|
Client Name:
|
|||||||||||||||||
|
Client Project Name:
|
PRET 2026-RPL3
|
||||||||||||||||
|
Start - End Dates:
|
2/9/2022 - 4/13/2023
|
||||||||||||||||
|
Deal Loan Count:
|
4
|
||||||||||||||||
|
Rating Agency ATR QM Data Fields
|
|||||||||||||||||
|
Loans in Report:
|
4
|
||||||||||||||||
|
Loan Number
|
Pretium Loan ID
|
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
|
|
XXXXXX
|
6399081
|
ATR/QM: Exempt
|
No
|
XXXXXX
|
XXXXXX
|
No
|
No
|
17100
|
XXXXXX
|
5.875
|
Unemployed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
0
|
|
XXXXXX
|
6118007
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXXX
|
XXXXXX
|
No
|
No
|
12971
|
XXXXXX
|
8.6371
|
Employed
|
Employed
|
U.S. Citizen
|
U.S. Citizen
|
(No Data)
|
Yes
|
8391.45
|
|
XXXXXX
|
6117908
|
Non-QM: Lender documented all ATR UW factors
|
No
|
XXXXXX
|
XXXXXX
|
No
|
No
|
8443.98
|
XXXXXX
|
8.817
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
No
|
0
|
|
XXXXXX
|
6110491
|
ATR/QM: Exempt
|
No
|
XXXXXX
|
XXXXXX
|
No
|
No
|
23437.5
|
XXXXXX
|
5.6241
|
Employed
|
(No Data)
|
U.S. Citizen
|
(No Data)
|
(No Data)
|
(No Data)
|
0
|
|
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the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
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