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.4 Schedule 4

 

ASF Loan Number 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?
400081531 XXX XXX XXX 07-XX-2024 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 35433.29 Yes Employed   No   Yes Present
400083143 XXX XXX XXX 09-XX-2024 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11694 7.268 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 39682.38 Yes Employed   No   No  
400091350 XXX XXX XXX 12-XX-2024 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 8594.6 7.936 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 7923.48 N/A Employed   No   No  
400098163 XXX XXX XXX 02-XX-2025 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 12467 8.181 Yes Yes N/A Yes Yes N/A N/A Yes Yes Yes 12648.99 Yes Employed   No   No  
400097078 XXX XXX XXX 02-XX-2025 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
400098164 XXX XXX XXX 02-XX-2025 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 14654 8.258 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 11755.11 N/A Employed   No   No  
400098150 XXX XXX XXX 01-XX-2025 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20694 8.601 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 16453.93 N/A Employed   No   No  
400098177 XXX XXX XXX 11-XX-2024 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
400103289 XXX XXX XXX 02-XX-2025 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
2000051892 XXX   XXX 03-XX-2025 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 60372.63 Yes Employed Not Employed No No Yes Present
2000052487 XXX   XXX 04-XX-2025 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 26176.5 7.547 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26619.98 Yes Employed   No   No  
2000046806 XXX   XXX 04-XX-2025 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 77344 7.822 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 25307.16 Yes Employed   No   No  
2000052120 XXX   XXX 04-XX-2025 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 13504.25 7.385 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 5513.67 Yes Employed Not Employed No No No  
2000053916 XXX   XXX 04-XX-2025 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
2000054318 XXX   XXX 05-XX-2025 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
2000053792 XXX   XXX 04-XX-2025 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
2000054226 XXX   XXX 05-XX-2025 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
2000053419 XXX   XXX 04-XX-2025 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
2000053171 XXX   XXX 04-XX-2025 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 Yes N/A N/A         No   Yes Present
2000053332 XXX   XXX 04-XX-2025 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
2000053364 XXX   XXX 04-XX-2025 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
2000053743 XXX   XXX 04-XX-2025 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 11065.25 8.175 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 32758.68 N/A Employed   No   No  
2000053393 XXX   XXX 04-XX-2025 Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No Yes No No No No No No No Yes 5200.25 9.069 Yes No N/A Yes Yes Yes N/A Yes Yes Yes 6691.44 Yes Employed Employed No No No  
2000053728 XXX   XXX 04-XX-2025 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 Yes N/A 153684.14 Yes Employed   No   Yes Present
2000053730 XXX   XXX 04-XX-2025 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 Yes N/A N/A Yes N/A 153683.55 Yes Employed   No   Yes Present
2000053734 XXX   XXX 04-XX-2025 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 Yes N/A 163036.36 Yes Employed   No   Yes Present
2000053736 XXX   XXX 04-XX-2025 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 Yes N/A 153695.45 Yes Employed   No   Yes Present
2000054146 XXX   XXX 04-XX-2025 QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 20539 8.192 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 26069.24 Yes Employed   No   No  
2000054197 XXX   XXX 04-XX-2025 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
2000054262 XXX   XXX 05-XX-2025 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
2000054675 XXX   XXX 05-XX-2025 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 Yes N/A Yes Yes N/A 47026.12 Yes Employed   No   Yes Present
2000053574 XXX   XXX 04-XX-2025 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   Yes Present
2000054697 XXX   XXX 05-XX-2025 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 10294 9.751 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 18462.13 Yes Employed   No   No  
2000055164 XXX   XXX 05-XX-2025 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
2000050824 XXX   XXX 03-XX-2025 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
2000051910 XXX   XXX 03-XX-2025 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 N/A N/A N/A N/A N/A 29279.73 N/A Employed Employed No No Yes Present