Loan ID

Investor Loan ID

Seller 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?

4000097015

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Retired

Employed

Yes

Present

4000103593

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000110736

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000117484

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

Yes

xxx

N/A

Not Employed

Yes

Present

4000108566

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000115609

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000118031

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000117751

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000116760

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000117739

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000117954

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Not Employed

Yes

Present

4000115916

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Not Employed

Employed

4000116190

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

xxx

Yes

Employed

4000120357

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000120358

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000115051

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000115723

xxx

ATR/QM: Not Applicable

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000119195

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Not Employed

4000113896

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000121278

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Retired

4000121327

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Not Employed

Yes

Present

4000121364

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000114447

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000121138

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000122502

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Not Employed

Employed

Yes

Present

4000119501

xxx

ATR/QM: Not Applicable

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000121483

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000105898

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000120955

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000118631

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000122925

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

xxx

N/A

Employed

4000118758

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000117626

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000121179

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000120174

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Retired

Yes

Present

4000118132

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000121178

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000118369

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000117363

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000120353

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

Yes

Employed

4000120470

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Retired

4000122552

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Retired

Yes

Present

4000121254

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000120956

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000121031

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Not Employed

Employed

4000119757

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000120962

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000120609

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000121146

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000120342

xxx

ATR/QM: Not Applicable

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000118360

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000118950

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

N/A

xxx

N/A

Employed

4000115479

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000120595

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Not Employed

4000121164

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

xxx

N/A

Employed

4000123767

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000123955

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000120829

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Not Employed

4000122215

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000121463

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000124669

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000122128

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Not Employed

4000122178

xxx

ATR/QM: Not Applicable

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000121655

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Retired

4000120828

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000125372

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000120849

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000121477

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

xxx

N/A

Employed

4000125694

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000122691

xxx

ATR/QM: Not Applicable

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000117775

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000125590

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Unknown

Yes

Present

4000123013

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Not Employed

4000123145

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000128165

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000124420

xxx

ATR/QM: Not Applicable

N/A

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000123264

xxx

ATR/QM: Not Applicable

N/A

Yes

N/A

xxx

N/A

Not Employed

Yes

Present

4000127048

xxx

ATR/QM: Not Applicable

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Unknown

Yes

Present

4000126023

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Retired

Yes

Present

4000124328

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000128961

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

xxx

Yes

Employed

4000126227

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Not Employed

Employed

Yes

Present

4000126730

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000125846

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000124088

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000125664

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000129421

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000126502

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000125063

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Unknown

Employed

Yes

Present

4000124777

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000125579

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000125918

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Not Employed

4000128335

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000127025

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

xxx

Yes

Employed

4000129370

xxx

QM: Safe Harbor APOR (APOR SH)

Yes

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Not Employed

Employed

4000128547

xxx

ATR/QM: Not Applicable

Yes

N/A

xxx

N/A

Employed

Yes

Present

4000129072

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

4000126032

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Retired

Yes

Present

4000128304

xxx

ATR/QM: Not Applicable

N/A

xxx

N/A

Employed

Yes

Present

4000129546

xxx

QM: Safe Harbor APOR (APOR SH)

xxx

Yes

N/A

Yes

N/A

Yes

N/A

xxx

N/A

Employed

Not Employed