Redaction ID

Loan ID

Seller Loan ID

Investor 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?

900000043

XXXX

XXXX

XXXX

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

8055

6.708

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

N/A

Employed

No

No

900000042

XXXX

XXXX

XXXX

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

900000066

XXXX

XXXX

XXXX

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

900000069

XXXX

XXXX

XXXX

XXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Yes

Yes

Yes

No

No

No

No

No

No

No

Yes

7262.75

9.147

N/A

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000375

XXXX

XXXX

XXXX

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

4665

6.943

Yes

Yes

N/A

Yes

Yes

Yes

Yes

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000077

XXXX

XXXX

XXXX

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

8157.5

6.652

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000068

XXXX

XXXX

XXXX

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

5720

6.804

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000361

XXXX

XXXX

XXXX

XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

Yes

N/A

Yes

N/A

N/A

N/A

Yes

N/A

N/A

XXXX

Yes

Employed

No

Yes

Present

900000081

XXXX

XXXX

XXXX

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

15147

7.686

Yes

Yes

N/A

Yes

Yes

Yes

N/A

N/A

Yes

Yes

XXXX

N/A

Employed

No

No

900000065

XXXX

XXXX

XXXX

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

11015

7.498

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000078

XXXX

XXXX

XXXX

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

900000079

XXXX

XXXX

XXXX

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

900000084

XXXX

XXXX

XXXX

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

27018

7.151

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000070

XXXX

XXXX

XXXX

XXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

Yes

QM Points and Fees Exceeded

No

No

No

No

No

No

No

No

No

No

Yes

10541

7.597

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000055

XXXX

XXXX

XXXX

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

900000094

XXXX

XXXX

XXXX

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

15590

7.152

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000086

XXXX

XXXX

XXXX

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

9785

8.486

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000082

XXXX

XXXX

XXXX

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

9406

6.469

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000083

XXXX

XXXX

XXXX

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

12795

7.161

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000067

XXXX

XXXX

XXXX

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

23532.5

7.203

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000085

XXXX

XXXX

XXXX

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

12242

6.867

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

No

No

900000080

XXXX

XXXX

XXXX

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

26399

6.924

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

XXXX

Yes

Employed

Employed

No

No

No