Clayton Rating Agency ATR QM Data Fields


Client Name:		PennyMac

Client Project Name:		PNMAC PMTLT 2026-INV7_J17055

Rating Agency ATR QM Data Fields

Loans in Report:		489

Deal
ID

Loan

Number

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

QM: Safe Harbor (APOR)

XXXXXX

Yes

5928

XXXXXX

6.704

Employed

Unemployed

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

8506.95

XXXXXX

7.468

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4075.25

XXXXXX

6.65

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6672

XXXXXX

6.776

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

8119.25

XXXXXX

6.192

Employed

(No Data)

U.S. Citizen

(No Data)

1217

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4573.99

XXXXXX

6.106

Employed

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.624

Employed

Non-Permanent Resident Alien

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.75

Retired

U.S. Citizen

Permanent Resident Alien

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7448

XXXXXX

6.224

Employed

Unemployed

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

6.75

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

11502.69

XXXXXX

6.809

Retired

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4049.78

XXXXXX

6.588

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

Unemployed

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6926.75

XXXXXX

6.615

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

8680.19

XXXXXX

6.407

Unemployed

Employed

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

11038.74

XXXXXX

6.076

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5739

XXXXXX

6.952

Employed

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2888

XXXXXX

6.86

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4379.15

XXXXXX

7.05

Employed

Retired

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

Permanent Resident Alien

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

(No Data)

Permanent Resident Alien

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4415.68

XXXXXX

6.398

Employed

Retired

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

6.75

Employed

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.125

Employed

Unemployed

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3473

XXXXXX

6.663

Employed

(No Data)

Permanent Resident Alien

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

Non-Permanent Resident Alien

Permanent Resident Alien

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

(No Data)

Permanent Resident Alien

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4974

XXXXXX

6.798

Employed

Retired

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.697

Employed

Unemployed

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7367.75

XXXXXX

6.242

Retired

U.S. Citizen

(No Data)

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

100

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

U.S. Citizen

(No Data)

102

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

113

XXXXXX

ATR/QM: Exempt

XXXXXX

5.999

Employed

U.S. Citizen

(No Data)

114

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3167.75

XXXXXX

6.904

Employed

(No Data)

U.S. Citizen

(No Data)

1218

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.127

Employed

Retired

U.S. Citizen

(No Data)

118

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

127

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

128

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

U.S. Citizen

(No Data)

130

XXXXXX

ATR/QM: Exempt

XXXXXX

7.25

Employed

(No Data)

U.S. Citizen

(No Data)

134

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

135

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

8532.56

XXXXXX

6.542

Employed

(No Data)

U.S. Citizen

(No Data)

140

XXXXXX

ATR/QM: Exempt

XXXXXX

6.75

Employed

(No Data)

U.S. Citizen

(No Data)

143

XXXXXX

ATR/QM: Exempt

XXXXXX

6.5

Employed

U.S. Citizen

(No Data)

144

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4631.75

XXXXXX

6.363

Employed

(No Data)

U.S. Citizen

(No Data)

146

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

U.S. Citizen

(No Data)

148

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.3

Employed

U.S. Citizen

(No Data)

151

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

11071.61

XXXXXX

7.451

Employed

U.S. Citizen

(No Data)

153

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

U.S. Citizen

(No Data)

165

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

7.738

Employed

U.S. Citizen

(No Data)

166

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

Unemployed

U.S. Citizen

(No Data)

168

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Retired

(No Data)

U.S. Citizen

(No Data)

169

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

15595.54

XXXXXX

7.169

Employed

(No Data)

U.S. Citizen

(No Data)

170

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

(No Data)

Permanent Resident Alien

(No Data)

171

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5174

XXXXXX

6.236

Employed

U.S. Citizen

(No Data)

174

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

U.S. Citizen

(No Data)

175

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

178

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

181

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

U.S. Citizen

(No Data)

183

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Retired

(No Data)

U.S. Citizen

(No Data)

185

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6974

XXXXXX

6.786

Employed

(No Data)

U.S. Citizen

(No Data)

187

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5325

XXXXXX

6.4

Retired

U.S. Citizen

(No Data)

189

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.75

Retired

U.S. Citizen

(No Data)

190

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6637.5

XXXXXX

6.439

Employed

U.S. Citizen

(No Data)

193

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

195

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6094

XXXXXX

6.77

Employed

Unemployed

U.S. Citizen

(No Data)

198

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.999

Employed

(No Data)

U.S. Citizen

(No Data)

199

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5714

XXXXXX

6.716

Employed

(No Data)

U.S. Citizen

(No Data)

200

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3390

XXXXXX

6.277

Employed

U.S. Citizen

(No Data)

201

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2769

XXXXXX

6.566

Retired

Employed

U.S. Citizen

(No Data)

