GS Mortgage Securities Corp. ABS-15G

Exhibit 99.3 - Schedule 3

 

Loan ID Seller Loan ID Investor Loan ID Alt 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 DTI/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?
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710002 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710022 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710033 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710036 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710017 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710024 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710035 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.696 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11844.93 Yes Employed   No   No  
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710006 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710005 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 20865.97 N/A Employed Employed No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710028 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.523 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 45467.44 N/A Retired Not Employed No No No  
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710048 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710044 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710042 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710023 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710051 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710012 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710049 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710009 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No Yes No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 22007.13 N/A Employed   No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710052 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710038 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710021 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710046 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710043 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710045 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710054 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710058 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710032 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710007 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710039 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710014 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.56 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8929.1 N/A Employed   No   No  
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710011 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710030 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 10237.04 N/A Employed   No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710003 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.661 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30053.27 N/A Employed Not Employed No No No  
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710004 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710047 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710018 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.609 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4814.76 Yes Employed   No   No  
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710050 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710010 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710029 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710026 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710041 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710001 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 44750 N/A Employed   No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710040 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 13474.09 N/A Not Employed Employed No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710055 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710056 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710019 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710008 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710027 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.351 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7969 N/A Employed   No   No  
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710031 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710015 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710034 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710013 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710025 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710016 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710037 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710020 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.052 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7180.2 N/A Employed   No   No  
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710057 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXXXXXX XXXXXXXX XXXXXXXX 76320260710053 XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present