MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM9 ABS-15G

Exhibit 99.4 - Schedule 4

 

Client Name:  
Client Project Name: MSRM 2026-NQM9
Start - End Dates: 12/9/2025 - 7/2/2026
Deal Loan Count: 84
       
Rating Agency ATR QM Data Fields
       
Loans in Report:  84

 

Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 Lender Application Date Broker Application Date GSE Eligible QRM Flag ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Bwr 1 Foreign National Indicator Bwr 2 Foreign National Indicator Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
10284721 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 4630 XXXXXX 6.543 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10325952 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11495 XXXXXX 6.8079 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 60514.27
10325955 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8533.75 XXXXXX 7.0024 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10357751 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 1419 XXXXXX 7.917 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10357752 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10325945 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Employed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
10326100 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 18995 XXXXXX 6.5071 Employed (No Data) Permanent Resident Alien (No Data) (No Data) Yes 30059.92
10325961 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Employed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
10325963 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2020 XXXXXX 6.826 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10326115 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX Yes No 3537 XXXXXX 7.1156 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10326125 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5540 XXXXXX 6.8262 Employed Unemployed Non-Permanent Resident Alien Non-Permanent Resident Alien (No Data) No 0
10326138 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 0 XXXXXX 6.8143 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326143 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 1620 XXXXXX 7.1586 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 23493.07
10326147 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10325949 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 6164.1 XXXXXX 6.7653 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326164 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 6349 XXXXXX 6.8162 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 9534.55
10326165 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2418 XXXXXX 7.463 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326166 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 18130 XXXXXX 7.01 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326167 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10555 XXXXXX 6.7023 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0
10326172 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15482.5 XXXXXX 7.0825 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 71581.78
10325970 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 13590 XXXXXX 10.2079 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 0
10326176 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9961 XXXXXX 7.1053 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326181 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 31473.5 XXXXXX 6.7346 Unemployed (No Data) U.S. Citizen (No Data) (No Data) Yes 84270.34
10326182 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 1770 XXXXXX 6.5123 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) Yes 0
10326186 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 19211 XXXXXX 6.6073 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326193 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2020 XXXXXX 7.8974 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326195 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12095 XXXXXX 7.3355 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326207 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2070 XXXXXX 8.9152 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) Yes 28266.72
10326212 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2428.55 XXXXXX 7.048 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10326230 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326247 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326249 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8240 XXXXXX 7.2564 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326251 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8030 XXXXXX 6.5066 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 15865.11
10357793 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15549 XXXXXX 8.0569 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326271 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9237.75 XXXXXX 7.7338 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10357815 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 41882.5 XXXXXX 8.2465 Unemployed Employed (No Data) U.S. Citizen (No Data) No 0
10101017 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 9010 XXXXXX 6.7491 Employed (No Data) U.S. Citizen (No Data) (No Data) No 8593.48
10100961 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 16393.3 XXXXXX 6.9623 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10007268 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 44064 XXXXXX 7.2608 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
10262952 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10262954 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10262955 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10333237 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10333238 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10318838 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7895 XXXXXX 6.9483 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10318840 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10162202 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10179760 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10210145 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10333083 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10262985 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10291265 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10298533 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10298546 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10233094 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10313458 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10313482 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10313487 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10327063 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 1819 XXXXXX 6.764 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10318760 ATR/QM: Exempt No XXXXXX XXXXXX Yes No 0 XXXXXX 7.1251 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10318792 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 6777.5 XXXXXX 7.5128 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10318795 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 4065 XXXXXX 7.0932 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10318807 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Employed Employed U.S. Citizen Permanent Resident Alien (No Data) (No Data) 0
10318859 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10318870 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 7824.38 XXXXXX 7.5094 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10318880 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11299 XXXXXX 7.0131 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10318881 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5490 XXXXXX 7.1735 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10327093 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10327096 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10327099 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10327102 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10327115 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10327119 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10327126 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10327156 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 21499 XXXXXX 7.0055 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 1500
10327159 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10333144 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10333164 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10333197 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10345426 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10345392 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10354132 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10354146 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10354157 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
 


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