Client Name:
                                
Client Project Name: 
SPIRE 2026-3
                              
Start - End Dates:
5/9/2025 - 1/8/2026
                            
Deal Loan Count:
19
                              
                                 
Rating Agency ATR QM Data Fields
                          
                                 
Loans in Report:
19
                              
                                 
Loan Number
Loan Level ATR/QM Status
Application Date Prior to 1/10/2014
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
409013215
QM: Safe Harbor (APOR)
No
XXXXX
XXXXX
No
Yes
1368
XXXXX
7.7644
Employed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
No
XXXXX
409013462
QM: Safe Harbor (APOR)
No
XXXXX
XXXXX
No
Yes
27100
XXXXX
7.5712
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
XXXXX
409018241
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
7.1251
Unemployed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
(No Data)
XXXXX
409019301
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
6.99
Unemployed
(No Data)
U.S. Citizen
(No Data)
(No Data)
(No Data)
XXXXX
409019308
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
8.0001
Unemployed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
(No Data)
XXXXX
409019320
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
7.8751
Unemployed
(No Data)
U.S. Citizen
(No Data)
(No Data)
(No Data)
XXXXX
409022124
Non-QM: Lender documented all ATR UW factors   
No
XXXXX
XXXXX
No
No
7382
XXXXX
7.2508
Retired
Employed
U.S. Citizen
U.S. Citizen
(No Data)
No
XXXXX
409023740
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
8.125
Unemployed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
(No Data)
XXXXX
409024041
QM: Rebuttable Presumption (APOR)
No
XXXXX
XXXXX
No
Yes
905
XXXXX
8.0083
Employed
Employed
U.S. Citizen
U.S. Citizen
(No Data)
Yes
XXXXX
409024319
QM: Rebuttable Presumption (APOR)
No
XXXXX
XXXXX
No
Yes
2895
XXXXX
8.6957
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
XXXXX
409024322
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
7.625
Unemployed
Unemployed
(No Data)
U.S. Citizen
(No Data)
(No Data)
XXXXX
409024867
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
7.375
Unemployed
Unemployed
(No Data)
U.S. Citizen
(No Data)
(No Data)
XXXXX
409024873
Non-QM: Lender documented all ATR UW factors
No
XXXXX
XXXXX
No
No
15117.2
XXXXX
7.7878
Employed
(No Data)
U.S. Citizen
(No Data)
(No Data)
No
XXXXX
409033580
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
6.875
Unemployed
Unemployed
(No Data)
U.S. Citizen
(No Data)
(No Data)
XXXXX
409033585
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
6.875
Unemployed
Unemployed
(No Data)
U.S. Citizen
(No Data)
(No Data)
XXXXX
409033597
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
7.25
Unemployed
Unemployed
(No Data)
U.S. Citizen
(No Data)
(No Data)
XXXXX
409033626
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
6.375
Unemployed
Unemployed
Non-Resident Alien
Non-Resident Alien
(No Data)
(No Data)
XXXXX
409033639
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
7
Unemployed
Unemployed
(No Data)
U.S. Citizen
(No Data)
(No Data)
XXXXX
409033714
ATR/QM: Exempt
No
XXXXX
XXXXX
No
No
0
XXXXX
7.2499
Unemployed
Unemployed
U.S. Citizen
U.S. Citizen
(No Data)
(No Data)
XXXXX

 
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