ALT Loan ID
Loan ID
Seller 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?
326338096
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.782
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
246665606
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.431
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
400818962
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.594
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
464837807
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.541
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
754122338
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.465
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
368426901
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.389
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
864315225
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.399
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
884691533
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.568
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Retired
No
No
No
  
392691002
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.588
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
793285520
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.585
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
982303804
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
7.008
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Retired
No
No
No
  
550274462
XXXXXXXX
XXXXXXXX
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
N/A
No
Yes
No
No
No
No
No
No
No
No
No
$X,XXX.XX
7.09
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
523887688
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.395
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
710861879
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.429
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
185734864
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.166
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
871199283
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.452
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
973970249
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.434
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Retired
Retired
No
No
No
  
867952408
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.863
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
685178611
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.577
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
771819381
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.839
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
970672893
XXXXXXXX
XXXXXXXX
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
No
Yes
No
No
No
No
No
No
No
No
Yes
$X,XXX.XX
7.853
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
498118354
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.946
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
942402370
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.188
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
102485738
XXXXXXXX
XXXXXXXX
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
N/A
No
No
No
No
No
No
No
No
No
No
No
$X,XXX.XX
6.367
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
335730233
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.201
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
959883912
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.445
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Retired
Retired
No
No
No
  
530954428
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.815
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
125066335
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.935
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
308970407
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.155
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
400198625
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.372
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
182457601
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.273
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Employed
No
No
No
  
213581585
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.832
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Retired
Employed
No
No
No
  
227191540
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.113
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
985435205
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
5.924
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
387716298
XXXXXXXX
XXXXXXXX
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
N/A
No
No
No
No
No
No
No
No
No
No
No
$X,XXX.XX
6.251
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Not Employed
No
No
No
  
318361268
XXXXXXXX
XXXXXXXX
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
N/A
No
No
No
No
No
No
No
No
No
No
No
$X,XXX.XX
6.039
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Retired
Employed
No
No
No
  
887366427
XXXXXXXX
XXXXXXXX
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
N/A
No
No
No
No
No
No
No
No
No
No
No
$X,XXX.XX
6.919
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
185560632
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.845
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
  
No
  
No
  
375918489
XXXXXXXX
XXXXXXXX
XX/XX/XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
N/A
No
No
No
No
No
No
No
No
No
No
No
$X,XXX.XX
6.724
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Not Employed
Employed
No
No
No
  
149652773
XXXXXXXX
XXXXXXXX
XX/XX/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
$X,XXX.XX
6.933
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
$X,XXX.XX
N/A
Employed
Retired
No
No
No