MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM12 ABS-15G

 

Exhibit 99.3 - Schedule 4

 

 

Loan ID Redaction 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 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? TRID tested?
XXXX 10196874 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10101177 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present No
XXXX 10101493   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10026575   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10101415   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10196883 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10156818 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10200444 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 Yes No No No No No No No No Yes 11302.5 6.742 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4916.36 Yes Employed   No   No   Yes
XXXX 10200443 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 1969.95 7.085 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 70888.51 Yes Employed   No   No   Yes
XXXX 10210155 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No No No No No No No No No Not Tested 11245 7.014 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 9978.48 Yes Employed   No   No   Yes
XXXX 10200503 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 7086.36 Yes Employed Not Employed No No Yes Present No
XXXX 10256796 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 19459.57 Yes Employed Employed No No Yes Present No
XXXX 10291263 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 1590 6.793 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14073.23 Yes Employed Employed No No No   Yes
XXXX 10268898 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A Yes N/A N/A 605259.06 Yes Employed Employed No No Yes Present No
XXXX 10262997 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 4092.21 Yes Employed   No   Yes Present No
XXXX 10233098 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A Yes N/A N/A 12754.42 Yes Employed Employed No No Yes Present No
XXXX 10262970 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 No 17045 6.845 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 27029.61 Yes Employed Employed No No No   Yes
XXXX 10162233 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 165762.33 Yes Employed   No   Yes Present No
XXXX 10268880 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A Yes Yes N/A 24066.92 Yes Employed   No   Yes Present No
XXXX 10268885 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 1590 7.005 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 92401.81 Yes Employed   No   No   Yes
XXXX 10210118 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 1640 6.268 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39333.68 Yes Not Employed Not Employed No No No   Yes
XXXX 10162232 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 164808.19 Yes Employed   No   Yes Present No
XXXX 10233146 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 6862.55 7.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11346.28 Yes Employed   No   No   Yes
XXXX 10268886 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 2040 6.622 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9571.39 Yes Employed Not Employed No No No   Yes
XXXX 10262986 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 15395.1 Yes Employed   No   Yes Present No
XXXX 10298531 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 14587.95 Yes Employed   No   Yes Present No
XXXX 10262982 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 15842.79 Yes Employed   No   Yes Present No
XXXX 10291262 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 371967.51 Yes Retired   No   Yes Present No
XXXX 10256776 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 1312 7.136 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 28803.41 Yes Employed Employed No No No   Yes
XXXX 10291233 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 1590 6.761 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 536419.18 Yes Employed   No   No   Yes
XXXX 10313449 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 20162.64 Yes Employed   No   Yes Present No
XXXX 10263005 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 90551.05 Yes Employed Retired No No Yes Present No
XXXX 10298567 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 31299.81 Yes Employed   No   Yes Present No
XXXX 10262994 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10313475 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 35769.21 Yes Employed   No   Yes Present No
XXXX 10268902 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 3979.59 N/A Employed   No   Yes Present No
XXXX 10291243 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 25344.13 Yes Employed Employed No No Yes Present No
XXXX 10313486 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 4213.1 7.734 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2394.88 Yes Employed   No   No   Yes
XXXX 10268907 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 106633 7.006 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 70953.43 Yes Employed   No   No   Yes
XXXX 10313461 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 6680.76 7.108 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 129519.87 Yes Employed   No   No   Yes
XXXX 10333149 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 34660.05 Yes Employed   No   Yes Present No
XXXX 10357795 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10327158 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10313484 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 399059.21 Yes Employed   No   Yes Present No
XXXX 10333097 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10326063 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10313473 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 191356.64 Yes Employed Not Employed No No Yes Present No
XXXX 10327131 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10357871 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10327130 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10357862 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10333125 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10326090 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10357846 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10326080 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present No
XXXX 10326015 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10367688 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10393894 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 1590 7.274 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 90561.58 Yes Employed   No   No   Yes
XXXX 10393886 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10367673 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10362178 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 24618.72 Yes Not Employed   No   Yes Present No
XXXX 10379240   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10383543 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 40552.33 N/A Employed   No   Yes Present No
XXXX 10379232   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10354160 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10313496 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No No No No No Yes No No No Not Tested     N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10379354 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 41575 8.011 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 44246.25 Yes Employed   No   No   Yes
XXXX 10362191 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10354159 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 45930.5 7.047 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 829407.21 Yes Employed   No   No   Yes
XXXX 10393883 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 60219.05 N/A Employed   No   Yes Present No
XXXX 10367660 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10362182 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present No
XXXX 10393890 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 65354.54 N/A Employed Not Employed No No Yes Present No
XXXX 10393892 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 27842.45 N/A Employed   No   Yes Present No
XXXX 10393910 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 5059.29 Yes Employed Not Employed No No Yes Present No
XXXX 10367668 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 2894 7.526 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 429297.82 N/A Employed   No   No   Yes
XXXX 10379271   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10374406 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 1684 7.233 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 62484.5 Yes Employed Employed No No No   Yes
XXXX 10327141 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 4802 7.122 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13127.32 Yes Employed Not Employed No No No   Yes
XXXX 10395593   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 15415 7.793 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 14919.88 N/A Employed   No   No   Yes
XXXX 10379275   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10383541 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10374452 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10395646   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 36184.07 7.659 Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A 15226.53 Yes Employed   No   No   Yes
XXXX 10395706   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10395664   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10395749   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10395626   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 195067.82 Yes Employed Not Employed No No Yes Present No
XXXX 10395635   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 8925 6.658 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 2986.11 Yes Employed   No   No   Yes
XXXX 10395724   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10395591   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 184880.04 Yes Employed Not Employed No No Yes Present No
XXXX 10395651   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 14095 6.768 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33747.72 N/A Not Employed   No   No   Yes
XXXX 10395705   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present No
XXXX 10395600   XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A Yes Yes Yes 235600.06 N/A Employed   No   Yes Present No
XXXX 10395647   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 17095 6.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 74159.64 N/A Employed   No   No   Yes