EX-99.13 14 tm2513357d1_ex99-13.htm CANOPY ATR QM REPORT

 

EXHIBIT 99.13

 

CANOPY ATR QM report

 

 

 

 

Loan ID Investor 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 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?
823827   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No Yes No No No No No No No Yes 12824.01 9.327 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8254.89 N/A Employed   No   No  
826521   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   No No No No No No No No No No Not Tested 3364.74 8.479 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   No  
826930   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 2590 9.457 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 12443.7 N/A Employed Employed No No No  
827380   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   Yes Yes Yes No No No No No No No Yes 4332.34 11.14 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   No  
827556   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 23629.25 9.333 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 14987.22 Yes Employed   No   No  
827622   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
828772   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
828775   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
828852   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829241   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829250   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 10775.8 7.831 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3796.04 N/A Employed Unknown No No No  
829403   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829491   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829493   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No No Yes Present
829499   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829567   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes Yes Yes Present
829601   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829638   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No No 5236.8 8.494 Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A 7292.02 N/A Employed   No   No  
829645   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829783   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829791   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
829831   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   Yes No No No No No No No No No Yes 23334 9.844 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
829925   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830003   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes No No No No No No No No Not Tested 3615 8.36 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4299.68 N/A Employed   No   No  
830005   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830019   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830057   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes Yes Yes No No No No No No No Not Tested   10.442 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 6264.88 N/A Employed   No   No  
830074   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830080   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830118   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 10096.42 N/A Employed   No   Yes Present
830141   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830210   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830224   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   Yes No Yes No No No No No No No No 3907.98 10.936 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   No  
830228   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   No Yes No No No No No No No No No 2148.25 9.062 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed Employed No No No  
830294   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes   Yes Present
830336   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830337   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830415   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   No No No No No No No No No No No 2827.25 9.447 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   No  
830524   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830575   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830655   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   No Yes No No No No No No No No No 2503.36 9.128 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   No  
830672   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   Yes No Yes No No No No No No No Yes 4920 12.045 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   No  
830756   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes   Yes Present
830804   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No Yes 6220 8.974 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6034.56 N/A Employed   No   No  
830845   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830874   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   Yes No Yes No No No No No No No Yes 6754.29 11.314 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed   No   No  
830900   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
830912   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   No Yes No No No No No No No No Yes 5604 9.724 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed Retired No No No  
830916   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No Yes 12915 8.289 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8192.88 Yes Employed   No   No  
830953   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       Yes Yes Yes Present
831033   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
831142   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 25023.18 N/A Employed   No   Yes Present
831270   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No   No No No No No No No No No No Yes 8032.5 8.471 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0       No   Yes Present
831274   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
831356   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2494.19 8.015 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 6574.02 N/A Employed   No   No  
831387   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No No 8879 8.447 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 80397.69 N/A Employed Not Employed No No No  
831439   xxxxxx xxxxxx ATR/QM: Exempt ATR/QM: Exempt No   No No No No No No No No No No No 796 9.053 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A   N/A Employed Employed No No No  
831475   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
831547   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2580 7.142 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 127868.82 N/A Retired Unknown No No No  
831629   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
831961   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No Yes No No No No No No No No 3395 8.638 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 23221.96 Yes Employed   No   No  
832150   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 85688.75 N/A Employed   No   Yes Present
832289   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 481202.24 N/A Employed   No   Yes Present
832348   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 2290 7.31 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11443.72 N/A Employed   No   No  
832486   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No Yes Yes No No No No No No No No 22927.5 9.12 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 15124.35 Yes Employed   No   No  
832489   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
832492   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 522593.3 N/A Employed   No   Yes Present
832498   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No No No Yes No No No       Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0       No   Yes Present
832501   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No No No Yes No No No       Yes Yes N/A Yes N/A Yes N/A Yes Yes N/A 0       No   Yes Present
832502   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
832503   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable No Appendix Q Documentation   No   No No Yes Yes No No No       Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 0       No   Yes Present
832507   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
832510   xxxxxx xxxxxx ATR/QM: Not Applicable ATR/QM: Not Applicable 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 0       No   Yes Present
833087   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 13890 7.617 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30238.18 Yes Employed   No   No  
833121   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation Yes No No No No No No No No No No 3420.65 8.937 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21166.99 Yes Employed   No   No  
833835   xxxxxx xxxxxx Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Appendix Q Documentation No No No No No No No No No No No 34052.5 8.116 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 63344.88 Yes Employed   No   No