EX-99.4 19 ex99-4s4.htm SCHEDULE 4 - RATING AGENCY ATR QM REPORT

 

MORGAN STANLEY CAPITAL I INC. ABS-15G

Exhibit 99.4 - Schedule 4

 

Client Name:  
Client Project Name: MSRM 2025-NQM2
Start - End Dates: 11/15/2023 - 12/27/2024
Deal Loan Count: 178
   
       
Rating Agency ATR QM Data Fields
       
Loans in Report:  178

 

Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 TRID Indicator 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
8102431 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8102404 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8102433 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215919 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8215923 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8189517 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8189485 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8215940 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8215943 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215858 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8215927 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215929 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215930 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215934 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
8215935 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215848 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed Non-Resident Alien Non-Resident Alien (No Data) (No Data) 0
8215863 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed U.S. Citizen Permanent Resident Alien (No Data) (No Data) 0
8215865 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215853 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215898 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215891 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
8215885 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8215840 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5001 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985852 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985844 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
9004032 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8989757 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985906 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985861 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8985851 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985857 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
8985743 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985734 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985862 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985841 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985789 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985797 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985698 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8989774 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.9947 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8985917 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985865 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985707 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.6251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985829 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
8985867 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985742 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
8985778 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985823 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985868 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985785 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) 0
8985893 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985744 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985843 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985805 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985729 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985746 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985762 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985948 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985791 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985773 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985697 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) 0
8985879 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985761 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
9004053 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.625 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8985871 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985727 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 18106.33 XXXXXX 9.9294 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 5721.52
8985821 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.125 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985806 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8989797 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985817 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8989812 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985846 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985902 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8985730 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8985954 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8985782 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8985889 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.8749 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8989815 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.9901 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985701 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.0001 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8985914 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8997605 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.3287 Unemployed Unemployed Permanent Resident Alien Non-Resident Alien (No Data) (No Data) 0
8985758 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.75 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
9004094 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8790 XXXXXX 9.4623 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8997568 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 19490.6 XXXXXX 7.3443 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8997604 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
8989835 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
6968160 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 9 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
6968237 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 10.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
6972245 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6494 XXXXXX 8.9078 Employed (No Data) U.S. Citizen (No Data) (No Data) No 3240.51
6986117 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.875 Unemployed Employed Permanent Resident Alien U.S. Citizen (No Data) (No Data) 0
7002873 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 9.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8087209 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11432.63 XXXXXX 9.4001 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 7590.56
7044016 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 3446.29 XXXXXX 8.6776 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
7044065 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.125 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
7044067 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8175692 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8175652 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8175596 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 20794 XXXXXX 7.7449 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8175687 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8175708 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8175715 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8175657 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
8442188 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 13115.38 XXXXXX 7.6674 Employed (No Data) Non-Resident Alien (No Data) (No Data) No 0
8442189 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 13844 XXXXXX 9.0689 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 7470.88
8442157 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14204 XXXXXX 8.6695 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 57338.11
8442364 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
8442231 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442159 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 18048.88 XXXXXX 6.8374 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442325 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442190 QM: Rebuttable Presumption (APOR) No Yes XXXXXX XXXXXX No Yes 8189 XXXXXX 7.8307 Employed (No Data) Non-Resident Alien (No Data) (No Data) No 0
8442241 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442270 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) 0
8442161 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 6474 XXXXXX 7.7446 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 11021.11
8442298 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442272 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442225 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442162 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11594 XXXXXX 7.6107 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 2416.22
8442163 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6534 XXXXXX 7.6591 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 4939.85
8442164 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 25694 XXXXXX 7.6032 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
8442165 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 27494 XXXXXX 8.7737 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 30210.55
8442194 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7459.63 XXXXXX 9.6592 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442195 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 15506.5 XXXXXX 7.6663 Employed (No Data) Permanent Resident Alien (No Data) (No Data) Yes 9893.12
8442226 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442227 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442289 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442198 QM: Rebuttable Presumption (APOR) No Yes XXXXXX XXXXXX No Yes 8149 XXXXXX 8.1193 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
8442243 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
8442338 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442167 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 25256.5 XXXXXX 7.1757 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442233 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442199 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 22089.31 XXXXXX 7.4637 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442296 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442168 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 13944 XXXXXX 6.742 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
8442305 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442201 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9510.45 XXXXXX 8.2822 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 14812.47
8442202 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14754 XXXXXX 7.4887 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
8442170 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 7094 XXXXXX 7.3471 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442171 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 16290.88 XXXXXX 7.131 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 11063.91
8442204 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 1694 XXXXXX 7.4091 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442378 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
8442339 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442206 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9948.84 XXXXXX 8.1981 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442235 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 9.375 Unemployed Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) 0
8442207 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11397.13 XXXXXX 9.888 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442173 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 20174 XXXXXX 7.546 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
8442237 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 9.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442379 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442210 QM: Rebuttable Presumption (APOR) No Yes XXXXXX XXXXXX No Yes 17374 XXXXXX 7.8171 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
8442174 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 6194 XXXXXX 7.165 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
8442247 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442211 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 16389 XXXXXX 7.2482 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 9259.06
8442236 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442213 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7469 XXXXXX 8.1457 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442361 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442238 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442371 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442214 QM: Rebuttable Presumption (APOR) No Yes XXXXXX XXXXXX No Yes 12534 XXXXXX 7.8787 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442177 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 17894 XXXXXX 7.168 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442260 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.8749 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442178 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8967.76 XXXXXX 8.8793 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442216 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 15939 XXXXXX 7.208 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442217 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7280 XXXXXX 8.6344 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 6011.24
8442180 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 11389 XXXXXX 7.139 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442229 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442380 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
8442182 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9444 XXXXXX 7.3253 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442381 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
8442234 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 9.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442183 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 10959.31 XXXXXX 7.572 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
8442219 QM: Rebuttable Presumption (APOR) No Yes XXXXXX XXXXXX No Yes 6094 XXXXXX 7.8541 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
8442220 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9409.13 XXXXXX 8.813 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 7685.85
8442268 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442184 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 10366.5 XXXXXX 6.8868 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442185 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9230.25 XXXXXX 7.0055 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8442382 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8442221 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 11262.13 XXXXXX 7.2166 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
8442222 QM: Rebuttable Presumption (APOR) No Yes XXXXXX XXXXXX No Yes 3349 XXXXXX 7.9385 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
8985853 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
8985820 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 0 XXXXXX 7.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0

 


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