EXHIBIT 99.3
CLAYTON RATING AGENCY ATR QM DATA FIELDS
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF6_J17053 | |
| Rating Agency ATR QM Data Fields | ||
| Loans in Report: | 295 | |
| 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 | |||||||||||||||||
| 1 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4318 | XXXXXX | 6.5559 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 3 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10864 | XXXXXX | 6.7767 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 4 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9561.5 | XXXXXX | 7.4064 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6122.08 | XXXXXX | 6.1003 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 6 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5784.72 | XXXXXX | 5.9976 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 8 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10138 | XXXXXX | 6.5826 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 10 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4286.25 | XXXXXX | 6.1546 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 14 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15876.35 | XXXXXX | 6.6366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 15 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11288 | XXXXXX | 6.3956 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 19 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8973 | XXXXXX | 7.2235 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 20 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13529 | XXXXXX | 6.4514 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 22 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16087.3 | XXXXXX | 6.0553 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 23 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8678 | XXXXXX | 6.1189 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 24 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16225.5 | XXXXXX | 6.0175 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 25 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8063 | XXXXXX | 6.1866 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 27 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8227.63 | XXXXXX | 6.6981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 28 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5673 | XXXXXX | 6.3006 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 30 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3796.92 | XXXXXX | 6.1164 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 32 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2932 | XXXXXX | 6.6476 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 33 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5097 | XXXXXX | 7.1972 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 43 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7388.36 | XXXXXX | 6.9529 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 44 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2999.81 | XXXXXX | 5.9666 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 46 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7274 | XXXXXX | 7.0724 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 47 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7463.73 | XXXXXX | 6.1412 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 48 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7699 | XXXXXX | 6.4809 | 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 | |||||||||||||||||
| 49 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9551.97 | XXXXXX | 6.8435 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 52 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.7861 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 54 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1014 | XXXXXX | 6.5477 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 57 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0116 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 61 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1400 | XXXXXX | 5.8984 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 66 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2304 | XXXXXX | 6.2047 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1864 | XXXXXX | 6.7983 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 68 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2285 | XXXXXX | 7.1293 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 70 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5062 | XXXXXX | 6.7122 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1224 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 73 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.1756 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 80 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0476 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 83 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.8436 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 85 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 86 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1724 | XXXXXX | 5.9043 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 89 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2724 | XXXXXX | 6.044 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 90 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1518.19 | XXXXXX | 6.0722 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 91 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.901 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 93 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1042 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 97 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 5.7792 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 104 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.6769 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 105 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.7325 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 107 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1784 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 109 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1917 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 111 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8720.14 | XXXXXX | 6.1587 | 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 | |||||||||||||||||
| 113 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6123.54 | XXXXXX | 5.9331 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 114 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6801.97 | XXXXXX | 6.5931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8959.72 | XXXXXX | 6.0926 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 122 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5813.73 | XXXXXX | 5.8256 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 125 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.8955 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 126 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5044.19 | XXXXXX | 7.162 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 127 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7238.72 | XXXXXX | 5.8665 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 130 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2807.26 | XXXXXX | 5.6484 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 131 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.7276 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 132 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4992.92 | XXXXXX | 6.8459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 134 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7785.78 | XXXXXX | 6.295 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 135 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3504 | XXXXXX | 5.6497 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 137 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4481.59 | XXXXXX | 5.7876 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 138 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5645.46 | XXXXXX | 6.2882 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 142 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2257.9 | XXXXXX | 5.9191 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 143 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3108.95 | XXXXXX | 5.8812 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 146 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2879 | XXXXXX | 6.057 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 147 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2669 | XXXXXX | 6.178 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 148 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1792 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 150 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3777.2 | XXXXXX | 5.9202 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 151 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3926.45 | XXXXXX | 5.2531 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 152 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6955.4 | XXXXXX | 6.2651 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 153 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3975 | XXXXXX | 6.2255 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 154 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 6.303 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 155 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3037 | XXXXXX | 5.9017 | Employed | (No Data) | U.S. Citizen | (No Data) | (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 | |||||||||||||||||
