ALT ID

Loan ID

Seller Loan ID

Investor Loan ID

Lender Application Date

Originator QM Status

Final QM Status

Originator QM Status Difference than Final QM Status?

Reason Why NonQM Final Status

APR Pricing Threshold Exceeded?

QM DTI Threshold Exceeded?

Higher Priced Mortgage Loan (HPML)?

Negatively Amortizing Loan?

Principal Deferment?

Interest Only Flag?

Prepayment Penalty?

Balloon Flag?

Adjustable Rate Balloon?

Loan Term Less Than 5 Years?

QM Points and Fees Threshold Exceeded?

QM Total Points and Fees

APR

ATR: Qualifying Payment Properly Considered?

ATR: Current Employment/Self-Employment Verified?

ATR: Balloon Qualifying Payment Properly Considered?

ATR: Reasonable Income or Assets Considered?

ATR: Subject PITIA Adequately Documented?

ATR: All Liabilities Including Alimony and Child Support in DTI?

ATR: Simultaneous Loan Calculated Properly

ATR: Credit History was Considered Properly?

ATR: Did Lender Document All ATR Factors?

ATR: Was an ATR/QM 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?

1000707304

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707306

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000668645

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.869

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

1000668649

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.586

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668651

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.942

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668653

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.18

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707310

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668655

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.42

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707312

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707314

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668657

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.125

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668659

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.045

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

1000707316

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707318

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668661

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.947

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707320

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707761

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707322

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668663

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.825

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

1000668665

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.579

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668667

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.143

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

1000707324

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000649611

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.088

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707774

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668669

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.634

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

1000668671

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.502

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707778

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000731213

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000668673

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.921

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Retired

1000707326

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707328

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668675

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.876

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668677

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.553

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707925

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707330

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707332

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707334

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707336

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000668679

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.794

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707929

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668681

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.648

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707338

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707342

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000668683

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.83

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707344

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668685

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.068

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668687

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.038

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Not Employed

1000668689

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.066

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707346

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707348

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707350

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000668691

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.664

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Not Employed

Employed

1000668693

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.698

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Not Employed

Employed

1000707352

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707354

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707356

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707358

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668647

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.541

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

Not Employed

1000731224

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707360

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707362

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668695

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.505

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Not Employed

Employed

1000668697

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.439

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

1000668643

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.967

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668699

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.263

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668701

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.621

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

Retired

1000708106

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707364

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668703

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.516

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

Not Employed

1000708112

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707366

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707368

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000708114

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000708116

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707370

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000708118

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707372

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000668705

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.705

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000668707

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.128

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707374

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000668709

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.157

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707376

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000668711

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.644

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Not Employed

1000668713

XXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.328

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

1000707380

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707382

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1000707384

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

1000707386

XXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present