Consolidated Analytics Pool 2 ATR QM Report

Deal
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
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?

688

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

645

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

648

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

649

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

639

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

659

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

653

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

654

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

641

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

655

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

652

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

638

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

642

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

643

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

651

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

647

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

657

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

637

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

646

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

640

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

656

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

644

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

658

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

650

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

735

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

703

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

715

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

732

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

724

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

722

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

730

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

733

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

702

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

707

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

709

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

736

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

728

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

719

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

720

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

705

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

713

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

726

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

712

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

723

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

717

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

714

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

701

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

691

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

742

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

803

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

711

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

741

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

700

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

727

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

698

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

XXX

Yes

Present

676

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

675

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

682

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

686

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

694

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

684

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

696

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

681

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

699

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

687

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

679

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

690

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

668

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

673

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

805

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

804

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

743

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

689

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

683

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

697

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

692

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

672

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

695

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

678

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

685

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

693

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

674

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

677

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

671

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

670

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

669

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

680

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

661

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

665

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

664

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

660

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

662

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

663

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

667

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

666

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

756

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

809

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

831

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

817

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

777

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

813

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

771

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

750

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

806

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

748

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

773

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

765

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

744

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

764

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

770

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

818

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

823

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

752

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

754

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

762

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

767

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

826

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

763

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

819

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

751

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

708

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

753

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

737

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

725

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

807

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

718

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

716

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

729

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

731

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

740

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

704

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

XXX

Yes

Present

721

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

759

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

739

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

734

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

710

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

816

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

738

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

761

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

774

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

815

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

768

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

706

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

830

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

820

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

760

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

828

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

827

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

775

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

812

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

772

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

825

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

821

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

776

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

757

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

832

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

822

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

758

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

766

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

829

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

747

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

814

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

746

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

745

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

810

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

808

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

824

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

789

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

749

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

755

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

783

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

851

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

779

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

785

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

782

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

837

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

811

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

847

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

792

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

858

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

848

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

780

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

787

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

788

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

781

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

632

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

769

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

844

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

854

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

793

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

802

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

852

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

850

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

849

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

843

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

790

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

845

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

855

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

797

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

795

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

846

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

838

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

595

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

835

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

794

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

791

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

786

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

860

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

801

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

559

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

601

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

627

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

784

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

579

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

622

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

609

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

796

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

839

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

561

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

778

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

592

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

859

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

833

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

596

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

572

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

834

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

856

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

558

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

800

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

798

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

580

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

591

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

575

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

590

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

584

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

841

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

842

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

585

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

607

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

574

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

612

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

613

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

619

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

610

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

587

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

570

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

581

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

593

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

608

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

625

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

597

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

588

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

618

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

594

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

564

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

571

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

626

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

623

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

599

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

604

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

630

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

567

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

562

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

631

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

598

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

629

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

566

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

633

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

614

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

560

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

635

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

563

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

603

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

620

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

628

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

624

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

840

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

634

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

799

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

578

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

586

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

602

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

600

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

621

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

565

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

Deal
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
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?

573

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

583

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

636

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

606

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

836

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

582

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

577

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

853

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

616

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

611

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

569

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

857

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

589

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

568

XXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

N/A

$XXX

N/A

XXX

Yes

Present

615

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

617

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

605

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present

576

XXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

XXX

N/A

$XXX

N/A

XXX

Yes

Present