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?
264597
XXXX
XXXX
XXXX
XXXX
QM: Safe Harbor APOR (APOR SH)
QM: Safe Harbor APOR (APOR SH)
No
  
Pass
No
No
No
No
No
  
No
No
No
No
4650
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
3645.34
Yes
Employed
  
No
  
No
  
267774
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors 
Non-QM: Lender documented all ATR UW factors  
No
QM Points and Fees Exceeded  
Pass
No
No
No
No
No
  
No
No
No
Yes
7871.13
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
8395.18
Yes
Employed
  
No
  
No
  
512504
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
2490
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
6601.53
Yes
Employed
  
No
  
No
  
574574
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
5080
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
N/A
N/A
18552.55
Yes
Employed
Not Employed
No
No
No
  
577578
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
QM Points and Fees Exceeded
No
No
No
No
No
No
No
No
No
No
Yes
12695
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
16314.72
Yes
Employed
  
No
  
No
  
580558
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
1200
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
15592.72
Yes
Employed
  
No
  
No
  
592529
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
3314.8
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
9347.53
Yes
Employed
  
No
  
No
  
598637
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
1395
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
N/A
N/A
5609.22
Yes
Employed
  
No
  
No
  
615687
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
6985
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
33425.01
Yes
Employed
Not Employed
No
No
No
  
658404
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
1390
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
35615.81
Yes
Employed
  
No
  
No
  
661075
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
QM Points and Fees Exceeded
No
No
No
No
No
No
No
No
No
No
Yes
21137.5
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
17310.89
Yes
Employed
  
No
  
No
  
669578
XXXX
XXXX
XXXX
XXXX
Non-QM: Lender documented all ATR UW factors
Non-QM: Lender documented all ATR UW factors
No
Interest Only
No
Yes
No
No
No
Yes
No
No
No
No
Yes
10040
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
N/A
2734.51
Yes
Employed
  
No
  
No
  
685755
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
3725
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
22709.21
Yes
Employed
Employed
No
No
No
  
700638
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
9237.5
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
9312.53
Yes
Employed
  
No
  
No
  
711686
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
9850.6
XX.XX
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
26316.3
Yes
Not Employed
  
No
  
No
  
722527
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
2102
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
Yes
Yes
5266.77
Yes
Employed
  
No
  
No
  
752541
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
1499
XX.XX
Yes
Yes
N/A
Yes
Yes
Yes
N/A
Yes
N/A
N/A
5331.9
N/A
Employed
  
No
  
No
  
778313
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
3000
XX.XX
Yes
N/A
N/A
Yes
Yes
Yes
N/A
Yes
N/A
N/A
5728.46
Yes
Employed
  
No
  
No