|
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
|
409016403
|
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
|
409019146
|
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
|
409019337
|
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
|
409021029
|
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
|
409021547
|
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
|
19360.39
|
N/A
|
Employed
|
No
|
Yes
|
Present
|
||||||||
|
XXXX
|
XXXX
|
409024886
|
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
|
18436.03
|
7.391
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
60719.11
|
N/A
|
Employed
|
No
|
No
|
|||
|
XXXX
|
XXXX
|
409024996
|
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
|
11255
|
7.169
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
6158.07
|
Yes
|
Employed
|
No
|
No
|
||||
|
XXXX
|
XXXX
|
409040497
|
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
|
14388.75
|
7.979
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
59229.61
|
N/A
|
Employed
|
No
|
No
|
|||
|
XXXX
|
XXXX
|
409035465
|
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
|
409041065
|
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
|
409035476
|
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
|
409033568
|
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
|
409033679
|
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
|
409033720
|
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
|
6220
|
7.638
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
3053.77
|
Yes
|
Employed
|
No
|
No
|
|||
|
XXXX
|
XXXX
|
409033592
|
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
|
16847.36
|
7.05
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
177239.57
|
N/A
|
Employed
|
No
|
No
|
|||
|
XXXX
|
XXXX
|
409039832
|
XXXX
|
ATR/QM: Exempt
|
ATR/QM: Exempt
|
No
|
Yes
|
No
|
No
|
No
|
Yes
|
No
|
No
|
No
|
N/A
|
N/A
|
N/A
|
Yes
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
38713.6
|
Yes
|
Not Employed
|
Employed
|
No
|
No
|
Yes
|
Present
|
||||||
|
XXXX
|
XXXX
|
409041055
|
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
|
6495
|
7.151
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
4435
|
Yes
|
Employed
|
Not Employed
|
No
|
No
|
No
|
|
|
XXXX
|
XXXX
|
409039843
|
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
|
409042395
|
XXXX
|
QM: Safe Harbor APOR (APOR SH)
|
QM: Safe Harbor APOR (APOR SH)
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
1590
|
7.399
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
46491.12
|
N/A
|
Employed
|
No
|
No
|
||||
|
XXXX
|
XXXX
|
409042392
|
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
|
409042380
|
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
|
409042377
|
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
|
409042384
|
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
|
409042385
|
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
|
409042388
|
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
|
409042376
|
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
|