Loan ID
Seller Loan ID
Redaction ID
Lender Application Date
Originator QM Status
Final QM Status
Originator QM Status Difference than Final QM Status?
Reason Why NonQM Final Status
APR Pricing Threshold Exceeded?
QM DTI Threshold Exceeded?
Higher Priced Mortgage Loan (HPML)?
Negatively Amortizing Loan?
Principal Deferment?
Interest Only Flag?
Prepayment Penalty?
Balloon Flag?
Adjustable Rate Balloon?
Loan Term Less Than 5 Years?
QM Points and Fees Threshold Exceeded?
QM Total Points and Fees
APR
ATR: Qualifying Payment Properly Considered?
ATR: Current Employment/Self-Employment Verified?
ATR: Balloon Qualifying Payment Properly Considered?
ATR: Reasonable Income or Assets Considered?
ATR: Subject PITIA Adequately Documented?
ATR: All Liabilities Including Alimony and Child Support in DTI?
ATR: Simultaneous Loan Calculated Properly
ATR: Credit History was Considered Properly?
ATR: Did Lender Document All ATR Factors?
ATR: Was an ATR/QM Residual Income Analysis Provided?
Residual Income
Residual Income Meets Guidelines?
Borrower 1 Employment Indicator
Borrower 2 Employment Indicator
Borrower 1 Foreign National Indicator
Borrower 2 Foreign National Indicator
Business Purpose Loan?
Business Purpose Verified?
XXXX
XXXX
409058037
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
XXXX
XXXX
409058942
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
856917.63
N/A
Employed
  
No
  
Yes
Present
XXXX
XXXX
409058944
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
856761.82
N/A
Employed
  
No
  
Yes
Present
XXXX
XXXX
409057975
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
XXXX
XXXX
409057845
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
XXXX
XXXX
409058948
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
XXXX
XXXX
409058949
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
XXXX
XXXX
409058022
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
XXXX
XXXX
409058006
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
No
Yes
Present
XXXX
XXXX
409057799
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
XXXX
XXXX
409057778
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
26095
6.992
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
17928.11
Yes
Employed
  
No
  
No
  
XXXX
XXXX
409058951
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
XXXX
XXXX
409058922
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
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
XXXX
XXXX
409058921
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
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
XXXX
XXXX
409058918
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
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
XXXX
XXXX
409058930
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
43435.28
N/A
Employed
  
No
  
Yes
Present
XXXX
XXXX
409057855
XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
QM Points and Fees Exceeded
No
No
No
No
No
No
No
No
No
No
Yes
8145
7.55
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
N/A
N/A
4459.02
N/A
Employed
  
No
  
No
  
XXXX
XXXX
409057830
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
  
Not Tested
No
No
No
No
No
Yes
No
No
No
Not Tested
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
        
No
No
Yes
Present
XXXX
XXXX
409057968
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
XXXX
XXXX
409058959
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
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
XXXX
XXXX
409058920
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
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
XXXX
XXXX
409057783
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
10345
7.026
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
8622.52
N/A
Employed
  
No
  
No
  
XXXX
XXXX
409058957
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
1590
7.769
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
26387.86
N/A
Employed
  
No
  
No
  
XXXX
XXXX
409057853
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
XXXX
XXXX
409058042
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
5775
6.932
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
7663.94
Yes
Retired
  
No
  
No
  
XXXX
XXXX
409058947
XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Interest Only
No
Yes
No
No
No
Yes
No
No
No
No
No
1590
6.827
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
14118.77
N/A
Employed
Not Employed
No
  
No
  
XXXX
XXXX
409058935
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
XXXX
XXXX
409058953
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
XXXX
XXXX
409057961
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
7595
7.105
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
8625.52
N/A
Employed
  
No
  
No
  
XXXX
XXXX
409058923
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
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
XXXX
XXXX
409057957
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
15595
7.012
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
26726.9
N/A
Employed
  
No
  
No
  
XXXX
XXXX
409058932
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
Yes
N/A
N/A
N/A
N/A
21824.62
N/A
Employed
  
No
  
Yes
Present
XXXX
XXXX
409058934
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
1590
7.049
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
13919.35
Yes
Employed
Employed
No
No
No
  
XXXX
XXXX
409058931
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
1590
6.891
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
61036.12
N/A
Employed
  
No
  
No
  
XXXX
XXXX
409057990
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
Yes
No
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
XXXX
XXXX
409058952
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
XXXX
XXXX
409058926
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
XXXX
XXXX
409058929
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
No
No
No
      
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
931242.79
N/A
Employed
  
No
  
Yes
Present
XXXX
XXXX
409058936
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
XXXX
XXXX
409058933
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
1590
6.927
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
15402.11
Yes
Employed
  
No
  
No
  
XXXX
XXXX
409058946
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
XXXX
XXXX
409057846
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
XXXX
XXXX
409058924
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
XXXX
XXXX
409058954
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
XXXX
XXXX
409058955
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
No
Yes
Present
XXXX
XXXX
409058937
XXXX
ATR/QM: Exempt
ATR/QM: Exempt
No
    
No
  
No
No
No
No
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
XXXX
XXXX
409057781
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
15865
6.677
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
210759.29
N/A
Employed
  
No
  
No