204

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

895

XXXXXX

6.241

Unemployed

Employed

U.S. Citizen

(No Data)

208

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

U.S. Citizen

(No Data)

209

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1108

XXXXXX

6.944

Employed

U.S. Citizen

(No Data)

211

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

U.S. Citizen

(No Data)

212

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

U.S. Citizen

(No Data)

213

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

U.S. Citizen

Permanent Resident Alien

(No Data)

217

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.499

Employed

(No Data)

U.S. Citizen

(No Data)

219

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1895

XXXXXX

7.335

Employed

(No Data)

U.S. Citizen

(No Data)

220

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

Unemployed

U.S. Citizen

(No Data)

223

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

224

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

231

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3982

XXXXXX

6.401

Retired

Employed

U.S. Citizen

(No Data)

233

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2988.5

XXXXXX

6.886

Employed

Permanent Resident Alien

U.S. Citizen

(No Data)

235

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Retired

U.S. Citizen

(No Data)

236

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.153

Employed

(No Data)

U.S. Citizen

(No Data)

237

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1574

XXXXXX

6.664

Employed

Unemployed

U.S. Citizen

(No Data)

239

XXXXXX

ATR/QM: Status Pending

XXXXXX

Yes

3890.63

XXXXXX

6.145

Employed

(No Data)

U.S. Citizen

(No Data)

240

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.624

Employed

(No Data)

U.S. Citizen

(No Data)

242

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

U.S. Citizen

(No Data)

243

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1574

XXXXXX

6.666

Employed

U.S. Citizen

(No Data)

244

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

U.S. Citizen

(No Data)

245

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

U.S. Citizen

(No Data)

247

XXXXXX

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

7297.81

XXXXXX

7.119

Employed

Unemployed

U.S. Citizen

(No Data)

248

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.624

Employed

(No Data)

Permanent Resident Alien

(No Data)

251

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.323

Employed

Unemployed

U.S. Citizen

(No Data)

253

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

U.S. Citizen

(No Data)

254

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4185.46

XXXXXX

7.103

Retired

(No Data)

U.S. Citizen

(No Data)

255

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Unemployed

Employed

U.S. Citizen

(No Data)

256

XXXXXX

ATR/QM: Exempt

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

257

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Employed

(No Data)

U.S. Citizen

(No Data)

258

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

259

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.695

Employed

(No Data)

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

260

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6322.8

XXXXXX

6.761

Employed

U.S. Citizen

(No Data)

261

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

263

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

(No Data)

U.S. Citizen

(No Data)

264

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3755.35

XXXXXX

7.168

Employed

(No Data)

U.S. Citizen

(No Data)

265

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

999

XXXXXX

6.402

Employed

(No Data)

U.S. Citizen

(No Data)

268

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7375.42

XXXXXX

6.867

Employed

(No Data)

U.S. Citizen

(No Data)

269

XXXXXX

ATR/QM: Exempt

XXXXXX

6.875

Employed

(No Data)

U.S. Citizen

(No Data)

270

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2618.5

XXXXXX

6.652

Employed

U.S. Citizen

(No Data)

272

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2224

XXXXXX

6.192

Employed

U.S. Citizen

(No Data)

273

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

U.S. Citizen

(No Data)

274

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.499

Employed

(No Data)

U.S. Citizen

(No Data)

275

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1905

XXXXXX

7.457

Employed

(No Data)

U.S. Citizen

(No Data)

277

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

(No Data)

U.S. Citizen

(No Data)

278

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1977.78

XXXXXX

6.685

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

3772.68

284

XXXXXX

ATR/QM: Exempt

XXXXXX

6.124

Retired

U.S. Citizen

(No Data)

285

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

286

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

287

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1684

XXXXXX

6.949

Employed

(No Data)

Permanent Resident Alien

(No Data)

290

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

U.S. Citizen

(No Data)

291

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1695

XXXXXX

7.487

Employed

U.S. Citizen

(No Data)

298

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7361.88

XXXXXX

6.82

Employed

(No Data)

U.S. Citizen

(No Data)

299

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3971.25

XXXXXX

6.925

Employed

(No Data)

U.S. Citizen

(No Data)

1216

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

(No Data)

U.S. Citizen

(No Data)

300

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.414

Employed

(No Data)

U.S. Citizen

(No Data)

301

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3839.85

XXXXXX

6.425

Unemployed

Employed

U.S. Citizen

(No Data)

304

XXXXXX

ATR/QM: Exempt

XXXXXX

6.662

Employed

(No Data)

U.S. Citizen

(No Data)

306

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1790

XXXXXX

6.594

Employed

U.S. Citizen

(No Data)

308

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

695

XXXXXX

6.452

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

19203.8

309

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1348

XXXXXX

6.629

Employed

(No Data)

