|
Loan ID
|
Investor Loan ID
|
Seller Loan ID
|
Lender Application Date
|
Originator QM Status
|
Final QM Status
|
Originator QM Status Difference than Final QM Status?
|
Reason Why NonQM Final Status
|
APR Pricing Threshold Exceeded?
|
QM DTI Threshold Exceeded?
|
Higher Priced Mortgage Loan (HPML)?
|
Negatively Amortizing Loan?
|
Principal Deferment?
|
Interest Only Flag?
|
Prepayment Penalty?
|
Balloon Flag?
|
Adjustable Rate Balloon?
|
Loan Term Less Than 5 Years?
|
QM Points and Fees Threshold Exceeded?
|
QM Total Points and Fees
|
APR
|
ATR: Qualifying Payment Properly Considered?
|
ATR: Current Employment/Self-Employment Verified?
|
ATR: Balloon Qualifying Payment Properly Considered?
|
ATR: Reasonable Income or Assets Considered?
|
ATR: Subject PITIA Adequately Documented?
|
ATR: All Liabilities Including Alimony and Child Support in DTI?
|
ATR: Simultaneous Loan Calculated Properly
|
ATR: Credit History was Considered Properly?
|
ATR: Did Lender Document All ATR Factors?
|
ATR: Was an ATR/QM Residual Income Analysis Provided?
|
Residual Income
|
Residual Income Meets Guidelines?
|
Borrower 1 Employment Indicator
|
Borrower 2 Employment Indicator
|
Borrower 1 Foreign National Indicator
|
Borrower 2 Foreign National Indicator
|
Business Purpose Loan?
|
Business Purpose Verified?
|
|
409040492
|
xxx
|
ATR/QM: Not Applicable
|
ATR/QM: Not Applicable
|
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
|
Yes
|
xxx
|
Yes
|
Employed
|
No
|
Yes
|
Present
|
||||||||||
|
409043594
|
xxx
|
ATR/QM: Not Applicable
|
ATR/QM: Not Applicable
|
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
|
xxx
|
No
|
Yes
|
Present
|
||||||||||||
|
409043645
|
xxx
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
No
|
Appendix Q Documentation
|
No
|
Yes
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
xxx
|
xxx
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
xxx
|
N/A
|
Employed
|
No
|
No
|
|||||
|
409043603
|
xxx
|
ATR/QM: Not Applicable
|
ATR/QM: Not Applicable
|
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
|
xxx
|
No
|
Yes
|
Present
|
||||||||||||
|
409043652
|
xxx
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
No
|
Appendix Q Documentation
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
xxx
|
xxx
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
xxx
|
Yes
|
Employed
|
No
|
No
|
|||||
|
409043598
|
xxx
|
ATR/QM: Not Applicable
|
ATR/QM: Not Applicable
|
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
|
xxx
|
No
|
Yes
|
Present
|
||||||||||||
|
409043647
|
xxx
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
No
|
Alternative ATR Documentation
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
xxx
|
xxx
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
xxx
|
Yes
|
Employed
|
No
|
No
|
|||||
|
409043666
|
xxx
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
No
|
Alternative ATR Documentation
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
xxx
|
xxx
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
xxx
|
N/A
|
Employed
|
No
|
No
|
|||||
|
409043599
|
xxx
|
ATR/QM: Not Applicable
|
ATR/QM: Not Applicable
|
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
|
xxx
|
No
|
Yes
|
Present
|
||||||||||||
|
409043604
|
xxx
|
ATR/QM: Not Applicable
|
ATR/QM: Not Applicable
|
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
|
xxx
|
No
|
Yes
|
Present
|
||||||||||||
|
409043672
|
xxx
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
No
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
xxx
|
xxx
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
N/A
|
xxx
|
N/A
|
Employed
|
No
|
No
|
||||||
|
409043601
|
xxx
|
ATR/QM: Not Applicable
|
ATR/QM: Not Applicable
|
No
|
N/A
|
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
|
xxx
|
No
|
Yes
|
Present
|
|||||||||||
|
409043609
|
xxx
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
No
|
Alternative ATR Documentation
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
xxx
|
xxx
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
xxx
|
Yes
|
Employed
|
No
|
No
|
|||||
|
409043602
|
xxx
|
ATR/QM: Not Applicable
|
ATR/QM: Not Applicable
|
No
|
N/A
|
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
|
xxx
|
No
|
No
|
Yes
|
Present
|
||||||||||
|
409043665
|
xxx
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
No
|
Alternative ATR Documentation
|
Yes
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
xxx
|
xxx
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
xxx
|
Yes
|
Employed
|
No
|
No
|
|||||
|
409043628
|
xxx
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
No
|
Alternative ATR Documentation
|
Yes
|
Yes
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
xxx
|
xxx
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
N/A
|
Yes
|
Yes
|
Yes
|
xxx
|
Yes
|
Employed
|
No
|
No
|