EXHIBIT 99.3
CLAYTON RATING AGENCY ATR QM DATA FIELDS
| Client Name: | PennyMac | |
| Client Project Name: | PNMAC PMTLT 2026-CNF7 J17172 | |
| Rating Agency ATR QM Data Fields | ||
| Loans in Report: | 281 | |
| 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 | |||||||||||||||||
| 1 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3566.55 | XXXXXX | 6.2313 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 2 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5474 | XXXXXX | 6.1072 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 3 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9474 | XXXXXX | 6.4643 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5462.14 | XXXXXX | 6.0796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 7 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5732 | XXXXXX | 6.0706 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 8 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8489 | XXXXXX | 6.1213 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 11 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 22419 | XXXXXX | 6.5692 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 12 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6568 | XXXXXX | 6.2796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 13 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 22539 | XXXXXX | 6.82 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 15 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8848 | XXXXXX | 6.1741 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 16 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10831.18 | XXXXXX | 6.9716 | Unemployed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 17 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5883.76 | XXXXXX | 6.2116 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 21 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9559 | XXXXXX | 6.1848 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 24 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8858 | XXXXXX | 6.6707 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 25 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9488 | XXXXXX | 6.4268 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 26 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7487.89 | XXXXXX | 6.3484 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 29 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8455.4 | XXXXXX | 6.0472 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 30 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11092.19 | XXXXXX | 6.522 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 31 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7555.25 | XXXXXX | 6.1449 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 34 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12044 | XXXXXX | 6.6942 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 35 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8625.5 | XXXXXX | 6.1854 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 39 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6719.8 | XXXXXX | 6.2186 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 47 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10299 | XXXXXX | 6.2709 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 48 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8972.08 | XXXXXX | 6.3196 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 55 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8913 | XXXXXX | 6.1711 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 56 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4724 | XXXXXX | 5.9986 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 58 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11805 | XXXXXX | 6.5611 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3065 | XXXXXX | 6.0089 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 62 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14976.35 | XXXXXX | 6.3133 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 63 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4854 | XXXXXX | 5.9601 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10074 | XXXXXX | 6.1675 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 68 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5549 | XXXXXX | 6.059 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 70 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8451.5 | XXXXXX | 6.1943 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 71 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3234 | XXXXXX | 5.8271 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13777.12 | XXXXXX | 6.1163 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 74 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9079.12 | XXXXXX | 6.5401 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 77 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6499 | XXXXXX | 6.1733 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 78 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9569 | XXXXXX | 6.2192 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 81 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8146.97 | XXXXXX | 6.1048 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 82 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5061.5 | XXXXXX | 6.4191 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 83 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8634 | XXXXXX | 6.1864 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 87 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5322 | XXXXXX | 6.3842 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 89 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8594 | XXXXXX | 6.4391 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 90 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8522.14 | XXXXXX | 6.2442 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 91 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6628.2 | XXXXXX | 6.3575 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 92 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7775 | XXXXXX | 6.3313 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 96 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9919 | XXXXXX | 6.2779 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 98 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2492.84 | XXXXXX | 5.7958 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 101 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4894.7 | XXXXXX | 6.0185 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 104 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 18759 | XXXXXX | 6.9207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 105 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10916.5 | XXXXXX | 6.3139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 113 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.4547 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 116 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1945 | XXXXXX | 6.259 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 122 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.039 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 124 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1944 | XXXXXX | 6.6583 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 126 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1600 | XXXXXX | 6.1654 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 129 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2789 | XXXXXX | 6.3577 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 134 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.116 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 136 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.2938 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 140 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7497.21 | XXXXXX | 5.8049 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 245 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8770.21 | XXXXXX | 6.5637 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 265 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10217.6 | XXXXXX | 6.2845 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 148 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6760.32 | XXXXXX | 5.8061 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 150 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3929.99 | XXXXXX | 6.2279 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 151 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4545.82 | XXXXXX | 5.752 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 156 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.7534 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 157 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4455.75 | XXXXXX | 6.7039 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 158 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6298.21 | XXXXXX | 6.1346 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 160 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1506 | XXXXXX | 6.0561 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 308 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5187.66 | XXXXXX | 6.0694 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 166 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.7452 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 286 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 5.6576 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 168 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1473.45 | XXXXXX | 6.0276 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 296 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4747.75 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 194 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 5.7818 | Retired | Retired | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 205 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11139.2 | XXXXXX | 6.4 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 175 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.3131 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 680 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.4602 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 681 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 6316.08 | XXXXXX | 6.2841 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 248 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.9059 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 297 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6413.96 | XXXXXX | 6.103 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 182 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3532 | XXXXXX | 6.5812 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 184 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1569 | XXXXXX | 6.0363 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 682 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2283 | XXXXXX | 6.6887 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 193 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3849.8 | XXXXXX | 6.4405 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 11811.92 | |||||||||||||||||