U.S. Citizen

(No Data)

311

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

U.S. Citizen

(No Data)

315

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

1221

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

Employed

Unemployed

U.S. Citizen

(No Data)

325

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

Permanent Resident Alien

(No Data)

327

XXXXXX

ATR/QM: Exempt

XXXXXX

5.99

Employed

(No Data)

U.S. Citizen

(No Data)

331

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1700

XXXXXX

6.915

Employed

U.S. Citizen

(No Data)

332

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

333

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2753.8

XXXXXX

6.636

Employed

U.S. Citizen

(No Data)

334

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5550

XXXXXX

6.696

Employed

U.S. Citizen

(No Data)

337

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Retired

(No Data)

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

338

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.313

Employed

U.S. Citizen

(No Data)

339

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1195

XXXXXX

6.685

Employed

(No Data)

U.S. Citizen

(No Data)

342

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1825

XXXXXX

6.776

Employed

(No Data)

U.S. Citizen

(No Data)

347

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.49

Employed

(No Data)

U.S. Citizen

(No Data)

350

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1640

XXXXXX

6.165

Retired

(No Data)

U.S. Citizen

(No Data)

351

XXXXXX

ATR/QM: Status Pending

XXXXXX

Yes

3690

XXXXXX

6.472

Employed

(No Data)

U.S. Citizen

(No Data)

353

XXXXXX

Non-QM: Lender documented all ATR UW factors

XXXXXX

Yes

7993.19

XXXXXX

6.819

Employed

(No Data)

U.S. Citizen

(No Data)

355

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

356

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

U.S. Citizen

(No Data)

357

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2190

XXXXXX

7.365

Employed

(No Data)

U.S. Citizen

(No Data)

362

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3839.41

XXXXXX

6.653

Employed

U.S. Citizen

(No Data)

364

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.224

Employed

U.S. Citizen

(No Data)

365

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6682.67

XXXXXX

6.616

Employed

(No Data)

U.S. Citizen

(No Data)

367

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

22058.72

XXXXXX

6.712

Employed

U.S. Citizen

(No Data)

369

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

950

XXXXXX

7.005

Employed

(No Data)

U.S. Citizen

(No Data)

370

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3011.7

XXXXXX

6.75

Employed

U.S. Citizen

(No Data)

Yes

10109.02

373

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1620

XXXXXX

6.442

Employed

(No Data)

U.S. Citizen

(No Data)

377

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2270

XXXXXX

6.183

Employed

(No Data)

U.S. Citizen

(No Data)

382

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4929

XXXXXX

7.173

Retired

U.S. Citizen

(No Data)

383

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1040

XXXXXX

6.4

Employed

Unemployed

U.S. Citizen

(No Data)

385

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1225

XXXXXX

6.743

Employed

U.S. Citizen

(No Data)

387

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.899

Employed

U.S. Citizen

(No Data)

388

XXXXXX

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

4495.52

XXXXXX

7.553

Employed

U.S. Citizen

(No Data)

393

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

725

XXXXXX

6.893

Retired

U.S. Citizen

(No Data)

394

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2307.5

XXXXXX

6.905

Employed

(No Data)

U.S. Citizen

(No Data)

395

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

U.S. Citizen

(No Data)

396

XXXXXX

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

5.37

XXXXXX

7.508

Employed

Unemployed

U.S. Citizen

(No Data)

403

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

U.S. Citizen

(No Data)

407

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

409

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.504

Employed

(No Data)

U.S. Citizen

(No Data)

410

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

12637.91

XXXXXX

6.668

Employed

(No Data)

U.S. Citizen

(No Data)

1222

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

6.795

Employed

(No Data)

Permanent Resident Alien

(No Data)

413

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3243.03

XXXXXX

6.553

Retired

(No Data)

U.S. Citizen

(No Data)

415

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1200

XXXXXX

7.523

Employed

U.S. Citizen

(No Data)

416

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.25

Employed

(No Data)

U.S. Citizen

(No Data)

417

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.125

Employed

U.S. Citizen

(No Data)

421

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.606

Retired

(No Data)

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

423

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

U.S. Citizen

(No Data)

431

XXXXXX

ATR/QM: Exempt

XXXXXX

6.5

Retired

U.S. Citizen

(No Data)

433

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

950

XXXXXX

6.929

Employed

(No Data)

U.S. Citizen

(No Data)

434

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

439

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

440

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

Permanent Resident Alien

(No Data)

442

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

U.S. Citizen

(No Data)

443

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.626

Employed

(No Data)

U.S. Citizen

(No Data)

451

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

9079

XXXXXX

6.543

Employed

U.S. Citizen

(No Data)

