Loan ID

Investor Loan ID

EDGAR 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?

TRID tested?

REDACTED

197

REDACTED

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

No

REDACTED

198

REDACTED

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

Yes

Present

No

REDACTED

199

REDACTED

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

Yes

Present

No

REDACTED

204

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

No

REDACTED

205

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

No

REDACTED

228

REDACTED

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

Yes

Yes

Present

No

REDACTED

209

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

No

No

No

No

No

No

No

No

No

Yes

26815.54

7.628

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

27276.17

Yes

Employed

No

No

Yes

REDACTED

232

REDACTED

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

Yes

Present

No

REDACTED

213

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

No

No

No

No

No

No

No

No

No

No

6149

7.036

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Employed

Not Employed

No

No

No

Yes

REDACTED

200

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

No

No

Yes

No

No

No

No

No

No

No

No

6188

8.076

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Employed

No

No

Yes

REDACTED

226

REDACTED

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

No

REDACTED

203

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

Not Tested

Yes

No

No

No

No

Yes

No

No

No

Not Tested

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

33129.92

Yes

Employed

No

No

Yes

REDACTED

220

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

Yes

No

No

No

No

No

No

No

No

No

1515

8.267

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

47010.23

Yes

Employed

No

No

Yes

REDACTED

242

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

Yes

N/A

N/A

N/A

N/A

N/A

N/A

Yes

N/A

N/A

No

Yes

Present

No

REDACTED

224

REDACTED

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

Yes

Present

No

REDACTED

210

REDACTED

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

Not Tested

9.386

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

2641.38

N/A

Employed

No

No

Yes

REDACTED

212

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

Yes

No

No

No

No

No

No

No

No

No

0

6.635

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

14382.15

Yes

Employed

No

No

Yes

REDACTED

208

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

No

No

No

No

No

No

No

No

No

No

1395

6.396

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

N/A

Employed

Employed

No

No

No

Yes

REDACTED

211

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

Not Tested

Yes

No

No

No

No

Yes

No

No

No

Not Tested

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

11717.35

Yes

Employed

No

Yes

Present

No

REDACTED

219

REDACTED

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

Yes

Present

No

REDACTED

222

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

No

No

No

No

Yes

No

No

No

No

No

1515

6.647

Yes

Yes

N/A

Yes

Yes

Yes

No

Yes

Yes

N/A

N/A

Employed

No

No

Yes

REDACTED

202

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

Yes

N/A

N/A

Yes

Yes

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

No

REDACTED

201

REDACTED

Non-QM: Lender documented all ATR UW factors

ATR/QM: Exempt

Yes

Not Tested

Yes

No

No

No

No

Yes

No

No

No

Not Tested

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

No

15174.83

Yes

Employed

No

Yes

Present

No

REDACTED

207

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

Not Tested

No

No

No

No

No

Yes

No

No

No

Not Tested

Yes

No

N/A

Yes

N/A

N/A

N/A

N/A

Yes

N/A

28364.56

Yes

Not Employed

Not Employed

No

No

Yes

Present

No

REDACTED

206

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

Not Tested

No

No

No

No

No

Yes

No

No

No

Not Tested

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

28579.87

Yes

Not Employed

Not Employed

No

No

Yes

Present

No

REDACTED

227

REDACTED

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

Yes

Present

No

REDACTED

229

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

No

No

No

No

No

No

No

No

No

No

22400

7.463

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Employed

No

No

Yes

REDACTED

215

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

Yes

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

No

REDACTED

217

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

No

No

No

No

No

No

No

No

No

No

13940

7.052

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Employed

No

No

Yes

REDACTED

216

REDACTED

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

Yes

Present

No

REDACTED

221

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

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

No

REDACTED

240

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

No

Yes

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

No

REDACTED

239

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

No

Yes

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

No

REDACTED

238

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

No

No

No

No

No

No

No

No

No

No

16874.59

6.716

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

N/A

Employed

No

No

Yes

REDACTED

235

REDACTED

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

Yes

Present

No

REDACTED

218

REDACTED

Non-QM: Lender documented all ATR UW factors

ATR/QM: Exempt

Yes

Not Tested

Yes

No

No

No

No

Yes

No

No

No

Not Tested

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

26233.34

Yes

Employed

Not Employed

No

No

Yes

Present

No

REDACTED

225

REDACTED

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

Yes

Present

No

REDACTED

230

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

Not Tested

No

No

No

No

No

Yes

No

No

No

Not Tested

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

26979.05

N/A

Employed

No

Yes

Present

No

REDACTED

231

REDACTED

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

Yes

Present

No

REDACTED

223

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

No

No

No

No

No

No

No

No

No

Yes

54777.11

7.661

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

N/A

Employed

No

No

Yes

REDACTED

233

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

Yes

No

No

No

No

No

No

No

No

No

1795

6.654

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Employed

No

No

Yes

REDACTED

214

REDACTED

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

Yes

Present

No

REDACTED

241

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

Yes

No

No

No

No

No

No

No

No

Yes

38926.19

7.145

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

6924.44

Yes

Retired

No

No

Yes

REDACTED

234

REDACTED

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

No

Yes

No

No

No

No

No

No

No

No

No

8738.75

6.992

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

18525.72

Yes

Employed

No

No

Yes

REDACTED

237

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

Yes

Yes

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Yes

629075.92

Yes

Employed

No

Yes

Present

No

REDACTED

236

REDACTED

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

No

REDACTED

244

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

Not Tested

Yes

No

No

No

No

Yes

No

No

No

Not Tested

Yes

Yes

N/A

Yes

Yes

Yes

No

Yes

Yes

N/A

12929.68

Yes

Employed

No

No

Yes

REDACTED

243

REDACTED

ATR/QM: Exempt

ATR/QM: Exempt

No

Not Tested

No

No

No

No

No

Yes

No

No

No

Not Tested

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

N/A

Employed

No

Yes

Present

No