| 196 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.4278 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 171 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8640.67 | XXXXXX | 6.8116 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 202 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5583.26 | XXXXXX | 6.4384 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 204 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4665.15 | XXXXXX | 6.362 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 225 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8666.37 | XXXXXX | 6.6117 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 212 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9982.67 | XXXXXX | 6.0845 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 213 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4707.38 | XXXXXX | 6.2264 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 214 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 7.3418 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 163 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.4327 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 227 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5873.39 | XXXXXX | 6.5445 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 231 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1762.72 | XXXXXX | 6.5231 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 218 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1201 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 234 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7110.1 | XXXXXX | 6.3489 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 683 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1621 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 238 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7039.82 | XXXXXX | 6.0692 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 239 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2215.7 | XXXXXX | 6.6291 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 684 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11548.55 | XXXXXX | 6.2117 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 244 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4658.15 | XXXXXX | 6.6429 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 246 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2265 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 247 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2706.17 | XXXXXX | 6.1034 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 685 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10792.8 | XXXXXX | 6.1201 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 686 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.9145 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 249 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3682.52 | XXXXXX | 6.5442 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 211 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.3387 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 255 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3677.5 | XXXXXX | 6.2313 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 264 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0483 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 293 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9542.5 | XXXXXX | 5.9614 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 210 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 6.5611 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 687 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2168.79 | XXXXXX | 6.4061 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 332 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5449.04 | XXXXXX | 6.4414 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 206 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2499 | XXXXXX | 6.0482 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 309 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7802.4 | XXXXXX | 6.5256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 285 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.0441 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 356 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.009 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 6.1585 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 284 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1162 | XXXXXX | 6.1658 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 299 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2769 | XXXXXX | 6.1421 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 300 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6171.95 | XXXXXX | 5.9424 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 346 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6525.33 | XXXXXX | 6.8131 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 304 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 17382.83 | XXXXXX | 5.8342 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 270 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1589.03 | XXXXXX | 5.8972 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 310 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5038.48 | XXXXXX | 5.9088 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 688 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8081.54 | XXXXXX | 5.9791 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 689 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.6015 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 312 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8352.8 | XXXXXX | 6.1026 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 313 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5657.95 | XXXXXX | 6.0464 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 316 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2199 | XXXXXX | 6.2693 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 318 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2499 | XXXXXX | 6.0832 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 690 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6970.48 | XXXXXX | 6.2694 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 691 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10166.3 | XXXXXX | 6.0327 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 359 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.1142 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 325 | XXXXXX | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3946.27 | XXXXXX | 8.072 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 328 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6155.34 | XXXXXX | 5.9667 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 149 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2639 | XXXXXX | 6.1344 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 334 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1669 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 183 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2157.38 | XXXXXX | 6.3793 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 339 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3432.85 | XXXXXX | 6.291 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 216 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2234.8 | XXXXXX | 6.2392 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 347 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7914.68 | XXXXXX | 7.1805 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 351 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10041.16 | XXXXXX | 6.2493 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 692 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6324.94 | XXXXXX | 6.3238 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 365 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1700 | XXXXXX | 6.1392 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 366 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 5.916 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 22551.67 | |||||||||||||||||
| 367 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.1443 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 369 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 950 | XXXXXX | 6.2933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 371 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2318.95 | XXXXXX | 6.5952 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 372 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1770 | XXXXXX | 6.1793 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 378 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1672.5 | XXXXXX | 6.197 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 382 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1250 | XXXXXX | 6.5161 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 385 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1948 | XXXXXX | 6.0181 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 386 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2135 | XXXXXX | 6.2081 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 390 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1285 | XXXXXX | 5.8989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 392 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1200 | XXXXXX | 6.1556 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 400 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5424.25 | XXXXXX | 6.6245 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 401 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1875 | XXXXXX | 6.566 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 404 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1275 | XXXXXX | 6.0256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 405 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1850 | XXXXXX | 6.6492 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 406 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11371.46 | XXXXXX | 6.134 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 693 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0002 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 407 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7379.73 | XXXXXX | 5.9226 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 408 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1224 | XXXXXX | 6.5809 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 409 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1353 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 411 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1944 | XXXXXX | 6.1997 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 413 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8747 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2130 | XXXXXX | 5.935 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 419 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.2991 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 420 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8274.8 | XXXXXX | 6.4447 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 421 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4025 | XXXXXX | 6.3136 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 424 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.5252 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 425 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2984.65 | XXXXXX | 6.5158 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 427 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7150 | XXXXXX | 7.0164 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 428 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.2974 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 431 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5176 | XXXXXX | 6.2562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 436 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 510 | XXXXXX | 6.4076 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 438 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6190 | XXXXXX | 6.4147 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 440 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3148.5 | XXXXXX | 6.23 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 444 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2947.5 | XXXXXX | 6.1738 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 445 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1825 | XXXXXX | 6.5613 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 449 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7395 | XXXXXX | 6.26 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 453 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1490 | XXXXXX | 5.7926 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 454 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2195 | XXXXXX | 6.5293 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 455 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4030.33 | XXXXXX | 6.0701 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 694 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6499.1 | XXXXXX | 6.0359 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 