452

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3051

XXXXXX

7.264

Employed

U.S. Citizen

(No Data)

453

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Retired

U.S. Citizen

(No Data)

454

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2725

XXXXXX

6.536

Employed

U.S. Citizen

(No Data)

455

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

U.S. Citizen

(No Data)

457

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

458

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

460

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.81

Employed

(No Data)

U.S. Citizen

(No Data)

466

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2184.95

XXXXXX

5.77

Employed

U.S. Citizen

(No Data)

468

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.75

Employed

(No Data)

U.S. Citizen

(No Data)

470

XXXXXX

ATR/QM: Exempt

XXXXXX

6.125

Employed

Unemployed

U.S. Citizen

(No Data)

474

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

4.99

Retired

(No Data)

U.S. Citizen

(No Data)

475

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

4.99

Retired

U.S. Citizen

(No Data)

478

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

4.99

Employed

(No Data)

U.S. Citizen

(No Data)

481

XXXXXX

ATR/QM: Exempt

XXXXXX

5.75

Employed

(No Data)

Permanent Resident Alien

(No Data)

482

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

4.99

Retired

U.S. Citizen

(No Data)

485

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

250

XXXXXX

6.526

Employed

(No Data)

U.S. Citizen

(No Data)

487

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.043

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

491

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

4.99

Employed

Permanent Resident Alien

Non-Permanent Resident Alien

(No Data)

492

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

4.99

Employed

(No Data)

U.S. Citizen

(No Data)

495

XXXXXX

ATR/QM: Exempt

XXXXXX

6.563

Employed

U.S. Citizen

(No Data)

504

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1450

XXXXXX

6.21

Employed

U.S. Citizen

(No Data)

508

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

Unemployed

U.S. Citizen

(No Data)

510

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

U.S. Citizen

(No Data)

511

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3502.28

XXXXXX

6.269

Unemployed

Employed

U.S. Citizen

(No Data)

512

XXXXXX

ATR/QM: Exempt

XXXXXX

6.535

Employed

(No Data)

U.S. Citizen

(No Data)

513

XXXXXX

ATR/QM: Exempt

XXXXXX

6.125

Employed

U.S. Citizen

(No Data)

519

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6507

XXXXXX

6.494

Employed

(No Data)

U.S. Citizen

(No Data)

520

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3549.23

XXXXXX

6.318

Employed

(No Data)

U.S. Citizen

(No Data)

522

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1450

XXXXXX

7.42

Employed

(No Data)

U.S. Citizen

(No Data)

531

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2275

XXXXXX

7.326

Employed

(No Data)

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

532

XXXXXX

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

1977.15

XXXXXX

7.716

Retired

U.S. Citizen

(No Data)

533

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

537

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

8173.67

XXXXXX

7.421

Employed

U.S. Citizen

(No Data)

545

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1195

XXXXXX

6.275

Employed

(No Data)

U.S. Citizen

(No Data)

550

XXXXXX

ATR/QM: Exempt

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

551

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

553

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.78

Employed

(No Data)

U.S. Citizen

(No Data)

554

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

557

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.663

Employed

(No Data)

U.S. Citizen

(No Data)

561

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

564

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1285

XXXXXX

6.283

Employed

U.S. Citizen

(No Data)

567

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

914

XXXXXX

7.037

Employed

(No Data)

U.S. Citizen

(No Data)

569

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1350

XXXXXX

6.204

Employed

(No Data)

U.S. Citizen

(No Data)

570

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1250

XXXXXX

6.308

Unemployed

Employed

U.S. Citizen

(No Data)

573

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

6.581

Employed

U.S. Citizen

(No Data)

575

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

Permanent Resident Alien

(No Data)

580

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

582

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

U.S. Citizen

Permanent Resident Alien

(No Data)

584

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

8010

XXXXXX

6.69

Retired

U.S. Citizen

(No Data)

585

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3105

XXXXXX

6.47

Employed

Unemployed

U.S. Citizen

(No Data)

589

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1780

XXXXXX

7.001

Employed

(No Data)

U.S. Citizen

(No Data)

591

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

(No Data)

U.S. Citizen

(No Data)

594

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

596

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

12442.58

XXXXXX

6.475

Employed

U.S. Citizen

(No Data)

599

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

U.S. Citizen

(No Data)

601

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.132

Employed

(No Data)

U.S. Citizen

(No Data)

609

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

612

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4408.03

XXXXXX

6.585

Employed

Unemployed

U.S. Citizen

(No Data)

613

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

8410.88

XXXXXX

6.438

Employed

(No Data)

U.S. Citizen

(No Data)

615

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1195

XXXXXX

6.551

Employed

(No Data)

U.S. Citizen

(No Data)

616

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

620

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.49

Employed

(No Data)

