Exhibit 99.23

 

Client Name:                                
Client Project Name: DRMT 2026-CES2                              
Start - End Dates: 10/06/2025 - 5/5/2026                              
Deal Loan Count: 16                              
                                   
Rating Agency ATR QM Data Fields                          
                                   
Loans in Report:  16                              
                                   
Loan Number Pretium Loan ID 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
XXXXXX 6405917 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10285 XXXXXX 9.2216 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6525353 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 14660 XXXXXX 8.5901 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6520955 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7100 XXXXXX 11.398 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6520956 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 4285 XXXXXX 10.321 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6485026 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 3290.18 XXXXXX 9.6839 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX 6485024 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 3736.5 XXXXXX 8.0668 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6485025 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8499 XXXXXX 9.4694 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6520978 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 9 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
XXXXXX 6520977 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2499 XXXXXX 8.1386 Retired Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX 6520967 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11174.25 XXXXXX 8.5626 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6525361 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 3921.75 XXXXXX 9.3272 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
XXXXXX 6525360 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 3549 XXXXXX 8.4188 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6520968 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5553.41 XXXXXX 9.096 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX 6520959 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 3145 XXXXXX 8.5507 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX 6501294 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12945 XXXXXX 7.1522 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 1500
XXXXXX 6522051 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8995 XXXXXX 8.0576 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) No 2500
 


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