| 164 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2740.4 | XXXXXX | 6.0322 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 170 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2973.48 | XXXXXX | 5.9086 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 173 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2297.66 | XXXXXX | 5.6749 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 174 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9352.7 | XXXXXX | 5.7054 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 176 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2681.2 | XXXXXX | 5.4084 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 177 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0286 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 178 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2714 | XXXXXX | 5.7219 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 656 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.154 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 184 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6845.44 | XXXXXX | 6.3237 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 186 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.5481 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 189 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4153.01 | XXXXXX | 6.9128 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 190 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5401.6 | XXXXXX | 6.2247 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 191 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.7984 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 195 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 7.045 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 196 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6568.2 | XXXXXX | 6.0139 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 197 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4853.43 | XXXXXX | 6.3738 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 199 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3349.6 | XXXXXX | 5.9185 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 201 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9209.9 | XXXXXX | 6.7977 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 204 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2776.61 | XXXXXX | 5.7163 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 206 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4874.87 | XXXXXX | 5.7357 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 207 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.5662 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 209 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 720.94 | XXXXXX | 6.1335 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 210 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1994.52 | XXXXXX | 6.0231 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 213 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.6848 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 214 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 5.655 | Employed | (No Data) | U.S. Citizen | (No Data) | (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 | |||||||||||||||||
| 217 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6587.72 | XXXXXX | 5.8165 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 218 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6306.76 | XXXXXX | 5.6036 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 221 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9330.97 | XXXXXX | 6 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 223 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5758.67 | XXXXXX | 6.3185 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5193.31 | XXXXXX | 6.4143 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 226 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1564.1 | XXXXXX | 5.803 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 227 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7312.84 | XXXXXX | 5.7051 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 230 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 6.2556 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 232 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4296.2 | XXXXXX | 6.8294 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 233 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6784.09 | XXXXXX | 5.8415 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 236 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12175.54 | XXXXXX | 6.6092 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 241 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6969.04 | XXXXXX | 6.7654 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 244 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3454.81 | XXXXXX | 5.9244 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 247 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3393.9 | XXXXXX | 5.9105 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 248 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0994 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 254 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8903.8 | XXXXXX | 6.278 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 255 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3970 | XXXXXX | 6.0971 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 256 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2681.96 | XXXXXX | 6.2919 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 262 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 2197.64 | XXXXXX | 6.2099 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 270 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10637.99 | XXXXXX | 6.7697 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 271 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.3261 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 273 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.721 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 274 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8806.06 | XXXXXX | 6.419 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 276 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5150.86 | XXXXXX | 5.7822 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 277 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 6.659 | 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 | |||||||||||||||||
| 282 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7627.11 | XXXXXX | 6.6587 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 283 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7619.64 | XXXXXX | 6.2326 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 287 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6789.01 | XXXXXX | 6.2 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 654 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 4.7581 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 290 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1250 | XXXXXX | 6.0341 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 292 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7876.41 | XXXXXX | 6.068 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 297 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 6.2966 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 298 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1527 | XXXXXX | 6.9205 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 299 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6295 | XXXXXX | 7.1139 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 300 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 900 | XXXXXX | 5.7681 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 302 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2975.5 | XXXXXX | 6.2617 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 305 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5618.2 | XXXXXX | 6.2514 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 306 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4470 | XXXXXX | 6.0682 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 311 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.7174 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 313 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1320 | XXXXXX | 6.4074 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 316 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 318 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1570 | XXXXXX | 6.4214 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 320 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 510 | XXXXXX | 5.8894 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 321 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2218.5 | XXXXXX | 6.155 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 322 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2436.41 | XXXXXX | 6.111 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 323 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1598 | XXXXXX | 6.4431 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 324 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5248 | XXXXXX | 6.7765 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 330 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2741.19 | XXXXXX | 5.9268 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 335 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 6.1608 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 341 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3150.1 | XXXXXX | 6.0947 | 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 | |||||||||||||||||