U.S. Citizen

(No Data)

621

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

629

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1295

XXXXXX

7.722

Employed

U.S. Citizen

(No Data)

632

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2959.5

XXXXXX

7.018

Employed

(No Data)

U.S. Citizen

(No Data)

636

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7794.8

XXXXXX

6.63

Employed

Unemployed

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

637

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

U.S. Citizen

(No Data)

638

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4233.28

XXXXXX

7.251

Employed

(No Data)

U.S. Citizen

(No Data)

640

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Employed

(No Data)

U.S. Citizen

(No Data)

643

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.106

Employed

U.S. Citizen

(No Data)

646

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

650.24

XXXXXX

6.845

Employed

Unemployed

U.S. Citizen

(No Data)

647

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6462

XXXXXX

6.236

Retired

Unemployed

U.S. Citizen

(No Data)

648

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7872

XXXXXX

6.607

Employed

(No Data)

U.S. Citizen

(No Data)

651

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Unemployed

(No Data)

U.S. Citizen

(No Data)

655

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1195

XXXXXX

7.24

Employed

(No Data)

U.S. Citizen

(No Data)

660

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2175

XXXXXX

6.185

Employed

U.S. Citizen

(No Data)

661

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

U.S. Citizen

(No Data)

669

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1998

XXXXXX

6.604

Employed

Retired

U.S. Citizen

(No Data)

670

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.063

Employed

(No Data)

U.S. Citizen

(No Data)

1223

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

U.S. Citizen

(No Data)

677

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1289

XXXXXX

6.932

Employed

(No Data)

U.S. Citizen

(No Data)

679

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Retired

(No Data)

U.S. Citizen

(No Data)

681

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

U.S. Citizen

(No Data)

684

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1445

XXXXXX

6.539

Employed

U.S. Citizen

(No Data)

687

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1330

XXXXXX

6.286

Employed

(No Data)

U.S. Citizen

(No Data)

689

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

691

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

16226

XXXXXX

7.079

Employed

(No Data)

U.S. Citizen

(No Data)

696

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1845

XXXXXX

7.263

Employed

(No Data)

U.S. Citizen

(No Data)

699

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2857.6

XXXXXX

6.985

Employed

(No Data)

U.S. Citizen

(No Data)

700

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

703

XXXXXX

ATR/QM: Exempt

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

706

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

U.S. Citizen

(No Data)

710

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5671.56

XXXXXX

6.89

Employed

(No Data)

U.S. Citizen

(No Data)

711

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.21

Employed

U.S. Citizen

(No Data)

713

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7635

XXXXXX

6.611

Employed

(No Data)

U.S. Citizen

(No Data)

718

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1700

XXXXXX

6.602

Unemployed

Employed

U.S. Citizen

(No Data)

719

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

Unemployed

U.S. Citizen

(No Data)

722

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Retired

U.S. Citizen

(No Data)

724

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7376.75

XXXXXX

6.274

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

728

XXXXXX

ATR/QM: Exempt

XXXXXX

6.25

Employed

U.S. Citizen

(No Data)

730

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1990

XXXXXX

6.546

Employed

(No Data)

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

731

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1895.6

XXXXXX

6.324

Employed

(No Data)

U.S. Citizen

(No Data)

732

XXXXXX

ATR/QM: Exempt

XXXXXX

5.75

Employed

U.S. Citizen

(No Data)

736

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

U.S. Citizen

(No Data)

738

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

740

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1464.95

XXXXXX

7.124

Employed

U.S. Citizen

(No Data)

742

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Employed

Unemployed

U.S. Citizen

(No Data)

745

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1880

XXXXXX

7.425

Employed

Unemployed

U.S. Citizen

(No Data)

Yes

18646.32

749

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

751

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

992.17

XXXXXX

6.674

Employed

(No Data)

U.S. Citizen

(No Data)

754

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.49

Unemployed

(No Data)

U.S. Citizen

(No Data)

756

XXXXXX

ATR/QM: Exempt

XXXXXX

6.124

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

757

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

U.S. Citizen

(No Data)

758

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

U.S. Citizen

(No Data)

761

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7184.22

XXXXXX

7.111

Employed

(No Data)

U.S. Citizen

(No Data)

762

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.75

Employed

(No Data)

U.S. Citizen

(No Data)

764

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.75

Employed

(No Data)

U.S. Citizen

(No Data)

772

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

773

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

Permanent Resident Alien

(No Data)

777

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1570

XXXXXX

7.109

Employed

U.S. Citizen

(No Data)

780

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

781

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

782

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

U.S. Citizen

(No Data)

786

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1615

XXXXXX

6.667

Employed

Unemployed

U.S. Citizen

(No Data)

787

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1645

XXXXXX

6.572

Employed

Unemployed

U.S. Citizen

(No Data)

