EXHIBIT 99.3

CLAYTON RATING AGENCY ATR QM DATA FIELDS

Client Name:    PennyMac
Client Project Name:    PNMAC PMTLT 2026-INV6_J16909
Rating Agency ATR QM Data Fields
Loans in Report:    422

 

Deal
ID 		   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
1126   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3282.2   XXXXXX   7.067   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
368   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7788.33   XXXXXX   7.1939   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
878   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1133   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7895   XXXXXX   7.1074   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
129   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
25   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
1127   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5783.2   XXXXXX   6.1423   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
176   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9989   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
24   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9989   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
33   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
31   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Employed   Permanent Resident Alien   U.S. Citizen   (No Data)   (No Data)   0
96   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6248   XXXXXX   6.1213   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
134   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7667.51   XXXXXX   6.4656   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
51   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.6251   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
423   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.75   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
27   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.1803   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
378   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6747.35   XXXXXX   6.2735   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
175   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6512.98   XXXXXX   6.2373   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
85   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
17   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7213   XXXXXX   6.563   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
403   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9092   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
46   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
34   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
259   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5645.25   XXXXXX   6.1875   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
101   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4472   XXXXXX   6.3354   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
86   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   16053.48   XXXXXX   7.1585   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
48   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   (No Data)   0
60   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6960.5   XXXXXX   6.3004   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1135   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.99   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
121   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.3751   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
50   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
62   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
82   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
390   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7770.5   XXXXXX   6.3254   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
28   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9989   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
40   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
375   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
44   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8185.5   XXXXXX   6.2991   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
166   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7389.15   XXXXXX   6.6815   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
102   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
149   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5194.25   XXXXXX   6.7901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
132   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3938.55   XXXXXX   5.9445   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
433   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.1241   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   (No Data)   0
654   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   16050.14   XXXXXX   7.5713   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
397   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
398   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7192   XXXXXX   6.5458   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   Yes   0
430   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
371   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
434   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.5884   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
439   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6408   XXXXXX   6.1438   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
387   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6918.75   XXXXXX   6.3983   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
859   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.0261   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
648   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.999   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
541   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9989   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
867   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   8.0577   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
868   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9989   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
650   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.124   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
428   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   13674   XXXXXX   6.3266   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
621   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
657   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5435   XXXXXX   6.1568   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
656   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   5.6251   Employed   Employed   U.S. Citizen   Permanent Resident Alien   (No Data)   (No Data)   0
645   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.9806   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
647   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
485   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2928   XXXXXX   7.1336   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
864   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7399   XXXXXX   6.8904   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
618   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.5001   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
9   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.7499   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
855   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.4573   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
914   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.499   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
1070   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1741.5   XXXXXX   5.6834   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1071   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5513.3   XXXXXX   6.4911   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
860   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   14562.05   XXXXXX   6.9135   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
458   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1088   XXXXXX   7.2131   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
610   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
861   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
653   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5012.4   XXXXXX   6.5977   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
739   XXXXXX   QM: Rebuttable Presumption (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9107.75   XXXXXX   7.482   Unemployed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
850   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8025.5   XXXXXX   6.7319   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
851   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.299   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
725   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1076   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
1078   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1079   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
873   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4199.81   XXXXXX   6.6516   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1080   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.308   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
913   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.75   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
875   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.874   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
920   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8950.68   XXXXXX   5.7259   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
723   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   13143   XXXXXX   7.7116   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1128   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1395   XXXXXX   6.3569   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
209   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
174   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1395   XXXXXX   6.602   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0

