EXHIBIT 99.15
CONSOLIDATED ANALYTICS POOL 1 ATR QM REPORT
| 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? |
TRID tested? | |||||||||||||||||||||||||||||||||||||||
| 51 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Not Employed |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 2 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 4 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 5 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 37 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Employed |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 7 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Not Employed |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 8 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 14 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 39 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 58 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 38 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 3 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes |
| 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? |
TRID tested? | |||||||||||||||||||||||||||||||||||||||
| 54 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 9 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 47 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 53 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 56 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 57 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 1 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 18 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 40 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 10 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Employed |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 11 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 12 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 13 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes |
| 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? |
TRID tested? | |||||||||||||||||||||||||||||||||||||||
| 15 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 16 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 17 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Employed |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 20 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 50 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 6 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 64 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Employed |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 41 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 48 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 29 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 34 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 77 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes |
| 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? |
TRID tested? | |||||||||||||||||||||||||||||||||||||||
| 19 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 67 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 23 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 26 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
No |
No |
No |
No |
No |
No |
No |
No |
No |
No |
No |
XXX |
XXX |
Yes |
N/A |
N/A |
Yes |
Yes |
Yes |
N/A |
Yes |
Yes |
Yes |
$XXX |
Yes |
Retired |
Retired |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 28 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Employed |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 30 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Retired |
Employed |
No |
No |
No |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 32 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 27 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 22 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 25 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes |
| 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? |
TRID tested? | |||||||||||||||||||||||||||||||||||||||
| 31 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 33 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 36 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 42 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 45 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 43 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 46 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 21 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 44 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 49 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 63 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 69 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 85 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes |
| 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? |
TRID tested? | |||||||||||||||||||||||||||||||||||||||
| 24 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 116 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 35 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||||
| 61 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes | |||||||||||||||||||||||||||||||||||||||||||
| 108 | XX/XX/XXXX |
QM: Safe Harbor APOR (APOR SH) |
QM: Safe Harbor APOR (APOR SH) |
No |
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 |
Yes |