Redaction 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?
976818
XXXX
XXXX
XXXX
XXXX
ATR/QM: CDFI Lender Exempt   
ATR/QM: CDFI Lender Exempt   
No
  
No
No
No
No
No
No
No
No
No
No
No
21500
6.489
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
28083
Yes
Employed
  
No
  
No
  
1220419
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
1495
6.003
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
26604.88
N/A
Employed
Employed
No
No
No
  
1229884
XXXX
XXXX
XXXX
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
1690
6.039
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
21706.9
N/A
Employed
Employed
No
No
No
  
1231303
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
No
1570
6.676
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
13993.26
N/A
Employed
Employed
No
No
No
  
1231327
XXXX
XXXX
XXXX
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
2065
6.398
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
10412.66
N/A
Employed
Employed
No
No
No
  
1233123
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
1345
6.152
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
19385.07
N/A
Employed
Employed
No
No
No
  
1236672
XXXX
XXXX
XXXX
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
1490
6.305
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
39478.35
Yes
Employed
  
No
  
No
  
1236766
XXXX
XXXX
XXXX
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
1320
6.447
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
18035.76
N/A
Employed
  
No
  
No
  
1239960
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
1890
6.65
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
24215.09
N/A
Employed
Not Employed
No
No
No
  
1246483
XXXX
XXXX
XXXX
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
1570
6.156
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
27493.17
N/A
Employed
  
No
  
No
  
1247134
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
0
5.99
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
16923.08
N/A
Employed
  
No
  
No
  
1247271
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
0
6.375
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
15066.02
N/A
Employed
Employed
No
No
No
  
1249511
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
1295
6.29
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
30095.07
N/A
Employed
Employed
No
No
No
  
1249836
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
0
5.875
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
11423.79
N/A
Employed
  
No
  
No
  
1249861
XXXX
XXXX
XXXX
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
0
6.417
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
14669.67
N/A
Employed
Employed
No
No
No
  
1255439
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
0
5.99
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
22924.06
N/A
Employed
  
No
  
No
  
1257759
XXXX
XXXX
XXXX
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
1790
6.409
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
12339.21
N/A
Employed
Employed
No
No
No
  
1263360
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
1540
6.145
Yes
Yes
Yes
Yes
Yes
Yes
N/A
Yes
Yes
Yes
14492.47
N/A
Employed
Employed
No
No
No
  
1277542
XXXX
XXXX
XXXX
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
2315
6.282
Yes
Yes
N/A
Yes
Yes
Yes
N/A
N/A
Yes
N/A
34982.43
N/A
Employed
  
No
  
No
  
1279793
XXXX
XXXX
XXXX
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
1790
6.151
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
27791.63
N/A
Employed
Employed
No
No
No
  
1281371
XXXX
XXXX
XXXX
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
1749
6.647
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
19592.82
N/A
Employed
Employed
No
No
No
  
1281701
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
0
5.99
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
14799.25
N/A
Retired
Retired
No
No
No
  
1282415
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
0
5.869
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
15419.8
N/A
Employed
Not Employed
No
No
No
  
1284342
XXXX
XXXX
XXXX
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
17759.8
6.308
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
14680.74
N/A
Employed
Employed
No
No
No
  
1285039
XXXX
XXXX
XXXX
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
0
6
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
21983.17
N/A
Employed
Employed
No
No
No
  
1287854
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
975
6.146
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
16808.17
N/A
Employed
  
No
  
No
  
1288895
XXXX
XXXX
XXXX
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
0
5.875
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
19285.87
N/A
Employed
Employed
No
No
No
  
1291080
XXXX
XXXX
XXXX
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
1991.6
6.016
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
18475.37
N/A
Retired
  
No
  
No
  
1296482
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor Verified (V SH)
QM: Safe Harbor Verified (V SH)
No
  
No
No
No
No
No
No
No
No
No
No
No
2925
6.448
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
59556.99
N/A
Employed
Not Employed
No
No
No