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.5 Schedule 12

 

S&P QM-ATR
Run Date - 9/16/2022
Marketing ID Recovco Loan ID Loan #1 Loan #2 Loan #3 Pool Borrower Last Name Borrower First Name Coborrower Last Name Coborrower First Name Property Address Property City State Zip Code TILA Status QM Status Application Date GSE Eligible Points and Fees (Reg Z) Rate Lock Date APR Employment Indicator (Borrower) Employment Indicator (Coborrower) Citizenship Status (Borrower) Citizenship Status (Coborrower) Residual Income
900001006 XX XX July - DSCR Loans Q3 2022 XX XX Oklahoma XX Not Covered/Exempt Not Covered/Exempt XX
900001004 XX XX Non-QM Smart Loans Q3 2022 XX XX XX XX XX XX Michigan XX Non-QM/Compliant Non-QM/Compliant XX No $5,419.00 06/08/2022 8.432% Employed Unemployed US Citizen US Citizen $11,918.22
900001023 XX XX Non-QM Smart Loans Q3 2022 XX XX XX XX Michigan XX Non-QM/Compliant Non-QM/Compliant XX No $5,075.00 06/10/2022 8.027% Employed US Citizen $13,392.87
900001019 XX XX Non-QM Smart Loans Q3 2022 XX XX XX XX Florida XX Non-QM/Compliant Non-QM/Compliant XX No $11,929.69 06/14/2022 8.002% Employed US Citizen $47,955.38
900001003 XX XX Non-QM Smart Loans Q3 2022 XX XX XX XX New Jersey XX QM/APOR HPML QM/APOR HPML XX Yes $5,415.00 06/02/2022 8.823% Employed US Citizen $5,753.95
900000986 XX XX July - DSCR Loans Q3 2022 XX XX XX XX California XX Not Covered/Exempt Not Covered/Exempt XX US Citizen
900001008 XX XX Non-QM Smart Loans Q3 2022 XX XX XX XX XX XX Texas XX Not Covered/Exempt Not Covered/Exempt XX Yes 06/13/2022 Employed Employed US Citizen US Citizen $7,539.09
900000989 XX XX Non-QM Smart Loans Q3 2022 XX XX XX XX Florida XX Non-QM/Compliant Non-QM/Compliant XX No $40,700.00 04/21/2022 5.376% Employed US Citizen $11,782.97
900001007 XX XX July - DSCR Loans Q3 2022 XX XX XX XX California XX Not Covered/Exempt Not Covered/Exempt XX US Citizen
900001013 XX XX June - DSCR Loans Q2 2022 XX XX XX XX Florida XX Not Covered/Exempt Not Covered/Exempt XX US Citizen
900001012 XX XX June - DSCR Loans Q2 2022 XX XX XX XX Florida XX Not Covered/Exempt Not Covered/Exempt XX US Citizen
900000991 XX XX June - Non-QM Smart Loans Q2 2022 XX XX XX XX XX XX California XX Non-QM/Compliant Non-QM/Compliant XX No $11,825.00 05/05/2022 5.119% Employed Retired US Citizen US Citizen $7,614.17
900001015 XX XX June - DSCR Loans Q2 2022 XX XX Michigan XX Not Covered/Exempt Not Covered/Exempt XX
900001014 XX XX June - DSCR Loans Q2 2022 XX XX XX XX XX XX Michigan XX Not Covered/Exempt Not Covered/Exempt XX US Citizen US Citizen
900001018 XX XX June - DSCR Loans Q2 2022 XX XX XX XX South Carolina XX Not Covered/Exempt Not Covered/Exempt XX US Citizen
900000988 XX XX June - Non-QM Smart Loans Q2 2022 XX XX XX XX North Carolina XX QM/APOR SH QM/APOR SH XX Yes $11,208.59 11/03/2021 3.697% Employed US Citizen $2,163.12
900000987 XX XX June - Non-QM Smart Loans Q2 2022 XX XX XX XX Florida XX Non-QM/Compliant Non-QM/Compliant XX No $8,805.90 03/04/2022 4.720% Employed US Citizen $18,132.44
900000985 XX XX June - Non-QM Smart Loans Q2 2022 XX XX XX XX Florida XX Non-QM/Compliant Non-QM/Compliant XX No $8,980.63 05/11/2022 6.006% Retired US Citizen -$10,598.42
900001025 XX XX June - Non-QM Smart Loans Q2 2022 XX XX XX XX Tennessee XX Non-QM/Compliant Non-QM/Compliant XX No $14,851.00 05/06/2022 7.395% Employed US Citizen $12,260.14
900001024 XX XX June - Non-QM Smart Loans Q2 2022 XX XX XX XX Georgia XX Non-QM/Compliant Non-QM/Compliant XX No $12,901.80 05/26/2022 6.928% Employed US Citizen $73,036.15
900000994 XX XX June - DSCR Loans Q2 2022 XX XX California XX Not Covered/Exempt Not Covered/Exempt XX
900000997 XX XX June - Non-QM Smart Loans Q2 2022 XX XX XX XX Ohio XX Not Covered/Exempt Not Covered/Exempt XX No 03/31/2022 Employed Non-Resident Alien $16,529.00
900001011 XX XX June - DSCR Loans Q2 2022 XX XX XX XX Florida XX Not Covered/Exempt Not Covered/Exempt XX US Citizen
900001030 XX XX NRMLT 2022-NQM5 XX XX XX XX Ohio XX Not Covered/Exempt Not Covered/Exempt XX No 03/31/2022 Employed US Citizen $15,716.25
900001029 XX XX NRMLT 2022-NQM5 XX XX XX XX Ohio XX Not Covered/Exempt Not Covered/Exempt XX No 03/31/2022 Employed US Citizen $15,716.49
900001010 XX XX NRMLT 2022-NQM5 XX XX Michigan XX Not Covered/Exempt Not Covered/Exempt XX
900000984 XX XX NRMLT 2022-NQM5 XX XX XX XX California XX Non-QM/Compliant Non-QM/Compliant XX No $21,768.25 03/01/2022 4.373% Employed US Citizen $35,395.14
900000992 XX XX NRMLT 2022-NQM5 XX XX XX XX Ohio XX QM/APOR SH QM/APOR SH XX Yes $5,905.00 04/26/2022 6.756% Employed US Citizen $1,410.63
900000990 XX XX NRMLT 2022-NQM5 XX XX New Jersey XX Not Covered/Exempt Not Covered/Exempt XX
900000999 XX XX NRMLT 2022-NQM5 XX XX XX XX Hawaii XX Non-QM/Compliant Non-QM/Compliant XX No $5,037.72 04/05/2022 6.859% Employed US Citizen $23,011.46
900000996 XX XX NRMLT 2022-NQM5 XX XX XX XX Ohio XX Not Covered/Exempt Not Covered/Exempt XX No 03/31/2022 Employed Non-Resident Alien $15,072.74
900000998 XX XX NRMLT 2022-NQM5 XX XX XX XX Ohio XX Not Covered/Exempt Not Covered/Exempt XX No 03/31/2022 Employed Non-Resident Alien $15,406.01
900000993 XX XX NRMLT 2022-NQM5 XX XX XX XX Washington XX Non-QM/Compliant Non-QM/Compliant XX No $5,590.00 05/04/2022 6.811% Employed US Citizen $7,300.09