Loan ID
Investor Loan ID
Seller Loan ID
Lender Application Date
Originator QM Status
Final QM Status
Originator QM Status Difference than Final QM Status?
Reason Why NonQM Final Status
APR Pricing Threshold Exceeded?
QM DTI Threshold Exceeded?
Higher Priced Mortgage Loan (HPML)?
Negatively Amortizing Loan?
Principal Deferment?
Interest Only Flag?
Prepayment Penalty?
Balloon Flag?
Adjustable Rate Balloon?
Loan Term Less Than 5 Years?
QM Points and Fees Threshold Exceeded?
QM Total Points and Fees
APR
ATR: Qualifying Payment Properly Considered?
ATR: Current Employment/Self-Employment Verified?
ATR: Balloon Qualifying Payment Properly Considered?
ATR: Reasonable Income or Assets Considered?
ATR: Subject PITIA Adequately Documented?
ATR: All Liabilities Including Alimony and Child Support in DTI?
ATR: Simultaneous Loan Calculated Properly
ATR: Credit History was Considered Properly?
ATR: Did Lender Document All ATR Factors?
ATR: Was an ATR/QM Residual Income Analysis Provided?
Residual Income
Residual Income Meets Guidelines?
Borrower 1 Employment Indicator
Borrower 2 Employment Indicator
Borrower 1 Foreign National Indicator
Borrower 2 Foreign National Indicator
Business Purpose Loan?
Business Purpose Verified?
409054754
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409054771
    
xxx
Non-QM: Lender documented all ATR UW factors  
Non-QM: Lender documented all ATR UW factors  
No
Alternative ATR Documentation   
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
xxx
N/A
Employed
  
No
  
No
  
409053308
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409053328
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409053329
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409053330
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409053331
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409053309
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
Alternative ATR Documentation
  
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
N/A
    
No
No
Yes
Present
409053333
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409053319
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
xxx
N/A
Employed
  
No
  
No
  
409053310
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
Yes
No
Yes
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
  
No
  
No
  
409053324
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409053293
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409054767
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
Yes
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
xxx
N/A
Employed
  
No
  
No
  
409054763
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
Yes
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
N/A
Yes
xxx
Yes
Employed
  
No
  
No
  
409054777
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
Not Employed 
No
No
No
  
409054770
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
Not Employed
No
No
No
  
409054769
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
Yes
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
  
No
  
No
  
409054759
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
  
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
No
Yes
Present
409053297
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
No
Yes
Present
409053348
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
  
No
  
No
  
409053323
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
Yes
Unknown
  
No
  
Yes
Present
409054762
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
Yes
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
N/A
Employed
  
No
  
Yes
Present
409054773
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
N/A
Employed
  
No
  
Yes
Present
409054768
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
  
No
  
No
  
409054785
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
  
No
  
No
  
409054764
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
N/A
Yes
N/A
Yes
Yes
N/A
xxx
N/A
Employed
  
No
  
No
  
409054760
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409054765
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
N/A
Employed
  
No
  
No
  
409054766
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
Yes
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
xxx
N/A
Employed
  
No
  
No
  
409054780
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
Yes
No
No
No
No
No
No
No
Yes
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
xxx
N/A
Employed
  
No
  
No
  
409054776
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
xxx
N/A
Employed
  
No
  
No
  
409054761
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
Employed
No
No
No
  
409054786
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
Yes
Yes
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
  
No
  
No
  
409054782
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
Yes
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
Not Employed
No
No
No
  
409054756
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
Yes
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
N/A
Employed
Employed
No
No
No
  
409054757
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
Yes
Employed
  
No
  
Yes
Present
409054781
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
  
Yes
Present
409054784
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
N/A
    
No
  
Yes
Present
409054774
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
Yes
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
  
No
  
No
  
409054758
    
xxx
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
xxx
      
No
No
Yes
Present
409054779
    
xxx
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Alternative ATR Documentation
No
No
No
No
No
No
No
No
No
No
No
xxx
xxx
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
xxx
Yes
Employed
  
No
  
No