| 343 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1670 | XXXXXX | 6.1699 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 352 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1570 | XXXXXX | 6.0236 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 354 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 5.9857 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 355 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1315 | XXXXXX | 5.9252 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 359 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.5008 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 360 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7960 | XXXXXX | 6.0509 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 362 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1555 | XXXXXX | 6.1062 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 364 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 787 | XXXXXX | 6.1641 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 366 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2840 | XXXXXX | 6.4493 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 368 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3215 | XXXXXX | 5.8459 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 370 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2730 | XXXXXX | 6.76 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 372 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.5075 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.524 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 376 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1225 | XXXXXX | 6.5546 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 377 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3530 | XXXXXX | 6.1274 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 378 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3470 | XXXXXX | 6.3638 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 383 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2665 | XXXXXX | 6.3787 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 384 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1257 | XXXXXX | 6.145 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 387 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 510 | XXXXXX | 5.9103 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 390 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4370 | XXXXXX | 6.6155 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 392 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4440 | XXXXXX | 6.74 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 401 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2145 | XXXXXX | 6.2388 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 404 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1190 | XXXXXX | 6.162 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 406 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1498 | XXXXXX | 7.1275 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 407 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.1712 | Employed | Unemployed | 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 | |||||||||||||||||
| 408 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 850 | XXXXXX | 6.1434 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 409 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4845 | XXXXXX | 6.8611 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 414 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2050 | XXXXXX | 6.1627 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6620 | XXXXXX | 6.4058 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 418 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.1639 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 419 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7410.5 | XXXXXX | 6.5298 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 420 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 787 | XXXXXX | 6.1509 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 421 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 688 | XXXXXX | 6.1427 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 422 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1850 | XXXXXX | 6.6384 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 428 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1450 | XXXXXX | 6.8492 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 430 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 431 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.1757 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 434 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.1435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 439 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1585 | XXXXXX | 6.026 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 440 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8942.5 | XXXXXX | 6.0248 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 441 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9348.13 | XXXXXX | 7.0759 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 442 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2225 | XXXXXX | 6.4798 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 444 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 569 | XXXXXX | 5.8982 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 445 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3465 | XXXXXX | 6.7038 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 446 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6165 | XXXXXX | 6.1484 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 454 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9607.34 | XXXXXX | 7.0291 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 455 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3540 | XXXXXX | 6.176 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 456 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1565 | XXXXXX | 6.6762 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 457 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1900 | XXXXXX | 6.4196 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 458 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1570 | XXXXXX | 6.1561 | Employed | (No Data) | U.S. Citizen | (No Data) | (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 | |||||||||||||||||
| 459 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2584.55 | XXXXXX | 6.9171 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 460 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.5396 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 462 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7345 | XXXXXX | 6.2976 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 463 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10225 | XXXXXX | 6.0506 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 465 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1150 | XXXXXX | 6.2639 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 467 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2225 | XXXXXX | 6.8716 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 468 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13481.25 | XXXXXX | 5.8235 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 469 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2674 | XXXXXX | 6.3125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 473 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.1545 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 478 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1480 | XXXXXX | 6.5378 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 480 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1775 | XXXXXX | 6.642 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 488 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1795 | XXXXXX | 6.2844 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 489 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1994 | XXXXXX | 6.531 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 490 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 60 | XXXXXX | 6.135 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 495 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.1594 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 500 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11874.98 | XXXXXX | 6.5385 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 501 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13575 | XXXXXX | 6.6834 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 502 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2884 | XXXXXX | 6.0324 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 506 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1234 | XXXXXX | 5.8423 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 507 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1550 | XXXXXX | 6.0342 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 517 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1620 | XXXXXX | 6.5515 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 518 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2015 | XXXXXX | 6.7255 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 520 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2785 | XXXXXX | 6.4299 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 522 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1280 | XXXXXX | 6.4325 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 523 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1975 | XXXXXX | 6.9389 | 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 | |||||||||||||||||
