Each HMDA loan record from 2018 through 2025 is evaluated against year-specific Ability-to-Repay and Qualified Mortgage standards from 12 CFR §1026.43. Classification is based on observable loan characteristics including pricing thresholds, product features, fee structures, and purchaser type. The full methodology is publicly documented: https://www.polygonresearch.com/whitepapers/unlocking-non-qm-market-intelligence