788

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.556

Employed

(No Data)

U.S. Citizen

(No Data)

789

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1990

XXXXXX

6.489

Employed

U.S. Citizen

(No Data)

790

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.039

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

792

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.375

Employed

Permanent Resident Alien

Non-Permanent Resident Alien

(No Data)

795

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1495

XXXXXX

6.485

Employed

U.S. Citizen

(No Data)

796

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

U.S. Citizen

(No Data)

797

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

875

XXXXXX

6.323

Employed

U.S. Citizen

(No Data)

799

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2145

XXXXXX

6.622

Employed

Retired

U.S. Citizen

(No Data)

805

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4293.38

XXXXXX

5.932

Employed

U.S. Citizen

(No Data)

807

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1890

XXXXXX

6.545

Retired

U.S. Citizen

(No Data)

808

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4575.25

XXXXXX

6.31

Employed

Unemployed

U.S. Citizen

(No Data)

809

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.75

Retired

Employed

U.S. Citizen

(No Data)

810

XXXXXX

ATR/QM: Exempt

XXXXXX

5.99

Employed

(No Data)

U.S. Citizen

(No Data)

816

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

7.123

Employed

U.S. Citizen

(No Data)

819

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.49

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

Deal
ID

Loan

Number

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

821

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.93

Employed

Unemployed

U.S. Citizen

(No Data)

823

XXXXXX

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

3026.25

XXXXXX

7.6

Employed

U.S. Citizen

(No Data)

825

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.625

Employed

Unemployed

U.S. Citizen

(No Data)

826

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

U.S. Citizen

(No Data)

827

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1965

XXXXXX

6.556

Employed

Retired

U.S. Citizen

(No Data)

828

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.99

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

830

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

7.26

Employed

Unemployed

U.S. Citizen

(No Data)

836

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

837

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

841

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

4.99

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

842

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.75

Employed

(No Data)

Permanent Resident Alien

(No Data)

844

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

4.99

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

845

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.255

Employed

Unemployed

U.S. Citizen

(No Data)

846

XXXXXX

ATR/QM: Exempt

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

855

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3621.72

XXXXXX

7.094

Employed

U.S. Citizen

(No Data)

858

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2359

XXXXXX

6.447

Retired

(No Data)

U.S. Citizen

(No Data)

861

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

863

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.49

Retired

U.S. Citizen

(No Data)

870

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

Unemployed

U.S. Citizen

(No Data)

876

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

995

XXXXXX

6.317

Employed

(No Data)

U.S. Citizen

(No Data)

878

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

879

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.99

Employed

U.S. Citizen

(No Data)

887

XXXXXX

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

1992.12

XXXXXX

7.682

Employed

U.S. Citizen

(No Data)

Yes

4652.74

890

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6060.95

XXXXXX

6.937

Employed

(No Data)

U.S. Citizen

(No Data)

891

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1150

XXXXXX

6.653

Employed

Unemployed

U.S. Citizen

(No Data)

894

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1845

XXXXXX

7.606

Employed

U.S. Citizen

(No Data)

900

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

(No Data)

U.S. Citizen

(No Data)

903

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.625

Employed

(No Data)

U.S. Citizen

(No Data)

905

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1745

XXXXXX

6.47

Employed

U.S. Citizen

(No Data)

907

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6759.8

XXXXXX

7.409

Employed

U.S. Citizen

(No Data)

910

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

Employed

(No Data)

Permanent Resident Alien

(No Data)

917

XXXXXX

ATR/QM: Exempt

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

921

XXXXXX

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

7281.84

XXXXXX

8.373

Employed

U.S. Citizen

(No Data)

928

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

U.S. Citizen

(No Data)

930

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.051

Employed

Unemployed

U.S. Citizen

(No Data)

936

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

(No Data)

U.S. Citizen

(No Data)

938

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1745

XXXXXX

7.425

Employed

(No Data)

U.S. Citizen

(No Data)

939

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

7.722

Employed

(No Data)

U.S. Citizen

(No Data)

941

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.125

Employed

(No Data)

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

943

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1540

XXXXXX

7.294

Unemployed

U.S. Citizen

(No Data)

945

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

947

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Employed

(No Data)

U.S. Citizen

(No Data)

948

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2637

XXXXXX

6.509

Employed

(No Data)

U.S. Citizen

(No Data)

956

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1905

XXXXXX

6.169

Retired

(No Data)

U.S. Citizen

(No Data)

958

XXXXXX

ATR/QM: Exempt

XXXXXX

6.5

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

962

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.276

Employed

U.S. Citizen

(No Data)

963

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

965

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1382.7

XXXXXX

7.328

Employed

U.S. Citizen

(No Data)