| 524 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3654.23 | XXXXXX | 5.793 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 527 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.4636 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 529 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 5.9046 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 532 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 488 | XXXXXX | 6.1552 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 534 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 5.9656 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 535 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1865 | XXXXXX | 6.0818 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 536 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.135 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 539 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11070 | XXXXXX | 6.0472 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 540 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1499 | XXXXXX | 6.0205 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 542 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5285 | XXXXXX | 5.9955 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 543 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8675 | XXXXXX | 6.2024 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 545 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8416.06 | XXXXXX | 6.0654 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 546 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 889.8 | XXXXXX | 5.9893 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 547 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10454.41 | XXXXXX | 6.0082 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 548 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1435 | XXXXXX | 6.2395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 550 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11094.7 | XXXXXX | 6.1231 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 552 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13332 | XXXXXX | 6.0861 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 554 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1940 | XXXXXX | 6.0811 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 555 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1880 | XXXXXX | 6.0616 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 557 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.0301 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 559 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12670 | XXXXXX | 6.1599 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 560 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14401.25 | XXXXXX | 6.0372 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 562 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 22100 | XXXXXX | 7.0418 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 564 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1254 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 566 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1665 | XXXXXX | 6.0187 | Employed | (No Data) | U.S. Citizen | (No Data) | (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 | |||||||||||||||||
| 567 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 17710 | XXXXXX | 6.8549 | Unemployed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 569 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 6.0633 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 570 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11811 | XXXXXX | 6.4923 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 571 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16740 | XXXXXX | 6.2006 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 572 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | 6.0758 | Unemployed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 574 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 58 | XXXXXX | 6.0591 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 577 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1825 | XXXXXX | 6.2863 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 578 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.4187 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 581 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1771 | XXXXXX | 6.2533 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 582 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8857 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 583 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1894 | XXXXXX | 6.4306 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 586 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4924.28 | XXXXXX | 6.0747 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 591 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6697.5 | XXXXXX | 6.0965 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 592 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1634 | XXXXXX | 6.5245 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 593 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1698 | XXXXXX | 6.1577 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 598 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2015 | XXXXXX | 6.2461 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 599 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1630 | XXXXXX | 6.5438 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 603 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 7.0579 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 604 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 5.9951 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 605 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1519 | XXXXXX | 6.0745 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 606 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6232 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 610 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15073.12 | XXXXXX | 6.3605 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 611 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2878 | XXXXXX | 6.4768 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 613 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9516 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 614 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10920 | XXXXXX | 6.3897 | Retired | 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 | |||||||||||||||||
| 615 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2665 | XXXXXX | 6.0681 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 617 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2287.5 | XXXXXX | 6.0386 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 618 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2180 | XXXXXX | 6.4141 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 620 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3000 | XXXXXX | 6.0659 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 621 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 6.6473 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 622 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11340 | XXXXXX | 6.2052 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 626 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.1437 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 628 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1740 | XXXXXX | 6.4096 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 629 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7040 | XXXXXX | 6.3269 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 630 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1645 | XXXXXX | 6.2863 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 631 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1576 | XXXXXX | 6.0327 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 634 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6937 | XXXXXX | 6.108 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 637 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1445 | XXXXXX | 6.1682 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 639 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1450 | XXXXXX | 6.4716 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 642 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1755 | XXXXXX | 6.0606 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 645 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2340 | XXXXXX | 6.7618 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 646 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4553.94 | XXXXXX | 5.9198 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 647 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6864.03 | XXXXXX | 6.031 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 649 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1519 | XXXXXX | 6.4211 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 653 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 6.1718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
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