EXHIBIT 99.21

CONSOLIDATED ANALYTICS POOL 2 ATR QM REPORT

 

Deal ID   Loan ID   Seller
Loan ID		   Investor
Loan ID		   Lender
Application
Date		   Originator
QM
Status		   Final
QM
Status		   Originator
QM
Status
Difference
than Final
QM
Status?		   Reason
Why
NonQM
Final
Status		   APR
Pricing
Threshold
Exceeded?		   QM DTI
Threshold
Exceeded?		   Higher
Priced
Mortgage
Loan
(HPML)?		   Negatively
Amortizing
Loan?		   Principal
Deferment?		   Interest
Only
Flag?		   Prepayment
Penalty?		   Balloon
Flag?		   Adjustable
Rate
Balloon?		   Loan
Term
Less
Than
5
Years?		   QM
Points and
Fees
Threshold
Exceeded?		  

QM
Total
Points
and

Fees

   APR   ATR:
Qualifying
Payment
Properly
Considered?		   ATR:
Current
Employment/Self-Employment
Verified?		   ATR:
Balloon
Qualifying
Payment
Properly
Considered? 		  ATR:
Reasonable
Income or
Assets
Considered?		   ATR:
Subject
PITIA
Adequately
Documented?		   ATR: All
Liabilities
Including
Alimony
and Child
Support
in DTI?		   ATR:
Simultaneous
Loan
Calculated
Properly		   ATR:
Credit
History
was
Considered
Properly?		   ATR: Did
Lender
Document
All ATR
Factors?		   ATR:
Was an
ATR/QM
Residual
Income
Analysis
Provided?		   Residual
Income		   Residual
Income
Meets
Guidelines?		   Borrower 1
Employment
Indicator		   Borrower 2
Employment
Indicator		   Borrower
1 Foreign
National
Indicator		   Borrower
2 Foreign
National
Indicator		   Business
Purpose
Loan?		   Business
Purpose
Verified?
248   XXX           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   13673.8   6.015   Yes   Yes   N/A   Yes   Yes   Yes   N/A   Yes   Yes   Yes   57131.43   N/A   Employed       No       No