968

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1370

XXXXXX

7.743

Employed

Unemployed

U.S. Citizen

(No Data)

970

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.49

Employed

(No Data)

U.S. Citizen

(No Data)

971

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

6.258

Employed

Unemployed

U.S. Citizen

(No Data)

974

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.322

Employed

Permanent Resident Alien

U.S. Citizen

(No Data)

975

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

983

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

710.19

XXXXXX

6.606

Employed

(No Data)

U.S. Citizen

(No Data)

988

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

8789.14

XXXXXX

6.561

Employed

Unemployed

U.S. Citizen

(No Data)

990

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1895

XXXXXX

6.847

Employed

Unemployed

U.S. Citizen

(No Data)

991

XXXXXX

ATR/QM: Exempt

XXXXXX

6.49

Employed

(No Data)

U.S. Citizen

(No Data)

994

XXXXXX

ATR/QM: Exempt

XXXXXX

Employed

U.S. Citizen

(No Data)

997

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

6471.78

XXXXXX

7.009

Retired

U.S. Citizen

(No Data)

1000

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

(No Data)

U.S. Citizen

(No Data)

1001

XXXXXX

ATR/QM: Exempt

XXXXXX

7.625

Retired

U.S. Citizen

(No Data)

1006

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

Employed

U.S. Citizen

(No Data)

1009

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Employed

(No Data)

U.S. Citizen

(No Data)

1011

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1544

XXXXXX

6.945

Employed

(No Data)

U.S. Citizen

(No Data)

1013

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4856.74

XXXXXX

7.703

Employed

(No Data)

U.S. Citizen

(No Data)

1016

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2105

XXXXXX

7.254

Employed

(No Data)

U.S. Citizen

(No Data)

1019

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Employed

(No Data)

U.S. Citizen

(No Data)

1020

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.91

Employed

(No Data)

U.S. Citizen

(No Data)

1025

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.875

Employed

U.S. Citizen

(No Data)

1028

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3315

XXXXXX

7.418

Employed

(No Data)

U.S. Citizen

(No Data)

1029

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

10825

XXXXXX

6.641

Retired

Employed

U.S. Citizen

(No Data)

1033

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.875

Employed

(No Data)

U.S. Citizen

(No Data)

1035

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

1039

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7810

XXXXXX

6.406

Employed

(No Data)

U.S. Citizen

(No Data)

1042

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1598

XXXXXX

6.845

Retired

(No Data)

U.S. Citizen

(No Data)

1044

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.49

Employed

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

1046

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.99

Employed

Unemployed

U.S. Citizen

(No Data)

1047

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1270

XXXXXX

7.01

Employed

(No Data)

U.S. Citizen

(No Data)

1050

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.99

Employed

U.S. Citizen

(No Data)

1051

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

1052

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.625

Employed

Permanent Resident Alien

(No Data)

1059

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

8.308

Employed

(No Data)

U.S. Citizen

(No Data)

1061

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

7.781

Employed

(No Data)

U.S. Citizen

(No Data)

1063

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1463

XXXXXX

7.265

Employed

Unemployed

U.S. Citizen

(No Data)

1064

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.125

Employed

U.S. Citizen

Permanent Resident Alien

(No Data)

1065

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

U.S. Citizen

(No Data)

1069

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

7224.64

XXXXXX

7.574

Employed

Unemployed

U.S. Citizen

(No Data)

1070

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4066.75

XXXXXX

7.378

Employed

U.S. Citizen

Permanent Resident Alien

(No Data)

1073

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1830

XXXXXX

7.253

Employed

(No Data)

U.S. Citizen

(No Data)

1075

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

U.S. Citizen

(No Data)

1078

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.125

Unemployed

Employed

U.S. Citizen

(No Data)

1082

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

1085

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Employed

(No Data)

U.S. Citizen

(No Data)

1086

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2289

XXXXXX

7.234

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

6768.89

1087

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

6.269

Employed

U.S. Citizen

(No Data)

1089

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.5

Employed

(No Data)

U.S. Citizen

(No Data)

1091

XXXXXX

ATR/QM: Exempt

XXXXXX

6.375

Employed

U.S. Citizen

(No Data)

1092

XXXXXX

ATR/QM: Exempt

XXXXXX

6.449

Employed

Unemployed

U.S. Citizen

(No Data)

1093

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

U.S. Citizen

(No Data)

1094

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1250

XXXXXX

6.577

Employed

(No Data)

U.S. Citizen

(No Data)

1096

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1350

XXXXXX

6.521

Unemployed

Employed

U.S. Citizen

(No Data)

1097

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

1099

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1250

XXXXXX

6.643

Employed

U.S. Citizen

(No Data)

1111

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.75

Employed

U.S. Citizen

(No Data)