Deal
ID 		   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
181   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9989   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
227   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1014   XXXXXX   6.6551   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
488   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
167   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
960   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   5.9489   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
916   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1544.15   XXXXXX   6.4415   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1096   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Unemployed   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
545   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
865   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.25   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
184   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.3104   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
684   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1809.25   XXXXXX   6.0657   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
229   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2739   XXXXXX   6.1174   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
686   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
8   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.25   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
687   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.5   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   (No Data)   0
180   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.1241   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
5   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.6777   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
866   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
688   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
689   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3182.6   XXXXXX   6.9688   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
690   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
11   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.5   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
3   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.5001   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
872   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
623   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
10   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8857.3   XXXXXX   6.3264   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
456   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.5   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
273   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1136   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
292   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Employed   Non-Permanent Resident Alien   U.S. Citizen   (No Data)   (No Data)   0
80   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
311   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.49   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
335   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1130   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
72   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
224   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.1628   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1129   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.1935   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
282   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2047.5   XXXXXX   6.5719   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
286   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
366   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   11290   XXXXXX   6.6458   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
422   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.0328   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
267   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
300   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
303   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5022.5   XXXXXX   6.6448   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   Yes   12555.13
450   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
365   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
1140   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
359   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.875   Retired   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
301   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
59   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
589   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.75   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
299   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1005   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   6.6753   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
120   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
117   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.4918   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
991   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
14   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6308.4   XXXXXX   6.3782   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1004   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5412   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
13   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.651   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
443   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1500   XXXXXX   6.3218   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
345   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4130   XXXXXX   7.0621   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
424   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1835   XXXXXX   6.523   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
352   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1091   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
517   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1131   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1390   XXXXXX   6.5322   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
999   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.5   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1132   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   7.5504   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
1001   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
624   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3248   XXXXXX   6.7038   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1146   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1485   XXXXXX   7.309   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
834   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1000   XXXXXX   7.1911   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1120   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.49   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
253   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   695   XXXXXX   6.4518   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   Yes   19203.8
567   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
582   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
828   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1348   XXXXXX   6.6288   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
993   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   5.9901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
67   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
74   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2241.5   XXXXXX   7.1499   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
570   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
92   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
106   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
413   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.49   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
573   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.49   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
109   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1905   XXXXXX   6.3136   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
81   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.625   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
187   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1645   XXXXXX   7.6001   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
94   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.49   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
264   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   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		   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
146   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1154   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
540   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1209.95   XXXXXX   6.04   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
73   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
576   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.99   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
577   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   7.49   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
254   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
463   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7650   XXXXXX   6.9132   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
580   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
581   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1555   XXXXXX   6.7169   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
145   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1495   XXXXXX   6.7276   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
65   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5624.29   XXXXXX   6.347   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
78   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
71   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
247   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
161   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6075   XXXXXX   6.6248   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
194   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1395   XXXXXX   6.2951   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
449   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
789   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2290   XXXXXX   6.5782   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1147   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
189   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
153   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Unemployed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
136   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4745   XXXXXX   6.7332   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
601   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.449   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
640   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1553   XXXXXX   7.5398   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1086   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1027   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2145   XXXXXX   6.4353   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1032   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
595   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
596   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1082   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   5.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
140   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
324   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   Non-Resident Alien   (No Data)   (No Data)   (No Data)   0
1009   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
961   XXXXXX   QM: Rebuttable Presumption (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4557.72   XXXXXX   8.1061   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1002   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4751.71   XXXXXX   6.1908   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1014   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
785   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
262   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.125   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   (No Data)   0
1098   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
169   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
171   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1843   XXXXXX   6.6188   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
426   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.1251   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
266   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7665.5   XXXXXX   6.4628   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
220   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
164   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.5   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
159   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
746   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
210   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
197   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5496   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
474   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11100   XXXXXX   6.3553   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
437   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
199   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4901.44   XXXXXX   6.8529   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
419   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
211   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.4921   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
603   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.625   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
716   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.8167   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
717   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.875   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
594   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
550   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1057   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.875   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
214   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1026   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
248   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3113.19   XXXXXX   6.4117   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
588   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.7243   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
213   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1295   XXXXXX   6.5985   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
201   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
278   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1090   XXXXXX   6.9069   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
280   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
819   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
203   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3329.33   XXXXXX   7.3642   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
276   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1025   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   6.7329   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
105   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   499   XXXXXX   6.1807   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
268   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
251   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4133.47   XXXXXX   6.506   Employed   Unemployed   U.S. Citizen   (No Data)   (No Data)   No   0
447   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   (No Data)   0
1028   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.875   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1067   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1195   XXXXXX   6.685   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
295   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6295   XXXXXX   6.4963   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1048   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   895   XXXXXX   6.6018   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
837   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
569   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.624   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
361   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1350   XXXXXX   6.8675   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
217   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2065   XXXXXX   6.3665   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
343   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   795   XXXXXX   7.1567   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
425   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4387   XXXXXX   6.3471   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1060   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   6.5815   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
307   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
308   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
309   XXXXXX   QM: Rebuttable Presumption (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   15313.29   XXXXXX   7.5608   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
246   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   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		   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
317   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.625   Unemployed   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   0
1049   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.49   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
820   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.625   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   (No Data)   0
737   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2090.73   XXXXXX   7.0906   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1023   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1100   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1257   XXXXXX   6.4354   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
882   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1490   XXXXXX   6.6625   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
981   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
896   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
511   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.75   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
832   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1935   XXXXXX   7.139   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1114   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
356   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
411   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
272   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1095   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6104   XXXXXX   7.1497   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1036   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1590   XXXXXX   6.2263   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1017   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
321   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   12369.7   XXXXXX   6.3   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
418   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   (No Data)   0
537   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1230   XXXXXX   6.2596   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
538   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.75   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
466   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.49   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
630   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
539   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6111.64   XXXXXX   6.5064   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
12   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1072   XXXXXX   6.9082   Employed   Unemployed   U.S. Citizen   (No Data)   (No Data)   No   0
525   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3785   XXXXXX   6.3411   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
476   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.6701   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
468   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2543.68   XXXXXX   6.0355   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
504   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.375   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
469   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
464   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.918   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1012   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1595   XXXXXX   6.9585   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
513   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1295   XXXXXX   6.0066   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
514   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
515   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1295   XXXXXX   6.6572   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
533   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
471   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
958   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   Unemployed   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
498   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
520   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
503   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
531   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2245   XXXXXX   6.6326   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
944   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Unemployed   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
578   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
529   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7282.18   XXXXXX   7.0352   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
534   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
971   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1200   XXXXXX   6.6656   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
642   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Unemployed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
833   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2297   XXXXXX   7.4913   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
800   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   Employed   Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   (No Data)   0
973   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2080.4   XXXXXX   6.0041   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
679   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
721   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
549   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
674   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1245   XXXXXX   7.1619   Unemployed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
780   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.625   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
738   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
637   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.625   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
708   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.75   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
709   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.9802   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
767   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.625   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
831   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3420   XXXXXX   6.7969   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
670   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.125   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
760   XXXXXX   QM: Rebuttable Presumption (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5.37   XXXXXX   7.5079   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
762   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.125   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
671   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5100.84   XXXXXX   6.1765   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
672   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
770   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4550   XXXXXX   6.0301   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
718   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.25   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
754   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1270   XXXXXX   6.5546   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
660   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12848.3   XXXXXX   6.712   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
691   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9318.48   XXXXXX   6.5206   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
692   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.875   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
693   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
902   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
662   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
658   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6533.8   XXXXXX   6.6821   Unemployed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
722   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1003   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   950   XXXXXX   6.9347   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
694   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
907   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.49   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
793   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
1046   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   5725   XXXXXX   6.8849   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
758   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1936.31   XXXXXX   7.142   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
812   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1698   XXXXXX   7.2081   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
849   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1698   XXXXXX   7.1903   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
697   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
759   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.625   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
908   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   6.5   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
699   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.1251   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
748   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11896.33   XXXXXX   6.4776   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0