456 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6108 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 458 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 6.9672 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 460 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2938 | XXXXXX | 6.1448 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 464 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.2789 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 470 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.2381 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 471 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1851.7 | XXXXXX | 6.1952 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 472 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11985.23 | XXXXXX | 7.3718 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 474 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10318.95 | XXXXXX | 6.2401 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 477 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2550 | XXXXXX | 6.726 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 478 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1795 | XXXXXX | 6.6964 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 480 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.0757 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 481 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1949 | XXXXXX | 6.0554 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 484 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 6.3971 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 486 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7275.75 | XXXXXX | 5.964 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 490 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.1804 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 492 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 5.6644 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 493 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.4115 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 496 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4609 | XXXXXX | 6.0661 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 503 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3531.5 | XXXXXX | 6.2377 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 504 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 795 | XXXXXX | 6.2007 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 506 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 6.0996 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 509 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.0352 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 510 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2295 | XXXXXX | 6.424 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 516 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3699.5 | XXXXXX | 5.7126 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 521 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.1748 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 522 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 995 | XXXXXX | 6.1443 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 529 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3740 | XXXXXX | 5.8206 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 531 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2236.5 | XXXXXX | 6.7929 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 534 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1670 | XXXXXX | 6.4149 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 537 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6755 | XXXXXX | 6.9471 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 539 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6845 | XXXXXX | 6.3719 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 542 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1810 | XXXXXX | 6.652 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 544 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13136.75 | XXXXXX | 6.1472 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 548 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8935 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 549 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3125.5 | XXXXXX | 6.1289 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 551 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1709 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 552 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9815 | XXXXXX | 6.3584 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 555 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 22155.14 | XXXXXX | 6.3688 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 695 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1610 | XXXXXX | 6.1692 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 559 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13406.58 | XXXXXX | 6.0173 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 560 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 1295 | XXXXXX | 6.5204 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 564 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9081 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 566 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10492.45 | XXXXXX | 5.922 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 571 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2505 | XXXXXX | 6.545 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 572 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2319 | XXXXXX | 6.0895 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 578 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7728.22 | XXXXXX | 5.9576 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 579 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 6.6591 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 581 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8021.96 | XXXXXX | 6.19 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 583 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1200 | XXXXXX | 6.1703 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 584 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5687.5 | XXXXXX | 6.4793 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 585 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2105 | XXXXXX | 6.4716 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 587 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2775 | XXXXXX | 6.2161 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 588 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1836 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 589 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6789.25 | XXXXXX | 6.0338 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 590 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 330.84 | XXXXXX | 6.3747 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 591 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12909.04 | XXXXXX | 6.8968 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | |||||||||||||||||
| 592 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9860 | XXXXXX | 6.4053 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 | |||||||||||||||||
| 594 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8625.3 | XXXXXX | 6.247 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 595 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5774.86 | XXXXXX | 6.3566 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 596 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1200 | XXXXXX | 6.1563 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 597 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1095 | XXXXXX | 7.2428 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 603 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7099 | XXXXXX | 6.3385 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 696 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3500 | XXXXXX | 6.2155 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 609 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1884 | XXXXXX | 6.5589 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 610 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4220 | XXXXXX | 6.3475 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 611 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5011.25 | XXXXXX | 6.5433 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 613 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5082.5 | XXXXXX | 5.9784 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 616 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1350 | XXXXXX | 6.2832 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 618 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4736.26 | XXXXXX | 6.218 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 619 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3749 | XXXXXX | 6.8412 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 621 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1519 | XXXXXX | 6.9084 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 625 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14610.6 | XXXXXX | 6.1965 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 627 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1145 | XXXXXX | 6.1716 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 633 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10175 | XXXXXX | 6.4271 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 634 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 15000 | XXXXXX | 6.3351 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 639 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13840 | XXXXXX | 6.0343 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 640 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6228.75 | XXXXXX | 6.1029 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 641 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.2986 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 643 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 295 | XXXXXX | 6.3494 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 644 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1694 | XXXXXX | 6.4007 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 645 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 5.895 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 648 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1745 | XXXXXX | 7.0107 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 650 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5975 | XXXXXX | 6.5012 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 651 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.1305 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 653 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1880 | XXXXXX | 6.2988 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 654 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 966.88 | XXXXXX | 5.9104 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 656 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1651 | XXXXXX | 6.0577 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 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 | |||||||||||||||||
| 665 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1620 | XXXXXX | 6.4206 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 668 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1620 | XXXXXX | 6.0086 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | |||||||||||||||||
| 669 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.0234 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 671 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.0498 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 672 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 55 | XXXXXX | 6.0374 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | |||||||||||||||||
| 678 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2095 | XXXXXX | 6.5277 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
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