Loan ID
RWT 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 DTI/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?
XXXXXXXXXXXX
409058039
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
XXXXXXXXXXXX
409057954
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors 
Non-QM: Lender documented all ATR UW factors 
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.737
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
XXXXXXXXXXXX
409057969
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
XXXXXXXXXXXX
409057979
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
XXXXXXXXXXXX
409057827
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
    
Unknown
  
No
  
Yes
Present
XXXXXXXXXXXX
409057817
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
Yes
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
XXXXXXXXXXXX
409057966
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.014
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
XXXXXXXXXX
409055274
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
Yes
No
No
No
No
Not Tested
0
6.5
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
  
No
  
No
  
XXXXXXXXXX
409057325
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
6.754
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Retired
Employed
No
No
No
  
XXXXXXXXXX
409057332
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
Yes
No
No
No
No
Not Tested
0
6.926
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
  
No
  
No
  
XXXXXXXXXX
409057334
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Not Employed
Employed
No
No
Yes
Present
XXXXXXXXXX
409057336
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
6.567
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
Employed
No
No
No
  
XXXXXXXXXX
409044272
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
Yes
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
  
Yes
Present
XXXXXXXXXX
409055260
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
7.056
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
  
No
  
No
  
XXXXXXXXXX
409055221
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.411
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
Employed
No
No
No
  
XXXXXXXXXX
409045764
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
6.944
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
  
No
  
No
  
XXXXXXXXXX
409057353
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
No
No
No
No
No
No
No
No
No
Not Tested
0
7.019
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
  
No
  
No
  
XXXXXXXXXX
409057345
    
XX/XX/XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
  
Not Tested
Yes
No
No
No
No
No
No
No
No
Not Tested
0
6.66
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
Yes
Employed
Employed
No
No
No
  
XXXXXXXXXX
409057317
    
XX/XX/XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
Not Tested
No
No
No
No
No
No
No
Not Tested
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
$X,XXX.XX
N/A
Employed
  
No
  
Yes
Present