Exhibit 99.04 Schedule 7
| Loan ID | Seller Loan ID | Redaction 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 | XXXX | 4000069914 | 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 | XXXX | 4000073326 | 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 | Yes | N/A | N/A | No | No | Yes | Present | ||||||||||
| XXXX | XXXX | 4000075334 | 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 | 9190 | 6.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36334.25 | N/A | Employed | No | No | ||||
| XXXX | 4000092297 | 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 | 9079.93 | 7.004 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9970.24 | N/A | Employed | No | No | ||||
| XXXX | 4000092669 | 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 | 1495 | 7.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4895.23 | N/A | Employed | No | No | |||||
| XXXX | 4000095441 | XXXX | 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 | 25810.01 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000097281 | 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 | 15070 | 7.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13470.92 | N/A | Employed | Employed | No | No | No | |||
| XXXX | 4000097464 | 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 | 7350 | 6.93 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8694.81 | N/A | Employed | No | No | |||||
| XXXX | 4000097460 | 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 | 2490 | 6.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 50437.21 | N/A | Employed | No | No | |||||
| XXXX | 4000097890 | 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 | 10675 | 6.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15407.27 | N/A | Employed | No | No | |||||
| XXXX | 4000097892 | 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 | 4000098107 | 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 | 4000093699 | 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 | No | Yes | Present | |||||||||||
| XXXX | 4000093702 | 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 | No | Yes | Present | |||||||||||
| XXXX | 4000100186 | 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 | 7039 | 6.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6891.19 | N/A | Employed | Employed | No | No | No | |||
| XXXX | 4000100187 | 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 | 6395 | 7.377 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5486.33 | N/A | Employed | No | No | |||||
| XXXX | 4000101891 | 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 | 6490 | 6.719 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5124.46 | N/A | Employed | No | No | |||||
| XXXX | 4000102604 | 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 | 5695 | 6.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4311.12 | Yes | Employed | No | No | |||||
| XXXX | 4000103002 | 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 | 4000102622 | 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 | 2890 | 6.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15128.99 | N/A | Employed | No | No | |||||
| XXXX | 4000103003 | 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 | 18085 | 7.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22302.85 | N/A | Employed | No | No | |||||
| XXXX | 4000103634 | 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 | 16815 | 6.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17361.92 | N/A | Employed | No | No | |||||
| XXXX | 4000103761 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 13842.13 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000103760 | XXXX | 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 | 16141.16 | N/A | Employed | Not Employed | No | No | Yes | Present | |||||||
| XXXX | 4000103631 | 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 | 3085 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7823.41 | N/A | Employed | No | No | |||||
| XXXX | 4000104458 | 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 | 4000103642 | 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 | 7490 | 6.819 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14541.29 | N/A | Employed | No | No | |||||
| XXXX | 4000103632 | 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 | 6717.5 | 6.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8877.4 | N/A | Employed | No | No | |||||
| XXXX | 4000104451 | 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 | 10165 | 6.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6398.5 | N/A | Employed | No | No | |||||
| XXXX | 4000105385 | 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 | 1495 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 10486.82 | N/A | Employed | No | No | |||||
| XXXX | 4000104463 | 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 | 12748 | 6.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9972.02 | N/A | Employed | No | No | |||||
| XXXX | 4000105061 | 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 | 9865 | 6.362 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11234.99 | N/A | Employed | No | No | |||||
| XXXX | 4000104481 | 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 | Yes | N/A | N/A | Yes | N/A | 11602.78 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000104448 | 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 | 1495 | 6.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25304.11 | N/A | Employed | No | No | |||||
| XXXX | 4000105388 | 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 | 11295 | 6.502 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8392.75 | N/A | Employed | No | No | |||||
| XXXX | 4000104464 | 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 | 9427.5 | 6.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9571.77 | N/A | Employed | No | No | |||||
| XXXX | 4000104447 | 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 | 8495 | 7.117 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8131.23 | Yes | Employed | No | No | |||||
| XXXX | 4000105386 | 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 | 3495 | 6.801 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17260.75 | N/A | Employed | No | No | |||||
| XXXX | 4000104480 | 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 | 7265 | 6.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4970.53 | N/A | Employed | No | No | |||||
| XXXX | 4000104445 | 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 | 14730 | 7.777 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9046.02 | N/A | Employed | No | No | |||||
| XXXX | 4000105084 | 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 | 11595 | 6.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6418.28 | N/A | Employed | No | No | |||||
| XXXX | 4000105064 | 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 | 18115 | 7.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27432.13 | N/A | Employed | No | No | |||||
| XXXX | 4000105065 | 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 | 4000105404 | 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 | 41562.89 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000105389 | 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 | 4000105402 | 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 | 4000111487 | 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 | 2590 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11866.53 | N/A | Employed | No | No | |||||
