Loan ID Redaction ID Investor 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?
XXXX 1 XXXX 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 Yes Yes         No   Yes Present
XXXX 2 XXXX 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
XXXX 3 XXXX 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
XXXX 4 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2495 7.644 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 23646.46 N/A Employed   No   No  
XXXX 5 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1495 7.402 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 18871.89 N/A Employed   No   No  
XXXX 6 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 38995 6.762 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 62105.92 N/A Employed   No   No  
XXXX 7 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 4910 6.706 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10762.47 N/A Employed   No   No  
XXXX 8 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A Yes N/A Yes N/A Yes N/A Yes N/A Yes 20209.79 N/A Employed   No   Yes Present
XXXX 9 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2685 6.78 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 76236.37 N/A Employed   No   No  
XXXX 10 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 6429.92 7.09 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 20381.37 N/A Employed   No   No  
XXXX 11 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 6940 8.148 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9854.17 N/A Employed   No   No  
XXXX 12 XXXX 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
XXXX 13 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3590 6.678 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 106322.43 N/A Employed   No   No  
XXXX 14 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12215 7.314 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10167.32 Yes Employed   No   No  
XXXX 15 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 13046 6.93 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4817.18 Yes Employed   No   No  
XXXX 16 XXXX 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
XXXX 17 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 2490 7.649 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24084.36 N/A Employed   No   No  
XXXX 18 XXXX 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
XXXX 19 XXXX 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
XXXX 20 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8420 6.896 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9391.59 Yes Employed   No   No  
XXXX 21 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1830.53 7.19 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3055.76 Yes Employed   No   No  
XXXX 22 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Loan Term Exceeds 30 Years No Yes No No No No No No No No No 17295 6.733 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 25146.53 Yes Employed   No   No  
XXXX 23   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 31399.97 N/A Employed   No   Yes Present
XXXX 24   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
XXXX 25 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 9907.5 9.503 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7361.5 Yes Employed   No   No  
XXXX 26 XXXX 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
XXXX 27   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
XXXX 28 XXXX 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 167811.59 N/A Employed   No   Yes Present
XXXX 29 XXXX 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 Yes N/A Yes N/A N/A 14040.99 N/A Employed   No   Yes Present
XXXX 30   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
XXXX 31 XXXX 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
XXXX 32 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 16115 7.1 N/A Yes N/A Yes Yes Yes N/A Yes Yes Yes 14675.33 Yes Employed   No   No  
XXXX 33 XXXX 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
XXXX 34 XXXX XXXX QM: Safe Harbor Verified (V SH) QM: Safe Harbor Verified (V SH) No   No No No No No No No No No No No 3240 7.255 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3753.67 N/A Employed   No   No  
XXXX 35 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 3885 7.744 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9706.75 Yes Employed   No   No  
XXXX 36 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11910.76 7.03 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10493.86 Yes Employed Employed No No No  
XXXX 37 XXXX 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
XXXX 38 XXXX 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
XXXX 39 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX 40 XXXX 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
XXXX 41 XXXX 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
XXXX 42 XXXX 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
XXXX 43 XXXX 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
XXXX 44 XXXX 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
XXXX 45 XXXX 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 35070.54 N/A Employed Employed No No Yes Present
XXXX 46   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
XXXX 47 XXXX 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
XXXX 48 XXXX 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
XXXX 49 XXXX 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
XXXX 50 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 10690 8.116 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4184.44 Yes Employed   No   No  
XXXX 51 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No No 6995 8.673 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7598.66 Yes Employed   No   No  
XXXX 52 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4452.5 7.163 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4977.42 Yes Employed   No   No  
XXXX 53 XXXX 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
XXXX 54 XXXX 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
XXXX 55 XXXX 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
XXXX 56 XXXX 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
XXXX 57 XXXX 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
XXXX 58 XXXX 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
XXXX 59 XXXX 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
XXXX 60 XXXX 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
XXXX 61 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 45950 7.006 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 128040.67 Yes Employed   No   No  
XXXX 62 XXXX 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
XXXX 63 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes No No No No No No No No Yes 7518.05 9.326 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7044.71 Yes Employed   No   No  
XXXX 64 XXXX 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
XXXX 65   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
XXXX 66 XXXX 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
XXXX 67 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 15225.5 7.367 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 227134.77 N/A Employed Not Employed No No No  
XXXX 68 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1495 7.019 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 42305.59 N/A Employed   No   No  
XXXX 69 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21865 7.749 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 45354.33 N/A Employed   No   No  
XXXX 70 XXXX 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
XXXX 71 XXXX 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
XXXX 72 XXXX 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
XXXX 73 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A Yes N/A Yes N/A N/A N/A N/A N/A N/A 79256.51 Yes Employed Employed No No Yes Present
XXXX 74 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 7095 8.274 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9219.42 Yes Employed   No   No  
XXXX 75 XXXX XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11613.8 6.687 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32988.6 Yes Employed   No   No  
XXXX 76 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes No No No No No No No No No 1790 7.568 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6891.96 Yes Employed   No   No  
XXXX 77 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 8935 8.253 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11845.4 N/A Employed   No   No  
XXXX 78 XXXX 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