MORGAN STANLEY CAPITAL I INC. ABS-15G

 

Exhibit 99.4 - Schedule 4

 

Client Name:                            
Client Project Name: MSRM 2026-NQM7                          
Start - End Dates: 10/23/2025 - 4/07/2026                          
Deal Loan Count: 132                          
                                 
Rating Agency ATR QM Data Fields                          
                                 
Loans in Report:  132                          
                                 
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
10110817 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110822 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110950 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026516 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026520 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026524 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110965 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.8749 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026566 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10110811 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110881 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026593 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.8749 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110928 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110900 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026608 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026615 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026618 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110929 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110922 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110839 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110859 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
10110841 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) (No Data) (No Data) (No Data) 0
10110834 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110936 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110958 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110947 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110945 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110916 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10110884 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110893 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed Unemployed Permanent Resident Alien Non-Permanent Resident Alien (No Data) (No Data) 0
10110878 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110941 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110880 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110886 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110842 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110862 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10110960 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110953 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110902 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110801 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110856 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110956 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110948 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101113 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101497 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10101000 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7829.32 XXXXXX 9.3432 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100935 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9244 XXXXXX 6.7267 Employed (No Data) U.S. Citizen (No Data) (No Data) No 2819.01
10100936 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 7824 XXXXXX 6.9166 Retired (No Data) U.S. Citizen (No Data) (No Data) No 58097.81
10007275 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 6089.32 XXXXXX 9.4695 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100937 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2327.85 XXXXXX 6.4321 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10100938 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 15087.75 XXXXXX 6.2212 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100940 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 16963 XXXXXX 6.8097 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 12960.82
10100942 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 55369 XXXXXX 6.7903 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100943 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 26416.09 XXXXXX 6.9568 Employed (No Data) U.S. Citizen (No Data) (No Data) No 53260.01
10100944 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9077.96 XXXXXX 7.7056 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101119 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101004 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8663.63 XXXXXX 8.5957 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101005 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 12862.75 XXXXXX 8.3139 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101006 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5483.5 XXXXXX 7.8537 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10101008 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10357.75 XXXXXX 8.1256 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100947 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11694 XXXXXX 6.6614 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100948 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 7466.5 XXXXXX 7.5677 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101009 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7106.5 XXXXXX 9.1572 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100950 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 19969 XXXXXX 7.7722 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 38718.98
10101501 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10101011 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 6844 XXXXXX 9.1307 Employed (No Data) U.S. Citizen (No Data) (No Data) No 4365.48
10101111 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10100951 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 17560.99 XXXXXX 6.4878 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100952 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 38544 XXXXXX 7.3401 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10101013 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 6345 XXXXXX 7.7897 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100954 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 16144 XXXXXX 6.7545 Employed (No Data) U.S. Citizen (No Data) (No Data) No 23554.73
10100955 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 12284 XXXXXX 7.5121 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100956 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 14549 XXXXXX 6.723 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 18646.98
10101017 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 9010 XXXXXX 6.7491 Employed (No Data) U.S. Citizen (No Data) (No Data) No 8593.48
10100957 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 17920 XXXXXX 7.0279 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101020 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 31091.5 XXXXXX 7.8136 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100958 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 29408 XXXXXX 7.3325 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100959 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11044 XXXXXX 7.5512 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100960 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 1744 XXXXXX 6.7663 Employed (No Data) U.S. Citizen (No Data) (No Data) No 72823
10101022 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15422.75 XXXXXX 7.6426 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100961 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 16393.3 XXXXXX 6.9623 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10100963 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 19744 XXXXXX 7.1305 Employed Unemployed U.S. Citizen (No Data) (No Data) No 0
10101033 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15054 XXXXXX 7.6182 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10101108 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101034 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9738.25 XXXXXX 7.6237 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10101099 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10100966 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 21623 XXXXXX 6.9889 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10100967 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 21194 XXXXXX 6.5746 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10100968 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 10294 XXXXXX 7.3218 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101038 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12681.5 XXXXXX 6.8752 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0
10101039 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11869 XXXXXX 9.0494 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100970 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9397.51 XXXXXX 8.2165 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101510 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10100972 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 6489.15 XXXXXX 6.5868 Employed (No Data) U.S. Citizen (No Data) (No Data) No 23437.05
10100973 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 16632.5 XXXXXX 6.3755 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101041 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 5745.66 XXXXXX 8.0713 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
10101512 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
10100974 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 2465.08 XXXXXX 7.2767 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101043 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 6019 XXXXXX 8.5831 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100975 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 13294 XXXXXX 6.9609 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100976 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12259 XXXXXX 6.2837 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101047 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10338.77 XXXXXX 7.8975 Employed (No Data) U.S. Citizen (No Data) (No Data) No 68895.17
10100981 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 8368 XXXXXX 6.7166 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101049 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11094 XXXXXX 7.3875 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100983 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 11036.5 XXXXXX 6.962 Employed (No Data) U.S. Citizen (No Data) (No Data) No 18357.78
10100984 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 24742.13 XXXXXX 8.1394 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100986 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 37104 XXXXXX 8.6299 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10101109 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101516 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10101517 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101093 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10100991 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 11183.5 XXXXXX 7.0652 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101060 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 22894 XXXXXX 7.4923 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100992 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 8370.54 XXXXXX 6.5414 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101520 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101103 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101062 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 24419 XXXXXX 7.6667 Employed (No Data) U.S. Citizen (No Data) (No Data) No 34461.56
10100993 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 49744 XXXXXX 7.5096 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101063 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 6974 XXXXXX 7.9983 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100994 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 23746.42 XXXXXX 6.6879 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100996 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 405.68 XXXXXX 7.0125 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10101067 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 6534 XXXXXX 7.3582 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101068 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 12149.13 XXXXXX 8.4649 Employed (No Data) U.S. Citizen (No Data) (No Data) No 29607.2
10101524 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10161141 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 6852.5 XXXXXX 6.9355 Employed (No Data) U.S. Citizen (No Data) (No Data) No 2500
10162228 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10217431 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10217433 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10110981 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110892 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
9694017 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.49 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10217407 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 1295 XXXXXX 6.9275 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10210134 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10897.52 XXXXXX 7.2162 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 30763.8
 


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