ALT 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 DTI/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?

241007017

XX/XX/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

4988.25

7.615

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

Not Employed

No

No

No

241007010

XX/XX/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

3072.98

6.479

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

Not Employed

No

No

No

241007021

XX/XX/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

10000.0

7.642

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Retired

Employed

No

No

No

241007014

XX/XX/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

6591.72

7.199

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

Employed

No

No

No

241007022

XX/XX/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

13045.95

7.582

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

No

No

241007000

XX/XX/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

4320.0

7.712

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

No

No

241007015

XX/XX/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

3943.21

5.249

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

No

No

241007004

XX/XX/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

1495.0

7.787

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Retired

Employed

No

No

No

241007012

XX/XX/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

7132.82

7.953

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

No

No

241007003

XX/XX/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

6829.67

8.001

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

Not Employed

No

No

No

241007008

XX/XX/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

8128.96

6.677

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

Employed

No

No

No

241007007

XX/XX/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

5940.0

7.189

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Retired

Retired

No

No

No

241007001

XX/XX/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

11734.8

7.666

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

Not Employed

No

No

No

241007019

XX/XX/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

3884.95

7.684

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

Employed

No

No

No

241007006

XX/XX/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

3665.54

7.116

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Retired

Retired

No

No

No

241007018

XX/XX/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

5762.76

7.041

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

No

No

241007011

XX/XX/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

4494.95

7.195

N/A

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

No

No

241007016

XX/XX/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

2052.0

7.462

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

Employed

No

No

No

241007013

XX/XX/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

1470.0

7.76

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

Employed

No

No

No

241007005

XX/XX/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

7202.02

6.813

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

Employed

No

No

No

241007020

XX/XX/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

1550.0

7.263

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

Yes

Employed

No

No

241007002

XX/XX/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

5400.0

7.541

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

$X,XXX.XX

N/A

Employed

No

No