Exhibit 99.7 Schedule 2

 

Marketing ID 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?
172 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No Yes 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 19618.66 Yes Employed No Yes Present
169 XX XX XX 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 No Yes Present
170 XX XX XX 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
167 XX XX XX 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 63385.08 Yes Employed No Yes Present
199 XX XX XX 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
173 XX XX XX 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 13475 8.917 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 23849.8 Yes Employed No No
174 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 25655 7.015 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 62700.19 Yes Employed No No
171 XX XX XX 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 35675 8.794 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 92822.92 Yes Employed Employed No No No
191 XX XX XX 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
180 XX XX XX 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 33208.73 Yes Employed No Yes Present
193 XX XX XX 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 8625 6.543 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 30853.35 Yes Not Employed Not Employed No No No
187 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 7995 7.219 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 44688.11 Yes Employed No No
178 XX XX XX 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
194 XX XX XX 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 Yes N/A N/A N/A N/A 20632.23 Yes Employed No Yes Present
192 XX XX XX 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 Yes Yes Yes 6844.92 Yes Employed No Yes Present
177 XX XX XX 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
198 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 23870 6.569 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 68692.44 Yes Employed No No
182 XX XX XX ATR/QM: Exempt ATR/QM: Exempt No Yes No No No No No No No N/A N/A N/A N/A N/A Yes N/A Yes N/A N/A 3257.83 Yes Employed No Yes Present
197 XX XX XX 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
183 XX XX XX 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 77615.93 Yes Employed No Yes Present
188 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 18725 6.808 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13898.96 Yes Employed Not Employed No No No
181 XX XX XX 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
184 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 15775 7.039 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 33620.77 Yes Not Employed Employed No No No
168 XX XX XX 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
189 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 13475 6.819 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22422.65 Yes Employed No No
179 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 1475 7.008 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 67404.48 Yes Employed Employed No No No
196 XX XX XX 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 18745 6.44 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 177853.53 Yes Employed No No
176 XX XX XX 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
190 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 29696 7.049 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 36668.69 Yes Employed No No
175 XX XX XX 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
185 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 12075 6.781 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 24819.04 Yes Employed No No
195 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No Yes No No No No No No No No No 13475 6.547 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8516.84 Yes Employed No No
186 XX XX XX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No No No No No No No No No No No No 1475 6.798 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16414.12 Yes Employed Not Employed No No No