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   4000102624 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 6.891 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 47392.29 N/A Employed   No   No  
XXXX   4000113352 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 15390 6.316 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 249204.49 N/A Employed   No   No  
XXXX   4000115676 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 7.181 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 52241.53 N/A Employed Employed No No No  
XXXX   4000119384 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 12335 7.811 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 18100.27 N/A Employed   No   No  
XXXX   4000117599 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 22107.5 7.119 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16718.12 N/A Employed   No   No  
XXXX   4000118043 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 11495 6.26 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 50103.36 N/A Employed   No   No  
XXXX   4000122002 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 4363.07 N/A Employed   No   Yes Present
XXXX   4000118605 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 6.59 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 53404.02 N/A Employed   No   No  
XXXX   4000118984 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 6550 7.34 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 7897.65 N/A Employed   No   No  
XXXX   4000123071 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 7795 7.018 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 4840.26 Yes Employed   No   No  
XXXX   4000123078 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 5390 7.578 N/A Yes N/A Yes Yes Yes N/A Yes Yes Yes 12468.84 N/A Employed   No   No  
XXXX   4000123414 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   4000123309 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   4000121087 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 8525.8 6.866 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3870.17 N/A Employed   No   No  
XXXX   4000121069 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 2240 6.681 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 89038.52 Yes Employed   No   No  
XXXX   4000121070 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 4428.65 7.186 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 3611.34 N/A Employed   No   No  
XXXX   4000121443 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   4000121083 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 9090 7.352 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7736.66 Yes Employed   No   No  
XXXX   4000121440 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 7690 6.959 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5226.26 N/A Employed   No   No  
XXXX   4000121430 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 10077.92 7.59 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5874.04 Yes Employed   No   No  
XXXX   4000123095 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 6.968 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 72275.13 N/A Employed   No   No  
XXXX   4000121729 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   4000122301 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 15226.25 6.779 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 10425.13 Yes Employed   No   No  
XXXX   4000122715 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 6690 8.324 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26901.8 N/A Employed   No   No  
XXXX   4000122712 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   4000122719 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   4000124844 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 6662 7.361 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 3710.87 N/A Employed   No   No  
XXXX   4000123419 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 15670 6.948 Yes Yes N/A Yes Yes Yes Yes Yes Yes N/A 23403.26 Yes Employed Not Employed No No No  
XXXX   4000124826 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 15835 7.111 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 19681.85 Yes Employed   No   No  
XXXX   4000125712 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 48245 7.184 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 41010.91 Yes Employed   No   No  
XXXX   4000124827 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   4000125166 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   4000127433 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 2415 7.496 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 5571.01 Yes Employed   No   No  
XXXX   4000124447 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 14105 7.212 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5056.33 Yes Employed   No   No  
XXXX   4000122460 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 10157.5 7.2 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7272.05 Yes Employed   No   No  
XXXX   4000123090 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 16190 7.37 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 22403.37 Yes Employed   No   No  
XXXX   4000123507 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 23286.02 N/A Employed   No   Yes Present
XXXX   4000125713 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 7.5 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 8091.65 Yes Employed   No   No  
XXXX   4000123303 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 10495 7.159 Yes Yes N/A Yes Yes Yes N/A Yes N/A N/A 30588.37 N/A Employed   No   No  
XXXX   4000123088 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 23195.95 N/A Employed   No   Yes Present
XXXX   4000125158 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 8775.81 7.082 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 32318.71 N/A Employed   No   No  
XXXX   4000125883 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 8995 6.783 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 22758.32 N/A Employed   No   No  
XXXX   4000125876 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 5388.75 7.272 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 5521.26 Yes Employed   No   No  
XXXX   4000130242 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   4000125184 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A Yes N/A Yes N/A N/A N/A Yes 64114.8 Yes Employed   No   Yes Present