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

 

Exhibit 99.4 - Schedule 4

Client Name:  
Client Project Name: MSRM 2026-NQM12
Start - End Dates: 8/27/2025 - 8/18/2026
Deal Loan Count: 166
         
Rating Agency ATR QM Data Fields  
         
Loans in Report:  166  

 

Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 Lender Application Date Broker Application Date GSE Eligible QRM Flag ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Bwr 1 Foreign National Indicator Bwr 2 Foreign National Indicator Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
10357770 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10357772 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10326096 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326097 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10326098 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10325954 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10325956 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10325947 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10357769 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10357774 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 46180 XXXXXX 6.9853 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10357775 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326105 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10326136 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326141 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326144 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 1670 XXXXXX 6.9258 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10357783 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX Yes No 6259.8 XXXXXX 6.7229 Retired (No Data) U.S. Citizen (No Data) (No Data) No 0
10357785 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326183 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10326188 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326189 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 9.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326190 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326194 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 59765 XXXXXX 7.6516 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 2000
10326197 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10326200 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.49 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326206 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10326213 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2984 XXXXXX 7.797 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326223 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326227 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10326236 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10357790 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10326240 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15095 XXXXXX 7.1878 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10326241 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 13045 XXXXXX 6.7442 Employed (No Data) Permanent Resident Alien (No Data) (No Data) Yes 5005.76
10326250 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10255 XXXXXX 7.3089 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326253 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10357793 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15549 XXXXXX 8.0569 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10326272 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 1975 XXXXXX 7.542 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 20079.45
10326274 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2915 XXXXXX 6.6943 Unemployed Employed (No Data) U.S. Citizen (No Data) No 0
10326278 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) 0
10357805 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10379196 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2090 XXXXXX 8.6436 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10357808 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10357813 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2250.5 XXXXXX 7.4299 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10357814 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12425 XXXXXX 7.8731 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 4028.38
10357816 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9255 XXXXXX 7.1206 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10357818 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11853.13 XXXXXX 6.8686 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10357819 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8267 XXXXXX 7.2974 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10379311 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10357826 QM: Safe Harbor (APOR) No XXXXXX XXXXXX Yes Yes 9680.68 XXXXXX 6.9753 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
10379318 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2320 XXXXXX 6.8141 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10357829 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 17835 XXXXXX 7.0729 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
10379324 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7145 XXXXXX 6.6381 Employed Retired U.S. Citizen U.S. Citizen (No Data) No 0
10379326 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10379328 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8510 XXXXXX 7.8085 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10379331 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 1850 XXXXXX 6.6908 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0
10379333 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15250 XXXXXX 6.8881 Retired Employed U.S. Citizen U.S. Citizen (No Data) No 0
10379217 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed U.S. Citizen (No Data) (No Data) (No Data) 0
10379341 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10379181 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 1915 XXXXXX 8.0714 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10379356 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10379417 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12550 XXXXXX 7.2926 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10026404 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026411 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110854 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110946 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026630 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10395686 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395680 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed Unemployed U.S. Citizen (No Data) (No Data) (No Data) 0
10395616 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 14695 XXXXXX 8.163 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395690 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395753 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
10395756 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395827 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) (No Data) (No Data) (No Data) 0
10395709 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) (No Data) (No Data) (No Data) 0
10395667 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10395760 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395721 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10395802 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10395653 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 45337.5 XXXXXX 6.6815 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395712 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395613 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7875 XXXXXX 6.8297 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10395759 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395731 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10395746 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395863 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395790 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395621 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 14105 XXXXXX 7.0355 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395663 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395658 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395774 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) Non-Resident Alien (No Data) (No Data) 0
10395654 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 29545 XXXXXX 6.7158 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395674 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395814 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10395820 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10395807 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10395629 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 16559.66 XXXXXX 7.1425 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395671 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10395608 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10395633 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10055.37 XXXXXX 7.0372 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395657 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 24003 XXXXXX 7.474 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10395606 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 13015 XXXXXX 6.9842 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien (No Data) No 0
10395639 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7095 XXXXXX 7.0759 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395597 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 8604 XXXXXX 8.6676 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395594 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 29252.2 XXXXXX 7.0211 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10395614 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 48682.99 XXXXXX 7.741 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10329027 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.325 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329004 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.782 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329005 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.782 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329006 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8388 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329015 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.058 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329020 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.8 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329007 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7001 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10328999 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.2 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10329008 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9272 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329001 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9028 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10329002 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.642 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10329010 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8558 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329011 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.225 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329029 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.65 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329030 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329014 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9637 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10329018 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.775 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
9362352 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101265 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101352 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101006 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5483.5 XXXXXX 7.8537 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10101441 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101386 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.999 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101016 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 18098.7 XXXXXX 8.4082 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10101181 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101026 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 24665.4 XXXXXX 7.7533 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0
10101250 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101413 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101163 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101446 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101256 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101371 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5001 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101356 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101193 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.999 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101442 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101349 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101488 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101374 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101285 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101141 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101172 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.6251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101410 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101094 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
10395779 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7871 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
10395877 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10395743 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10395816 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed U.S. Citizen (No Data) (No Data) (No Data) 0
10395880 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10333098 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10298558 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5844.2 XXXXXX 7.2894 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10313465 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10313480 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10313481 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 9545 XXXXXX 7.2072 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 20178.52
10313488 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10313491 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10318864 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10327148 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 22673.13 XXXXXX 7.2263 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10327154 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10345416 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10354173 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
10362188 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10374415 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0

 

  ©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.