EXHIBIT 99.11

CONSOLIDATED ANALYTICS POOL 1 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: 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?

112

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

72

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

70

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

73

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

74

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

71

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

93

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

94

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

92

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

101

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

99

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

96

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

98

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

95

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

102

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

122

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

119

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

117

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

120

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

118

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

113

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

126

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

130

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

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 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?

128

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

127

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

129

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

125

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

169

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

167

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

174

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

179

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

170

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

182

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

175

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

166

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

172

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

115

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

116

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

114

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

188

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

192

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

190

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

256

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

189

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

264

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

259

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

263

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

260

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

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 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?

266

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

265

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

271

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

270

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

273

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

274

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

269

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

272

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

298

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

301

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

294

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

302

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

296

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

299

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

295

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

300

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

290

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

293

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

297

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

308

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

303

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

306

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

305

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

304

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

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 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?

307

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

315

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

313

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

311

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

XXX

Yes

Present

317

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

310

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

316

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

314

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

312

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

318

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

322

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

319

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

321

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

324

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present

330

XX/XX/XXXX

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

XXX

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

$XXX

N/A

XXX

Yes

Present