565 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 24386.5 7.311 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14620.82 Yes Employed Employed No No No  
XXXX XXXX 10085632 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   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 12152.2 N/A Employed   No   Yes Present
XXXX XXXX 9895753 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 1680 7.166 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 129181.44 N/A Employed   No   No  
XXXX XXXX 10085635 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 10005718 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 10066024 XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender 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   10026446 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 10095 7.635 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5895.97 Yes Employed   No   No  
XXXX XXXX 10085643 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 20804.96 Yes Employed   No   Yes Present
XXXX XXXX 10066012 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 10026838 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 72504.39 Yes Employed Employed No No Yes Present
XXXX XXXX 10026834 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 16055.91 Yes Employed   No   Yes Present
XXXX XXXX 10066016 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 113876.45 Yes Employed   No   Yes Present
XXXX XXXX 10066011 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   10101430 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 10088636 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A Yes N/A Yes N/A Yes N/A N/A 323523.44 Yes Employed   No   Yes Present
XXXX XXXX 10085640 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 10099440 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 10005699 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 68983.46 Yes Employed   No   Yes Present
XXXX XXXX 10005700 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 68976.05 Yes Employed   No   Yes Present
XXXX XXXX 9694059 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   10026522 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 4330 7.311 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2073.35 Yes Employed   No   No  
XXXX XXXX 10085637 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 10066022 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 10005717 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 -6096.67 Yes Not Employed Not Employed No No Yes Present
XXXX XXXX 9895768 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 10066014 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 34141.98 Yes Employed   No   Yes Present
XXXX XXXX 10005704 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 10099441 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 30850.69 Yes Employed   No   Yes Present
XXXX XXXX 10026824 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 10026829 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 11707.06 Yes Employed Not Employed No No Yes Present
XXXX XXXX 9976784 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 10104475 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 4836 7.399 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 2814.86 Yes Employed Employed No No No  
XXXX XXXX 10066019 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 10066013 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 34179.81 Yes Employed   No   Yes Present
XXXX XXXX 10085631 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 39999.69 Yes Employed   No   Yes Present
XXXX XXXX 10099445 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 6633.7 Yes Employed Employed No No Yes Present
XXXX XXXX 10099439 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 10066005 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 34094.61 Yes Employed   No   Yes Present
XXXX XXXX 10104469 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 0 6.096 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5638.37 Yes Employed Not Employed No No No  
XXXX XXXX 10110691 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 5182.34 Yes Employed Not Employed No No Yes Present
XXXX XXXX 10099438 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 10916.7 Yes Employed Employed No No Yes Present
XXXX   10026646 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 7095 6.792 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22187.78 N/A Employed Employed No No No  
XXXX XXXX 10026812 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 5010.42 Yes Retired   No   Yes Present
XXXX   10110972 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 37465 6.857 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 42056.09 Yes Employed Not Employed No No No  
XXXX XXXX 10099444 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 10085627 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 31726.82 Yes Employed Employed No No Yes Present
XXXX   10110961 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 10085644 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 43581.07 Yes Employed Employed No No Yes Present
XXXX   10110783 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 11693.5 6.589 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22177.53 N/A Employed   No   No  
XXXX XXXX 10110703 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 7570 7.399 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12355.83 Yes Employed   No   No  
XXXX XXXX 10110698 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 191645.1 Yes Employed   No   Yes Present
XXXX XXXX 10146812 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   10110769 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 12755.56 7.162 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8807.09 Yes Employed   No   No  
XXXX XXXX 10146806 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 15177.39 Yes Employed   No   Yes Present
XXXX XXXX 10104468 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A Yes N/A Yes N/A Yes N/A N/A 14647.37 Yes Employed Employed No No Yes Present
XXXX   10110787 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 18335 7.715 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24583.47 Yes Employed   No   No  
XXXX XXXX 10110004 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 10435 7.848 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3990.72 Yes Employed Employed No No No  
XXXX XXXX 10146811 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   10110779 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 12574.9 7.266 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7610.53 N/A Employed Employed No No No  
XXXX   10026601 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 11710.2 7.948 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8763.69 Yes Employed   No   No  
XXXX   10110781 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 11555 6.736 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5132.1 Yes Employed   No   No  
XXXX XXXX 10110032 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 14170 7.784 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9508.31 Yes Employed   No   No  
XXXX XXXX 10110699 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A Yes N/A Yes N/A Yes N/A N/A 255508.36 Yes Employed   No   Yes Present
XXXX XXXX 10110700 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 Yes N/A 19913.7 Yes Employed   No   Yes Present
XXXX XXXX 10110687 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A Yes N/A Yes N/A Yes N/A N/A 238422.46 Yes Employed Not Employed No No Yes Present
XXXX   10110768 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 21967.26 7.707 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16429.34 N/A Employed   No   No  
XXXX XXXX 10104476 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 10151242 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 6.893 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 3544536.42 Yes Employed   No   No  
XXXX XXXX 10156819 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 215322.58 Yes Employed   No   Yes Present
XXXX   10110780 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 11095 6.27 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16539.2 Yes Employed   No   No  
XXXX XXXX 10110686 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 17378.73 Yes Employed   No   Yes Present
XXXX XXXX 10179739 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 10718 6.873 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 73076.25 Yes Employed Not Employed No No No  
XXXX XXXX 10110689 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 2943705.88 Yes Employed Not Employed No No Yes Present
XXXX XXXX 10151249 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 201189.21 Yes Employed   No   Yes Present
XXXX XXXX 10156804 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 10146805 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 3183.25 6.587 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12747.85 Yes Not Employed Employed No No No  
XXXX XXXX 10104477 XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No No No No No No No No No Not Tested     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 10162210 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 42117.42 Yes Employed   No   Yes Present
XXXX XXXX 10146804 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 11405 6.8 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 3896.54 Yes Employed   No   No  
XXXX XXXX 10156809 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 10110696 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 21905.65 Yes Employed Employed No No Yes Present
XXXX XXXX 10179762 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 14648.31 Yes Employed   No   Yes Present
XXXX XXXX 10162217 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 11936.69 Yes Employed Not Employed No No Yes Present
XXXX XXXX 10162221 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 133691.72 Yes Employed   No   Yes Present
XXXX XXXX 10162225 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 13872.85 Yes Employed   No   Yes Present
XXXX XXXX 10162209 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 48446.72 N/A Employed   No   Yes Present
XXXX XXXX 10156814 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 10210116 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 N/A N/A 20906.98 Yes Employed   No   Yes Present
XXXX XXXX 10162198 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 2190 6.557 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9334.1 Yes Employed   No   No  
XXXX XXXX 10162220 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 39222.97 Yes Employed   No   Yes Present
XXXX XXXX 10162229 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 10200505 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 N/A N/A 42311.67 N/A Employed   No   Yes Present
XXXX   10110782 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 14073.72 6.975 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 78083.04 N/A Employed   No   No  
XXXX XXXX 10200431 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 0 6.255 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 185157.23 N/A Employed   No   No  
XXXX XXXX 10162196 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 195942.68 Yes Employed   No   Yes Present
XXXX XXXX 10162197 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 195261.38 Yes Employed   No   Yes Present
XXXX XXXX 10179748 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 29662.66 Yes Employed   No   Yes Present
XXXX XXXX 10200482 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 30049.34 Yes Not Employed   No   Yes Present
XXXX XXXX 10217422 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 11343.34 Yes Employed Employed No No Yes Present
XXXX XXXX 10110705 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 N/A N/A 4909.93 Yes Employed   No   Yes Present
XXXX XXXX 10200477 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 9130.72 Yes Employed   No   Yes Present