EXHIBIT 99.10
CONSOLIDATED ANALYTICS ATR QM REPORT
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 97 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 169 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 106 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 167 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 110 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 111 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 109 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 103 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 158 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 99 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 156 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 172 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 102 | 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 | N/A | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 107 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 105 | 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 | N/A | Yes | Yes | $XXX | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 115 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 171 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 176 | 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 | N/A | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 136 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 104 | 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 | N/A | Employed | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 108 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 216 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 113 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Not Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 118 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 125 | 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 | N/A | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 129 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 137 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 140 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 157 | 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 | No | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 163 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 114 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 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 | No | Yes | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 122 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 128 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 130 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 138 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 170 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 214 | 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 | Pending Credit Review | Yes | Pending Credit Review | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 101 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 112 | 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 | N/A | $XXX | N/A | Employed | Employed | No | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 177 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 124 | 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 | N/A | N/A | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 126 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 98 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 174 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 123 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 178 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 133 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 143 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 145 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 154 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 159 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 161 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 162 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 119 | 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 | N/A | Not Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 120 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 121 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 132 | 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 | Yes | Yes | N/A | N/A | $XXX | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 141 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 142 | 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 | N/A | Employed | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 148 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 150 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 185 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 155 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 200 | 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 | N/A | Retired | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 131 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 181 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 189 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 153 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 160 | 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 | N/A | Retired | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 199 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 202 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 165 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 166 | 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 | N/A | N/A | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 206 | 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 | N/A | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 207 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 175 | 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 | N/A | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 127 | 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 | N/A | Retired | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 201 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 212 | 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 | N/A | Employed | Employed | No | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 117 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 144 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 147 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 188 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 100 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 134 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 139 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 179 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 146 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 149 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 182 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 151 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 152 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 186 | 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 | N/A | N/A | Yes | N/A | N/A | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 191 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 164 | 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 | No | Yes | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 173 | 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 | No | No | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 135 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 180 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 184 | 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 | N/A | N/A | $XXX | N/A | Employed | Employed | No | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 203 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 274 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 168 | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | QM: Safe Harbor APOR (APOR SH) | Yes | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 192 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 209 | 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 | No | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 255 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 213 | 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 | N/A | N/A | $XXX | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 183 | 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 | N/A | $XXX | N/A | Not Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 194 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 195 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 197 | 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 | N/A | $XXX | Yes | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 208 | 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 | N/A | Retired | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 187 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 190 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 196 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 198 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 204 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Not Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 205 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 210 | 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 | N/A | Retired | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 211 | 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 | N/A | Employed | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 215 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 219 | 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 | Yes | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 256 | 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 | N/A | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 217 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 222 | 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 | Yes | N/A | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 273 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 229 | 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 | N/A | Not Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 276 | 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 | Yes | Yes | Yes | Yes | $XXX | N/A | Employed | Unknown | No | No | |||||||||||||||||||||||||||||||||||||||||||
| 218 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 259 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 233 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 257 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 282 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 283 | 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 | N/A | N/A | Yes | N/A | N/A | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 224 | 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 | N/A | N/A | N/A | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 227 | 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 | Pending Credit Review | Yes | Pending Credit Review | Yes | Yes | Yes | N/A | Yes | Yes | No | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 221 | 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 | N/A | Yes | N/A | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 247 | 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 | N/A | N/A | $XXX | N/A | Retired | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 242 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 261 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 264 | 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 | N/A | Yes | N/A | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 231 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 232 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 235 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 246 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 260 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 281 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 286 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 289 | 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 | N/A | $XXX | N/A | Retired | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 263 | 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 | Yes | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 268 | 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 | N/A | N/A | $XXX | N/A | Retired | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 275 | 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 | No | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 280 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 234 | 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 | N/A | Not Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 237 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 249 | 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 | N/A | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 277 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 226 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 230 | 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 | N/A | $XXX | N/A | Not Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 270 | 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 | N/A | Employed | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 290 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 295 | 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 | N/A | N/A | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 223 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 236 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 243 | 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 | Pending Credit Review | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 245 | 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 | N/A | Not Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 272 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 288 | 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 | Yes | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 292 | 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 | Yes | Yes | N/A | N/A | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 293 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 238 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 250 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 251 | 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 | Yes | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 258 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 287 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 291 | 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 | No | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 294 | 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 | No | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 225 | 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 | N/A | Yes | Yes | $XXX | N/A | Employed | Retired | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 267 | 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 | N/A | N/A | N/A | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 279 | 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 | N/A | Employed | Employed | No | No | No |
| 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: Self-Employment |
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? | ||||||||||||||||||||||||||||||||||||||
| 241 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 253 | 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 | Yes | Yes | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 254 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 265 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 266 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 269 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 228 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 240 | 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 | N/A | Yes | Yes | $XXX | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 248 | 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 | N/A | Retired | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 278 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 284 | 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 | N/A | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 285 | 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 | N/A | Employed | Not Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 239 | 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 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 252 | 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 | N/A | N/A | $XXX | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 262 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 220 | 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 | N/A | Employed | Employed | No | No | No | ||||||||||||||||||||||||||||||||||||||||||
| 271 | 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 | N/A | Employed | No | No | ||||||||||||||||||||||||||||||||||||||||||||
| 296 | 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 | N/A | Not Employed | No | No |