1113

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3242.5

XXXXXX

7.064

Employed

U.S. Citizen

(No Data)

1115

XXXXXX

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

1350

XXXXXX

7.721

Unemployed

Employed

U.S. Citizen

(No Data)

1116

XXXXXX

ATR/QM: Exempt

XXXXXX

5.99

Employed

(No Data)

U.S. Citizen

(No Data)

1219

XXXXXX

ATR/QM: Exempt

XXXXXX

6.625

Employed

(No Data)

Permanent Resident Alien

(No Data)

1119

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

U.S. Citizen

(No Data)

1121

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

Unemployed

U.S. Citizen

(No Data)

1123

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1805

XXXXXX

7.034

Employed

(No Data)

U.S. Citizen

(No Data)

1124

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

6.875

Employed

U.S. Citizen

(No Data)

1220

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5714.19

XXXXXX

6.43

Employed

(No Data)

U.S. Citizen

(No Data)

1135

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.25

Retired

(No Data)

U.S. Citizen

(No Data)

Deal
ID

Loan

Number

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

1136

XXXXXX

ATR/QM: Exempt

XXXXXX

6.375

Employed

Unemployed

Permanent Resident Alien

(No Data)

1137

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1895

XXXXXX

6.939

Retired

(No Data)

U.S. Citizen

(No Data)

1138

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.875

Employed

(No Data)

U.S. Citizen

(No Data)

1141

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.49

Employed

U.S. Citizen

(No Data)

1143

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

4163.5

XXXXXX

7.372

Employed

U.S. Citizen

(No Data)

1146

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.553

Employed

(No Data)

U.S. Citizen

(No Data)

1149

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

7.25

Employed

U.S. Citizen

(No Data)

1151

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

Unemployed

Permanent Resident Alien

(No Data)

1152

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3160

XXXXXX

7.042

Employed

(No Data)

U.S. Citizen

(No Data)

1154

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1475

XXXXXX

6.296

Employed

(No Data)

U.S. Citizen

(No Data)

1155

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

7.001

Employed

(No Data)

U.S. Citizen

(No Data)

1156

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1750

XXXXXX

6.83

Retired

U.S. Citizen

(No Data)

1158

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.124

Employed

Retired

U.S. Citizen

(No Data)

1161

XXXXXX

ATR/QM: Exempt

XXXXXX

6.375

Employed

U.S. Citizen

(No Data)

1163

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.99

Employed

(No Data)

U.S. Citizen

(No Data)

1166

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5288.5

XXXXXX

7.151

Employed

(No Data)

U.S. Citizen

(No Data)

1169

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2590

XXXXXX

5.906

Retired

U.S. Citizen

(No Data)

1171

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

5.75

Employed

(No Data)

U.S. Citizen

(No Data)

1173

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.5

Employed

(No Data)

U.S. Citizen

(No Data)

1175

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1650

XXXXXX

6.601

Employed

U.S. Citizen

(No Data)

1177

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3006.5

XXXXXX

6.516

Employed

Unemployed

U.S. Citizen

(No Data)

1180

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1395

XXXXXX

7.414

Employed

(No Data)

U.S. Citizen

(No Data)

1183

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2222.05

XXXXXX

7.223

Employed

(No Data)

U.S. Citizen

(No Data)

1184

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2639

XXXXXX

7.195

Employed

U.S. Citizen

(No Data)

1185

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

3988.08

XXXXXX

7.675

Employed

(No Data)

U.S. Citizen

(No Data)

1186

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

2060

XXXXXX

7.07

Employed

(No Data)

U.S. Citizen

(No Data)

1189

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

Unemployed

U.S. Citizen

(No Data)

1191

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.375

Employed

(No Data)

U.S. Citizen

(No Data)

1194

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1467.45

XXXXXX

6.178

Employed

(No Data)

U.S. Citizen

(No Data)

1199

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

1690

XXXXXX

7.025

Unemployed

U.S. Citizen

(No Data)

1202

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

5520

XXXXXX

7.435

Employed

U.S. Citizen

(No Data)

1203

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.99

Employed

U.S. Citizen

(No Data)

1209

XXXXXX

QM: Rebuttable Presumption (APOR)

XXXXXX

Yes

4675.88

XXXXXX

7.885

Retired

(No Data)

U.S. Citizen

(No Data)

1211

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

6.659

Employed

(No Data)

U.S. Citizen

(No Data)

1214

XXXXXX

ATR/QM: Exempt

XXXXXX

Yes

XXXXXX

6.625

Employed

(No Data)

U.S. Citizen

(No Data)

1215

XXXXXX

QM: Safe Harbor (APOR)

XXXXXX

Yes

XXXXXX

6.263

Employed

(No Data)

U.S. Citizen

(No Data)

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