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.5 Schedule 4

 

Rating Agency ATR QM Data Fields                                
                                     
Loans in Report:  32                                  
Marketing ID Loan Number NRZ ID 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 Borrower 1 Citizenship Borrower 2 Citizenship Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income Unique Id
64 XX XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 1695 8/14/2025 7.4536 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
70 XX XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 6.6954 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
73 XX XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 2888 8/20/2025 7.1861 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0 XX
81 XX XX QM: Safe Harbor (APOR) No XX XX No Yes 20235 8/21/2025 6.6939 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
90 XX XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 7.0364 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
95 XX XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 6.5177 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
110 XX XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 1695 9/4/2025 6.5399 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
113 XX XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 8.1009 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
115 XX XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 7.7691 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
123 XX XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.5004 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
137 XX XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.1349 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
139 XX XX ATR/QM: Exempt No XX XX Yes No 0 1/1/1900 6.7781 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
142 XX XX Non-QM: Lender documented all ATR UW factors No XX Not Applicable No No 4723.69 9/24/2025 9.3058 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
143 XX XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 6.6592 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
144 XX XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 5269.95 9/18/2025 6.5681 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
145 XX XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 5298.6 9/19/2025 7.7226 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
147 XX XX QM: Safe Harbor (APOR) No XX XX Yes Yes 1295 10/6/2025 6.6246 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
151 XX XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 8.1864 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
153 XX XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 6.432 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
154 XX XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.0083 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
155 XX XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 20534.95 9/22/2025 6.8713 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
161 XX XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 4980.8 9/26/2025 7.5285 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
163 XX XX QM: Safe Harbor (APOR) No XX XX Yes Yes 1295 10/7/2025 7.0701 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
164 XX XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 7.0214 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
166 XX XX QM: Safe Harbor (APOR) No XX XX No Yes 12995 9/26/2025 6.5008 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
167 XX XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 499.95 9/15/2025 6.1516 Retired Retired U.S. Citizen U.S. Citizen (No Data) Yes 4493 XX
168 XX XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 1695 9/29/2025 6.5764 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
170 XX XX QM: Safe Harbor (APOR) No XX XX No Yes 3395 10/3/2025 6.6045 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
171 XX XX Non-QM: Lender documented all ATR UW factors No XX Not Applicable No No 11069.63 10/7/2025 8.8556 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
172 XX XX QM: Safe Harbor (APOR) No XX XX No Yes 1295 10/3/2025 6.3414 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
174 XX XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 7.7257 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
176 XX XX QM: Safe Harbor (APOR) No XX XX Yes Yes 12876.25 10/9/2025 6.422 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0 XX
 


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