Under the ATR/QM rule, which factor is NOT one of the eight underwriting factors a lender must verify?

Correct answer: Borrower's marital status

The 8 ATR factors are: income/assets, employment, monthly mortgage payment, other loan payments on the property, other monthly obligations, DTI or residual income, credit history, and current debt obligations. Marital status is not an ATR factor and cannot be used for lending decisions under ECOA.