| XXXX | 4000105684 | 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 | 12000 | 6.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7232.46 | N/A | Employed | No | No | |||||
| XXXX | 4000105694 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2490 | 8.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11859.52 | N/A | Employed | No | No | ||||
| XXXX | 4000106041 | 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 | 29565.56 | Yes | Employed | Employed | No | No | Yes | Present | |||||||
| XXXX | 4000106443 | 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 | 4194 | 7.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8757.51 | N/A | Employed | No | No | |||||
| XXXX | 4000106452 | 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 | 2490 | 6.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20386.4 | N/A | Employed | No | No | |||||
| XXXX | 4000106051 | 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 | 10725 | 6.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19673.26 | N/A | Employed | No | No | |||||
| XXXX | 4000106047 | 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 | 10050 | 7.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6305.87 | N/A | Employed | No | No | |||||
| XXXX | 4000106446 | 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 | 9099.95 | 6.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6993.65 | N/A | Employed | No | No | |||||
| XXXX | 4000111117 | 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 | 6445 | 7.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3944.5 | N/A | Employed | No | No | |||||
| XXXX | 4000111489 | 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 | 2590 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11647.79 | N/A | Employed | No | No | |||||
| XXXX | 4000110481 | 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 | 2690 | 6.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 78105.15 | N/A | Employed | No | No | |||||
| XXXX | 4000110495 | 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 | 11295 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12775.84 | N/A | Employed | No | No | |||||
| XXXX | 4000110260 | 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 | 21877.25 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000110262 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 19677.26 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000111490 | 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 | 5965 | 6.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9736.98 | Yes | Employed | Employed | No | No | No | |||
| XXXX | 4000112793 | 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 | 6425 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15986.28 | N/A | Employed | No | No | |||||
| XXXX | 4000111113 | 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 | 16851.25 | 6.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12026.23 | N/A | Employed | No | No | |||||
| XXXX | 4000110477 | 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 | 12640 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12933.11 | N/A | Employed | No | No | |||||
| XXXX | 4000112772 | 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 | Yes | N/A | N/A | N/A | N/A | 59898.1 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000112792 | 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 | 8245 | 6.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12492.4 | N/A | Not Employed | Employed | No | No | No | |||
| XXXX | 4000111121 | 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 | 4000112774 | 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 | 5584 | 6.838 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6031.51 | N/A | Employed | No | No | |||||
| XXXX | 4000112798 | 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 | 16804 | 6.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7391.74 | N/A | Employed | No | No | |||||
| XXXX | 4000112781 | 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 | 17975 | 6.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12221.38 | N/A | Employed | No | No | |||||
| XXXX | 4000110466 | 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 | 2490 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10708.55 | N/A | Employed | No | No | |||||
| XXXX | 4000110480 | 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 | 2390 | 7.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7419.72 | Yes | Employed | No | No | |||||
| XXXX | 4000112799 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Yes | No | No | No | Yes | No | No | No | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8611.37 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000114982 | 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 | 8902.5 | 7.344 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16489.18 | N/A | Employed | No | No | |||||
| XXXX | 4000110492 | 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 | 2490 | 6.665 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20306.73 | N/A | Employed | No | No | |||||
| XXXX | 4000110474 | 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 | 15219 | 7.713 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11664.11 | N/A | Employed | No | No | |||||
| XXXX | 4000111492 | 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 | 6120 | 6.865 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8510.2 | N/A | Employed | No | No | |||||
| XXXX | 4000112796 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46736.34 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000113160 | 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 | 21913 | 7.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11142.73 | N/A | Employed | No | No | |||||
| XXXX | 4000112803 | 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 | 12695 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 64962.11 | N/A | Employed | Not Employed | No | No | No | |||
| XXXX | 4000113167 | 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 | 2490 | 6.678 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16075.98 | N/A | Employed | No | No | |||||
| XXXX | 4000116504 | 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 | 3694 | 6.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7970.01 | N/A | Employed | No | No | |||||
| XXXX | 4000111899 | 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 | 8955 | 6.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5780.14 | N/A | Employed | No | No | |||||
| XXXX | 4000111498 | 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 | 18165 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20701.3 | N/A | Employed | No | No | |||||
| XXXX | 4000111892 | 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 | 10495 | 6.687 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5160.13 | Yes | Employed | No | No | |||||
| XXXX | 4000111556 | 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 | 28957.5 | 7.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23343.76 | Yes | Employed | No | No | |||||
| XXXX | 4000113785 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 18786.76 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000113774 | 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 | 6756 | 7.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8585.21 | Yes | Employed | No | No | |||||
