Exhibit 99.3 Schedule 1

 

Loan ID Redaction ID Investor 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 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?
XXXX 594303 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 623968 XXXX 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 21721.4 7.715 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 21770.33 Yes Employed   No   No  
XXXX 628075 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 20310.78 Yes Employed Not Employed No No Yes Present
XXXX 628549 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes Yes Yes Present
XXXX 632204 XXXX 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 9805 7.132 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4574.26 N/A Employed   No   No  
XXXX 633517 XXXX 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 31065 7.578 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19161.46 Yes Employed   No   No  
XXXX 634055 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 6466.33 9.086 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2255.95 Yes Employed   No   No  
XXXX 637207 XXXX 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 15065 8.298 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 9401.72 Yes Employed   No   No  
XXXX 662886 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 662965 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 685335 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 17012.5 7.46 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11375.32 Yes Employed   No   No  
XXXX 685357 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes Yes Yes Yes Yes N/A Yes Yes N/A 36142.25 Yes Not Employed Employed No No Yes Present
XXXX 686539 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 692346 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 8939.37 Yes Employed   No   Yes Present
XXXX 692352 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 17153.25 9.522 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 21593.66 Yes Employed   No   No  
XXXX 692353 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 692356 XXXX 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 22275 7.911 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13720.41 Yes Employed   No   No  
XXXX 693376 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 693601 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 7716.94 Yes Employed   No   Yes Present
XXXX 693733 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 21564.16 N/A Employed   No   Yes Present
XXXX 693935 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No No Yes No No No No No No No No 11037.5 8.699 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8020.9 Yes Employed   No   No  
XXXX 693961 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 10287.5 8.776 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19766.5 Yes Employed Not Employed No No No  
XXXX 693992 XXXX XXXX QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) No   No Yes Yes No No No No No No No No 5495 8.457 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5480.68 Yes Employed   No   No  
XXXX 694319 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 31257.8 9.796 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 40035.17 Yes Employed   No   No  
XXXX 695249 XXXX 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 5760 7.182 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 2917.3 Yes Employed Not Employed No No No  
XXXX 696486 XXXX 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 17672.56 7.582 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 29295.69 Yes Employed   No   No  
XXXX 697351 XXXX 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 20408.6 7.271 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 92801.06 Yes Employed   No   No  
XXXX 697671 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         Yes   Yes Present
XXXX 697723 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX 697734 XXXX 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 23075 7.894 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 47050.18 Yes Employed   No   No  
XXXX 697807 XXXX 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 17850 7.625 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16875.03 Yes Employed   No   No  
XXXX 697818 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       Yes N/A N/A N/A N/A N/A N/A Yes N/A N/A 33531.8 Yes Employed   No   Yes Present
XXXX 697917 XXXX 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 21875 8.588 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 58032.05 Yes Employed   No   No  
XXXX 698073 XXXX 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 17070 7.693 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13046.1 Yes Employed   No   No  
XXXX 699020 XXXX 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 23859 8.619 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 20118.13 N/A Employed   No   No  
XXXX 699023 XXXX 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 14469.69 7.37 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10022.78 N/A Employed   No   No  
XXXX 699030 XXXX 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 13473 6.898 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13503.63 Yes Employed   No   No  
XXXX 699032 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 699035 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 699037 XXXX 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 25579 7.522 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19312.05 Yes Employed   No   No  
XXXX 699039 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 13562.5 7.26 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30215.48 N/A Employed   No   No  
XXXX 699042 XXXX 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 13275 7.352 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 51970.92 N/A Employed   No   No  
XXXX 699052 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No Yes 8825 9.666 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 39100.62 Yes Employed   No   No  
XXXX 699053 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 699055 XXXX 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 10400 8.212 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 17379.92 Yes Employed   No   No  
XXXX 699056 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX 699058 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 699074 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 699133 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 699135 XXXX 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 39075 7.167 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 44309.94 Yes Employed   No   No  
XXXX 699137 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 699139 XXXX 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 64147.5 8.951 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 50295.31 Yes Employed Not Employed No No No  
XXXX 699141 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 15075 7.274 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 28651.04 Yes Employed   No   No  
XXXX 700118 XXXX XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX 700299 XXXX 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 5832.5 6.992 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9894.94 Yes Employed   No   No  
XXXX 700300 XXXX 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 24275 7.523 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 19318.1 Yes Employed   No   No  
XXXX 700308 XXXX XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 18125 6.986 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 8008.92 Yes Employed Not Employed No No No  
XXXX 701327 XXXX 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 40405 7.136 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 59850.92 Yes Employed   No   No