Exhibit 99.04 Schedule 6

 

Loan ID Seller Loan 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?
6000104907     XXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested   No No No No No No No No Not Tested 3175 6.687 Yes Yes   Yes Yes Yes   Yes Yes       Retired   No   No  
6000104917     XXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No   No No No No No No No No Not Tested   6.792 Yes Yes   Yes Yes Yes   Yes Yes       Employed   No   No  
6000104920     XXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested   No No No No No No No No Not Tested   6.41 Yes Yes   Yes Yes Yes   Yes Yes       Employed Not Employed No No No  
6000104909     XXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested   No No No No No No No No Not Tested   6.529 Yes Yes   Yes Yes Yes   Yes Yes       Employed   No   No  
6000104922     XXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested   No No No No No No No No Not Tested 1995 6.64 Yes Yes   Yes Yes Yes   Yes Yes Yes     Employed   No   No  
6000104924     XXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested   No No No No No No No No Not Tested   6.771 Yes Yes   Yes Yes Yes   Yes Yes       Employed   No   No  
6000104938     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No No No No No                                   No   Yes Present
6000104936     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No No No No No                                   No   Yes Present
6000104926     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No Yes No No No                     Yes             No   Yes Present
6000104927     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No Yes No No No                     Yes             No   Yes Present
6000104939     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No No No No No             Yes Yes     Yes             No   Yes Present
6000104910     XXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   No   No No No No No No No No No 3229.38 7.662 Yes Yes       Yes   Yes Yes   0   Employed   No   No  
6000104940     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No No No No No                                   No   Yes Present
6000104941     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No Yes No No No                                   No   Yes Present
6000104937     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No No No No No             Yes Yes                   No   Yes Present
6000104931     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No No No No No                                   No   Yes  
6000104915     XXXXXXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested   No No No No No No No No Not Tested   7.649 Yes     Yes Yes Yes   Yes Yes Yes 7652.83 Yes Employed   No   No  
6000104933     XXXXXXXX ATR/QM: Not Applicable ATR/QM: Not Applicable No         No No No No No No No             Yes Yes                   No No Yes Present