Deal
ID 		   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
735   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5592.6   XXXXXX   6.0063   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
704   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1751.4   XXXXXX   6.8121   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
807   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3243.03   XXXXXX   6.5528   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
706   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2330   XXXXXX   7.1473   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
753   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   88   XXXXXX   7.1664   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
809   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6974   XXXXXX   7.1103   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
901   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1190   XXXXXX   6.5598   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
707   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
974   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1865   XXXXXX   7.3358   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
773   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.625   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
776   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.9901   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1042   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1395   XXXXXX   6.7905   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
777   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1645   XXXXXX   7.2773   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
779   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.625   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
880   XXXXXX   QM: Rebuttable Presumption (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1680   XXXXXX   7.6975   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
782   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.625   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
783   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.99   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
952   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1795   XXXXXX   6.8282   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
876   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   7.2567   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1092   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.375   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1045   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.595   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
953   XXXXXX   QM: Rebuttable Presumption (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1445   XXXXXX   7.6451   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
803   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.07   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
892   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3415   XXXXXX   6.2214   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
840   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   5.9901   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
889   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
842   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9525   XXXXXX   7.4513   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   Yes   7700.7
843   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.124   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
891   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1590   XXXXXX   6.7451   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
967   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1270   XXXXXX   6.5647   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1108   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.7572   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
886   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.415   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
898   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.875   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   (No Data)   0
939   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.6413   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
966   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7202.5   XXXXXX   7.2615   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
884   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9978   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
957   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   5.9901   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
885   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1745   XXXXXX   6.4887   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
959   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
888   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.375   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
1065   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.3277   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
969   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1107   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   No   No   0   XXXXXX   7.5   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   (No Data)   0
962   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.37   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   (No Data)   0
943   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   8598.71   XXXXXX   6.7054   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
933   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5458.6   XXXXXX   6.3038   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1101   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1330   XXXXXX   6.9436   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1123   XXXXXX   QM: Rebuttable Presumption (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   650.04   XXXXXX   7.6495   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
948   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2486.5   XXXXXX   6.1984   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1121   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   7.4702   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1084   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6682.5   XXXXXX   6.5726   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
1111   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   5.75   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1047   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2262.5   XXXXXX   6.7191   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
1055   XXXXXX   ATR/QM: Exempt   No   XXXXXX   XXXXXX   Yes   No   0   XXXXXX   6.5   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   (No Data)   0
1105   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3652   XXXXXX   7.0263   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0

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