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| Incenter Loan ID |
Client
Loan ID |
Seller
Loan 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? |
| XXX |
675 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
676 |
|
|
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
Yes |
Yes |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
677 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
759 |
|
|
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
Yes |
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
760 |
|
|
XXX |
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 |
Yes |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
761 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
762 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
763 |
|
|
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
Yes |
Yes |
Yes |
No |
No |
No |
No |
No |
No |
No |
Yes |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
764 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
765 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
766 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
767 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
768 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
No |
N/A |
N/A |
XXX |
N/A |
Not Employed |
Employed |
No |
No |
No |
|
| XXX |
769 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
770 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
Employed |
No |
No |
No |
|
| XXX |
771 |
|
|
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
Yes |
No |
No |
No |
No |
No |
No |
No |
No |
No |
No |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
772 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
773 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
774 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
775 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
Yes |
Employed |
|
No |
|
No |
|
| XXX |
776 |
|
|
XXX |
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 |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
| XXX |
777 |
|
|
XXX |
Non-QM: Lender documented all ATR UW factors |
Non-QM: Lender documented all ATR UW factors |
No |
|
Yes |
No |
Yes |
No |
No |
No |
No |
No |
No |
No |
Yes |
|
|
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
XXX |
N/A |
Employed |
|
No |
|
No |
|
