Client Name:
Client Project Name:	GSMBS 2026-PJ8
Start - End Dates:	3/26/2026 - 4/29/2026
Deal Loan Count:	19
Rating Agency ATR QM Data Fields
Loans in Report:	19

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

077A4C11-53E2-4E28-845A-5DB0A598DE4C

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

3295

XXXXXX

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

362BF8CB-E0CB-41BD-984C-8FB1D0563ACE

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

XXXXXX

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

(No Data)

No

0

4CE13026-9017-4C38-B4F9-C6C76DB80187

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

3549.49

XXXXXX

XXXXXX

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

CE07DCF2-5769-4253-AE54-32E4E6B0BE5D

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

6263.44

XXXXXX

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

118E4EBA-28B8-466A-AED8-C63739EBDA3D

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

1695

XXXXXX

XXXXXX

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

519A13D0-DFB9-49F1-ADEC-FF6F5BE59453

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

Yes

Yes

0

XXXXXX

XXXXXX

Retired

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

89E4754E-717B-4DF6-A96F-E0C6B92C8D3D

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

1695

XXXXXX

XXXXXX

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

AC909503-269B-4203-8468-1F59DEC8A5E9

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

1885

XXXXXX

XXXXXX

Retired

Retired

U.S. Citizen

U.S. Citizen

(No Data)

No

0

9411D9A0-E5C1-4992-9E31-49E87B760455

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

1790

XXXXXX

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

98683822-B364-4E89-91B5-7466B74B929B

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

8239B9F0-58EA-4B38-8B76-7BE43FF88E9F

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

Yes

Yes

0

XXXXXX

XXXXXX

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

D0CC10FD-8921-4759-BAF0-ACA48D376347

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

Yes

Yes

1590

XXXXXX

XXXXXX

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

(No Data)

No

0

18927356-15FA-43A3-87CF-B4DF192DEF0E

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

XXXXXX

Employed

Unemployed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

BCE782D7-FD51-41C5-8029-0258EAADE4D0

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

XXXXXX

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

F12BF04C-2E61-418B-9E2B-6E52F484CAC5

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

1650

XXXXXX

XXXXXX

Employed

Employed

U.S. Citizen

U.S. Citizen

(No Data)

No

0

2D88F44C-3CA5-4617-9B96-438A57E1FC57

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

Yes

Yes

1317.5

XXXXXX

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

27D6795B-32BA-4E83-A041-932D01856B1B

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

16059.5

XXXXXX

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

C9689293-617F-4ECC-B7BB-192A49B8BBA0

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

1590

XXXXXX

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

3DC78048-7275-4779-A737-672A2C11378F

QM: Safe Harbor (APOR)

No

XXXXXX

XXXXXX

No

Yes

2882

XXXXXX

XXXXXX

Employed

(No Data)

U.S. Citizen

(No Data)

(No Data)

No

0

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