| XXXX | 4000113430 | 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 | 8440 | 6.455 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5399.42 | N/A | Employed | No | No | |||||
| XXXX | 4000114251 | 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 | 23456 | 6.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14156.62 | N/A | Employed | No | No | |||||
| XXXX | 4000114564 | 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 | 5054.94 | 6.895 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4378.83 | N/A | Employed | No | No | |||||
| XXXX | 4000114246 | 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 | 9800 | 7.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6885.59 | N/A | Employed | No | No | |||||
| XXXX | 4000114565 | 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 | 7744 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9326.65 | N/A | Employed | No | No | |||||
| XXXX | 4000114584 | 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 | 10052.5 | 6.607 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16285.59 | N/A | Employed | No | No | |||||
| XXXX | 4000115006 | 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 | 27622.35 | Yes | Employed | No | Yes | Present | |||||||||
| XXXX | 4000115306 | 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 | 4000117589 | 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 | 4095 | 6.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6656.61 | Yes | Employed | No | No | |||||
| XXXX | 4000115678 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | No | No | No | No | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 18930.52 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000115680 | 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 | 0 | 6.758 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18977.75 | N/A | Employed | No | No | |||||
| XXXX | 4000115243 | 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 | 27011.51 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000115683 | 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 | 21332.5 | 6.763 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19712.62 | N/A | Employed | Employed | No | No | No | |||
| XXXX | 4000117330 | 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 | 10290 | 6.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7212.18 | Yes | Employed | No | No | |||||
| XXXX | 4000117598 | 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 | 4400 | 6.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6281.08 | N/A | Employed | No | No | |||||
| XXXX | 4000122000 | 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 | 6594 | 6.548 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6467.46 | N/A | Employed | No | No | |||||
| XXXX | 4000119368 | 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 | 7495 | 7.113 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3847.05 | N/A | Employed | No | No | |||||
| XXXX | 4000118396 | 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 | 12192.42 | 6.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9831.69 | Yes | Employed | No | No | |||||
| XXXX | 4000118399 | 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 | 11791.88 | 6.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20088.05 | N/A | Employed | No | No | |||||
| XXXX | 4000118392 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 2490 | 7.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23711.75 | N/A | Employed | No | No | ||||
| XXXX | 4000118395 | 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 | 4000118593 | 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 | 6795 | 6.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5783.94 | N/A | Employed | No | No | |||||
| XXXX | 4000118993 | 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 | 8283.75 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5600.23 | N/A | Not Employed | Employed | No | No | No | |||
| XXXX | 4000118600 | 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 | 13213.75 | 6.742 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17023.39 | N/A | Employed | No | No | |||||
| XXXX | 4000118595 | 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 | 6082.5 | 6.353 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 11903.24 | Yes | Not Employed | Employed | No | No | No | |||
| XXXX | 4000118991 | 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 | 2490 | 6.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9404.57 | Yes | Employed | No | No | |||||
| XXXX | 4000119393 | 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 | 2490 | 7.855 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11676.79 | N/A | Employed | No | No | ||||
| XXXX | 4000119396 | 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 | 19995 | 6.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29728.57 | N/A | Employed | No | No | |||||
| XXXX | 4000119904 | 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 | 8740 | 6.522 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 8411.67 | N/A | Employed | No | No | |||||
| XXXX | 4000120765 | 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 | 2790 | 6.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38372.17 | N/A | Employed | No | No | |||||
| XXXX | 4000119400 | 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 | 16645 | 6.558 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7926.06 | N/A | Employed | No | No | |||||
| XXXX | 4000118942 | 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 | 7642 | 6.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20849.71 | Yes | Employed | No | No | |||||
| XXXX | 4000121063 | 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 | 3540 | 6.474 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7077.77 | N/A | Employed | No | No | |||||
| XXXX | 4000121065 | 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 | 2490 | 6.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31130.68 | N/A | Employed | No | No | |||||
| XXXX | 4000122729 | 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 | 6040 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6619.51 | Yes | Employed | No | No | |||||
| XXXX | 4000121671 | 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 | 3027.5 | 6.474 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 3758.01 | Yes | Employed | No | No | |||||
| XXXX | 4000121672 | 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 | 3000 | 6.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4415.36 | N/A | Employed | No | No | |||||
| XXXX | 4000121689 | 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 | 5590 | 6.479 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4040.78 | Yes | Employed | No | No | |||||
| XXXX | 4000121693 | 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 | 13215 | 6.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5451.99 | N/A | Employed | No | No | |||||
| XXXX | 4000121675 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | No | No | No | No | Yes | No | No | No | N/A | Yes | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | 95171.75 | N/A | Employed | No | Yes | Present | |||||||||
| XXXX | 4000123086 | 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 | 5983.13 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4134.13 | Yes | Employed | No | No |